23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on XX/XX/XXXX I entered into a mortgage forbearance plan as a result of being affected by Covid 19. The forbearance was effective from XX/XX/XXXX to XX/XX/XXXX and I was advised that during this period, I would not be penalized for late payments. On XX/XX/XXXX, PHH Mortgage flagged my account with the credit bureaus as being 30 days late. After corresponding with the company, they informed me that there would be no adverse credit reporting and everything is fine, but the account on my Credit report is currently flagged as 30 days delinquent and everything is not fine. the representative forwarded a request to look into it but no resolution was made.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally notify you that I am a victim of identity theft. My credit report currently contains several fraudulent accounts and inquiries that I did not authorize, and I am seeking your assistance to have these items removed from my credit report immediately. 

To support my claim, I have enclosed the following documentation : My Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my driver 's license and Proof of my current address for identity verification In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that the credit reporting agencies block and remove the following fraudulent accounts and inquiries. These items should be removed from my credit file within the required four-day period after receiving this complaint, as mandated under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), as well as XXXX  provisions protecting consumers from identity theft : XXXX XXXX XXXX Account XXXX : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Remove from my credit report XXXX XXXX XXXX  Account Number : XXXX-XXXX  XXXX XXXX : Remove from my credit report XXXX XXXX  XXXX ( Validate Account ) Account XXXX XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX XXXX XXXX XXXX Remove from my credit report XXXX  XXXX ( Validate Account ) Account Number : XXXX Action Requested XXXX Remove from my credit report XXXX  XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX I am invoking FCRA 611 ( a ) to request a full reinvestigation of these accounts. Any account or inquiry that can not be validated must be promptly deleted from my credit report. Furthermore, in compliance with XXXX, I expect the credit reporting agencies to take all necessary steps to ensure my credit file is updated and free of inaccurate or fraudulent information. 

Once these corrections have been made, I request an updated copy of my credit report be provided to me free of charge, as required under FCRA and XXXX. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of these actions and my updated credit report. 

Thank you for your assistance. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my car was broken into. I had a debit card stolen and a CitiBank Best Buy credit card stolen. My bank fixed the fraudulent charges on my debit card. However, the Best Buy CC was newly opened and I had never used it. yet, someone had made a {$1200.00} purchase on it. I reported the card stolen to Best Buy ( the number on the card ) immediately, I was told that they would sort it out and issue me a new card. They never did either. Now this debt is severely effecting my credit. The debt is not mine. This company allowed someone who was not me, make a purchase in their store, without even checking their identification.
Product: Checking or savings account

{$6000.00} was stolen from my checking account at Capital One by an unknown party. 
I wrote a check to XXXX XXXX XXXX XXXX on XX/XX/2022. I put it into the mail slot at my local Post Office. The check was cashed on XX/XX/2022. ( see copy of cashed check enclosed ) When I received the statement from XXXX XXXX XXXX XXXX, the amount was not reflected. I contacted the bank as well as the school. ( XX/XX/2022 ) The school confirmed that they did not cash the check nor did they receive the check. ( see copy of email correspondence enclosed ) I also reported the incident to The XXXX XXXX XXXX on XX/XX/2022. ( see enclosed email confirmation ) Since I notified Capital One of the incident, I have not received correspondence of any kind from the institution. Its as if nothing ever happened. There is no urgency. I know that if it were the credit card account, there would be a rapid response. Since it is my funds and not theirs, Capital One bank appears to be taking their time to act. 
Next, I requested reimbursement for my funds while the bank does their investigation. The representatives were not able to help, they only told me that there was no update and depending on the results of the investigation, I would receive my funds. 
This situation is causing harm to myself and my family. In order for my children to secure a place at their current school ( XXXX XXXX XXXX XXXX ), The payment needs to be made. Their spot may be given to a new family that applies for admission there for the upcoming school year. Ive explained the urgency to all the reps, they state they will enter it into the notes and I will be called if needed, still I have not received any correspondence, nor my funds. 
I called on XX/XX/XXXX and spoke to XXXX, she gave me the same answer all the previous reps gave me. I asked her to provide me with any regulatory agency over the bank so that I can make a complaint. She provided me with the Office of the President oXXXX Capital One and told me that I can write a letter and I will receive a response within 14 days.
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit.

