23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

REGIONS BANK, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by REGIONS BANK and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. REGIONS BANK and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. REGIONS BANK and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. REGIONS BANK and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Mortgage

I have my mortgage with Chase, they have a system whereby you are able to pay by phone, the system acknowledges receipt of funds on the day the payment is processed subject to you providing you providing your routing number and checking account number. Upon receipt of my statement, Chase reflected that the payment was processed a day later and charged me a {$25.00} late fee. This has happened on XXXX occasions to me this year. In the past when I called they acknowledged a 'systems glitch ' but this time they would not refund the fee after spending nearly an hour on the phone and speaking to multiple agents. How many customers are charged fees like this every month, its an obvious attempt to delay the posting of payments to rack up late fees. I would like the XXXX to investigate my case and the overall business practice here. Since mine is a HELOC, the late fee is fixed, however on traditional mortgages the late fees could be significantly higher. Thank you in advance for your assistance in this regard.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation : 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 I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency act XXXX, Equifax, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These address do not belong on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GAXXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I received an email with my full legal name, an old address, and content stating my loan was approved for XXXX. I did NOT apply for this loan. I reached out multiple times and was told they needed additional PII to look me up in the system. In the meantime, I submitted a XXXX  complaint and noticed that many folks have reported similar situations resulting in some of them paying money to stop the harassment in collecting loan proceeds for a loan they didn't even apply for. 

I finally spoke with XXXX in management today. He mentioned this is likely identity theft. He confirmed the funds were actually sent to an old XXXX account of mine. This account has been closed for years and the funds were returned. 

Here 's my issue. This isn't identity theft. In what world would a scammer use my actual email address and an old bank account that was actually mine and is now closed. This is likely a business model choice... 

I'd like to fight this as far as I need to. I did go through a terrible time in the past ( 15 years ago? ) with a few payday loan firms and I remember the endless fees and inability to pay them down. I thought these guys were ultimately run out of business, but it seems they are still alive. 

I'd like someone to investigate the actual loan app that they approved. I asked the company to send me a copy as well. I am in banking and understand underwriting. They didn't run a personal credit score or report for me. They didn't contact my place of employment, etc. hence why I believe this scam originates within the payday lender itself or something less obvious then just run of the mill identify theft. I'm morally outraged that this firm hides behind their tribal jurisdiction and is fleecing people.
Product: Checking or savings account

I was using my account normally, I made a deposit via cash & check. All my funds cleared and have been held by for over a month. My account has been frozen and walked into the branch multiple times to just close it and called every number but they've done nothing and at this point I feel like I've been robbed of {$270000.00}
Product: Money transfer, virtual currency, or money service

Dear whom this may concern, I currently have choice checking account with HSBC. I received letter in the mail dated on XX/XX/XXXX saying that I need to visit local branch or call HSBC at XXXX XXXX XXXX. This letter says that HSBC need additional information to complete the records of my account even though it has already been opened since XX/XX/XXXX. The letter threatened to suspend my account or even close my account if I don't complete this by XX/XX/XXXX. 

I am unable to visit the local branch because I am traveling indefinitely. I proceed to call the number since last week numerous time. Each time I was put on hold for over an hour with no luck. 
I have tried calling other numbers such as ( XXXX ) XXXX. No one was able to respond to what this " additional information '' request is all about. I was transferred to the " right department '', but was still on hold. In multiple calls, the result was the same and I was put on hold for over an hour each time. I was told by the representative that I will be emailed back or called back, but I never heard back from anyone. I have already given every means for HSBC to contact me back including my email address, my phone number that works in the US, and another number that works while I travel in XXXX. The total time I wasted to wait for someone to respond was over 4 hours since I tried to call. 

This whole thing is unprofessional and inhumane. HSBC side could not be reached in the first place. First of all, there was nothing wrong with my account. Secondly, HSBC should be the one to try to reach me via phone and email. The act to demand me to contact the company when HSBC was never available is the worst kind of of business practice. I demand some real monetary compensation for wasting both my time and emotional energy of trying to reach you since XX/XX/XXXX until now. 

Finally After being put on hold for 45 mins on XX/XX/XXXX, someone finally answered. I was threatened by HSBC Just so they could complete basic trivial info like " how am I going to be using my bank account '' Or if " I recently graduate and where do i work. '' I demanded to speak to a supervisor, and was still put on hold as the supervisor couldn't be reached. I was told that my complaint will be filed, and I was promised that I will be contacted back. I hope this promise is true because I have yet to be compensated for this mess. 

In another separate incident, I asked one of the rep on the phone about transferring money between from my brother 's account to mine. We both owned HSBC account so we would like this to be done electronically on XX/XX/XXXX. I was advised to use the bill pay function and was guaranteed on the phone that the money will be received in 3 to 5 business days. A week passed, and I did not receive the money in my account. Instead we gave up and he had to do another separate transaction to wire the money in. It took over 3 weeks to transfer the money!!!
Product: Checking or savings account

I have been using American Express ( AMEX ) Credit card from the end of XXXX in XXXX. And I have been using AMEX app since XXXX. 
I opened XXXX XXXX XXXX account in XXXX on the phone using AMEX app. 
I tried to internet transfer {$80000.00} to AMEX from XXXX  XXXX XXXX ( XXXX ) XXXX XXXX. 
Transfer was returned on XXXX XXXX. 
I tried to internet transfer {$80000.00} and {$10000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
Transfers were returned on XXXX XXXX. I thought they might have upper limitation to transfer at one time, so, I tried to transfer {$10000.00}. 
I tried to internet transfer {$90000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
Transfer was returned on XXXX XXXX. 
I thought I wrong routing number, I set again. 
I tried to internet transfer {$90000.00} to AMEX from XXXX  XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX transferred {$90000.00} on XXXX. 
I received email from AMEX about " statement available '' on XX/XX/XXXX. 
I received an email from AMEX about " online enrollment restricted '' on XX/XX/XXXX. 
I called AMEX XXXX. 
They said they have decided to close my account due to business decision. 
They asked me to talk with XXXX  XXXX XXXX to recall this fund. 
I visited XXXX  XXXX XXXX 4 times to solve