Two requests at different times. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian Dispute Specialists have altered my disputes on several occasions to my disadvantage despite my written proof of the error provided by the account servicer. Their practices are illegal and violate my consumer rights. 
According to Experian : All documentation will be reviewed by an Experian Dispute Specialist. If the documentation can be validated as relevant to your dispute, we may use it to update your credit report or it may be shared with the data furnisher for the purpose of processing your dispute. Your original dispute may be modified and/or a new dispute may be opened in light of the information you provided. You will receive notifications if the original dispute is modified and/or a new one is opened. 
I have provided proof that my account was in deferment as it should have been according to the provisions of the guarantor. However, the information remains.
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under RMP SERV LLC and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Phone stolen and unauthorized transaction made for {$980.00} through XXXX was made by the thiefs. 

XX/XX/XXXX - XXXX  transaction posted to Chase for {$980.00}. 

XX/XX/XXXX - Claim filed on {$980.00}. 

XX/XX/XXXX - Claim reversed by Chase for {$980.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation.

This practice violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

On Saturday, XX/XX/XXXX, Mr. Cooper made an UNAUTHORIZED mortgage withdrawal from my XXXX checking account. I have automatic payments set up, for as long as I have had my mortgage the payments are fully funded. This is one ADDITIONAL mortgage payment, after my regular XXXX monthly payment was processed. 

I spent HOURS on the phone trying to get a hold of Mr. Cooper and XXXX, and finally ended up speaking to my local bank branch. I don't understand how a company can make an ADDITIONAL mortgage withdrawal which was NOT AUTHORIZED from my account. There was an automated email that went out from the company. I have tried to contact them via the email provided and I am getting XXXX delivery error messages that it can not be delivered.
Product: Debt collection

In accordance with the Fair Credit Reporting act has Receivable 's performance management LLC. 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.
Product: Credit card

XXXX XXXX American Express Card They advertise and keep track of spending to record rewards. 
Once you've earned {$10.00} they tell you you have 30 days to redeem them. 

But there is no way to redeem the rewards. 
Even their customer service can't help. 

Then the rewards expire and you are back to square one.
Product: Debt collection

This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}
Product: Debt collection

Debt collector called to collect {$540.00} from XX/XX/XXXX and said I was being sued for {$2800.00}. The problem is that Ive already paid this payday loan debt in XXXX ; paid in full.
Product: Debt collection

Hi, this complaint is in regards to MED-1 Solutions , LLC, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX XXXX phone number ( XXXX ) XXXX. 
I received a phone call on XX/XX/31 at XXXXXXXX XXXX about an alleged debt that was owed. I asked what the debt was for and they stated it was for a hospital visit. I stated I had not received any documentation about said visit and requested they send me documentation. They said they had already sent me documentation, which I again expressed I had not received. He then went on to say they would not send me any documentation about the charge and insisted I just had to pay without knowing what the payment was for. 

I hung up and called back in to speak to someone else and she let me know they can certainly send me information in regards to the debt. I do not appreciate being harassed by the male I spoke to, and being told I have to pay a debt without knowing the specifics behind what the debt pertains to. 

She noted that he certainly should have let me know there was an option to have that documentation sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again.XXXX  XXXX Balance : {$24000.00}, XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting or other personal consumer reports

These problems with the reporting accounts started back in XX/XX/year> where I disputed these accounts with all 3 credit bureaus. This led me to file a report regarding Identity Theft. In Light of the lawsuit against XXXX now that I know that they were not previously verified. I am asking XXXX to remove that information from my Credit report. 

In lieu of this I understand that with the 605 ( b ) FCRA the bureaus have only 4 days to correct these errors.
Product: Credit card

Dates : XX/XX/22 Amount : {$5000.00} Actions that were taken by you or the company : Sent me a letter stating they would open a claim but months later nothing has been accomplished.
Product: Mortgage

XXXX sold my mortgage loan to US Bank. During the second week of XX/XX/XXXX I called US Bank to inform them about a XXXX city tax bill. I was told the tax would be paid. Indeed on the US Bank website it indicated a tax disbursement paid for the amount due to the city on XX/XX/XXXX. I felt assured US Bank paid my tax. Today a third party agency for XXXX called to explain my tax was NOT paid. They informed me to go to the XXXX XXXX website to verify the tax was not paid. They explained that if the tax was not paid by XX/XX/XXXX, the house could be auctioned off. I called US Bank and spoke to a wonderful person named XXXX in the tax department. She explained, though the US Bank website showed my tax was paid, my tax was NOT paid. She assured me it may take 7 business days to pay the new amount including late fees. I asked her what happened to the money that was taken out of my escrow on XX/XX/XXXX. She could not answer that, instead saying they need to research it. I ask your agency to investigate the odd business practices of US Bank.
Product: Checking or savings account

I was told that my check was released and should have been available midnight Monday to pay my rent. The unsubstantiated 7 day hold with no money available was not released, my rent payment was returned. I was charged an OF fee by BOA of {$35.00} and a {$170.00} fee by my landlord. 

I continue to receive the answer that per their Deposit Agreement, they can hold items. Again, my check was from a title company, I have a clear banking history, and the funds were not released they way Reg CC states. I did not even have {$220.00} available. I am beyond upset and frustrated with the lack of return phone calls Ive received from XXXX XXXX to resolve this issue.
Product: Checking or savings account

On XX/XX/ my phone account, email and bank account at Bank of America was hacked and completely wiped out in the amount of {$68000.00}. There was a transaction of {$5000.00} from my savings and several other transactions from my checking totaling fairly around {$18000.00} to a bank account in New Jersey. 

They contacted my phone company canceled my account and ported my phone number over to XXXX so they could receive notifications from my bank as well as approve the transfers, how they were able to do that? Your guess is as good as mine! 

A very sophisticated crime I would say and a huge security risk for everyone who trust the banking and phone system! 

I was out having dinner with my family when my card declined, I checked my bank account and I could not believe it! All the money I had was completely gone! I have not had money to feed my family, pay my bills or my mortgage for that matter no money has been returned to me for the past 15 days and I have suffered. I dont even know how were making thru, it can only be God at this point because Bank of America dont care until their investigation is done, until then we suffer! 

I closed the bank account opened another one but Bank of America said I must wait 10 days for the investigation which could possibly go to 90 days if they dont reach a decision, its pass 10 days at this point, so at 90 days what will happen to me and my family? 

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 I live a straight and narrow life and here I am suffering. 

It seems the bank put me through more hoops than they put the scammers through that stole all of my money! 

Please I need help on this matter before I lose everything Ive worked so hard for all of my automatic bill payments that were connected to my account are now being declined and I dont have any access to my money to pay it, I am in over my head. 

Please get someone on this matter as soon as possible! 

I have no idea what I could have done differently as I do not share any of my pins or personal information with anyone, this is a huge problem for me and so many unsuspecting others. 

What Ive learned? Dont keep all of your money in one bank!
Product: Credit reporting

EQUIFAX/XXXX HAS VIOLATED SEVERAL FCRA LAWS. COLLECTIONS AGENCY DID NOT NOTIFY IN WRITING OR BY PHONE TO NOTIFY ME US THIS DEBT. XXXX NEVER DISCLOSE MY RIGHTS TO DISPUTE THE ERROR. EQUIFAX/XXXX DID NOT PROVIDE A VALID MAILING ADDRESS, ACCOUNT #, AND PHONE # TO CONTACT THE AGENCY TO DISPUTE. THIS FOR PROFIT COLLECTION AGENCY APPEARS TO BE A RANDOM DEBT BUYER AND ISSUES DEBT TO CREDIT REPORTS. I REQUEST A FULL INVESTIGATION BY XXXX AND AND EQUIFAX BY LAW.
Product: Consumer Loan

I took out a signature loan with " Citi Financial '' in XXXX. I had trouble paying back this debt when the economy was in a down spiral. CitiFinancial after so long of not being able to pay had retained an attorney XXXX XXXX XXXX in XXXX Georgia. Afterwards XXXX XXXX XXXX attorney at law had drained my bank account to the negative of checking and savings tour around negative {$23000.00}. This was on a loan that was paid down to. {$8700.00}. Not only that XXXX my tax returns were confiscated 4 for over {$3500.00} each for two years. I paid payments to XXXX XXXX XXXX for the remaining balance. I got a check returned to me that at the bottom said " refund on closed account ( no hold ) ''. I was no longer contacted by anyone else on this matter because the debt was paid in full. Now it is XXXX of XXXX and on my credit it shows that I owe {$11000.00}. The debt was never wiped clean off my credit and I still have a judgement against me after debt was paid.
Product: Checking or savings account

Dear CFPB and Wells Fargo Enterprise Complaints Management Office, I am writing in response to Wells Fargos letter dated XX/XX/year>, regarding the denial of my claims for a {$1000.00} unauthorized transaction ( Claim XXXX ) and a {$70.00} chargeback dispute ( Claim XXXX ). I am deeply dissatisfied with Wells Fargos conclusions, as they fail to address the detailed evidence I provided and lack transparency in their investigations. This experience has left me questioning Wells Fargo 's commitment to resolving genuine customer issues, particularly in light of its history of mishandling customer accounts. Below, I outline specific areas of concern and requests for resolution.

Key Issues with Wells Fargos Response 1. Failure to Address Evidence Provided : * For the {$1000.00} unauthorized transaction : * I submitted proof that I replaced my phone and phone number following the unauthorized transaction, showing that the device tied to the transaction was no longer in my possession. This critical evidence was not addressed in Wells Fargos response. An agent told me thats what was needed. 
* I also provided information from the merchant, indicating that the transaction originated from a different IP address inconsistent with my location and device. This discrepancy was ignored without explanation. 
* For the {$70.00} chargeback dispute : * I provided screenshots of my communication with the buyer, including their acknowledgment of the transaction and subsequent blocking of me after I informed them of the chargeback. These interactions clearly demonstrate the buyers fraudulent intent, yet Wells Fargo dismissed the evidence without a thorough review. 
2. Lack of Investigation Transparency : * Wells Fargo has repeatedly claimed that both transactions were authorized but has failed to provide any detailed explanation or documentation to support these conclusions. There is no indication that my evidence, including proof of buyer fraud and device replacement, was ever reviewed or considered.

3. Delayed Release of Investigation Documents : * I requested documentation related to these claims to better understand Wells Fargos findings. While I appreciate the acknowledgment of this request, the 30-day timeline for releasing these documents is excessive and hinders my ability to contest the denials effectively.

4. Dismissive Handling of Two Separate Claims : * Both the {$1000.00} and {$70.00} disputes were dismissed without proper consideration, despite the time and effort I invested in gathering credible evidence for each case. The lack of transparency and the repeated denials suggest that these claims were not thoroughly investigated.
Product: Credit card or prepaid card

My name is XXXX XXXX. 
After many, many offers I applied for XXXX corporate revolving credit line on XXXX/XXXX/XXXX. ( ref # XXXX ) After 1 week I received letter they can not grant credit because they are unable to verify personal garantor`s identity. I found the phone number contacted them it is XXXX XXXX.They told me that they use adverse action against me because they can not verify the phone numbers I have provided.I explained them that the phone numbers I have provided been my numbers for over decade.My personal cell phone is XXXX XXXX XXXX contract phone and my home phone is landline XXXX XXXX and its still on my name. 
And I also told them that I have a credit card with XXXX XXXX with same contact information.I offered them every possible way that they can verify my identity, even by going to any bank or store.They keep telling me that the only way to verify is a phone number, and if their system does not identify you then they turn down application. 
They act against equal credit opportunity right.They unfairly just refuse to cooperate and help consumer to verify their identity. 
When the supervisor was trying to help me she forgot to mute my line and I heard how she was talking to her colleague and they were saying that they can see my phone number in a system but they can not use it as verification. 
Eventually they just told me that they can not help me. 
Even thought I work all my life to have perfect credit, I spend lots of money on paying them interest, but today they are refusing to offer product.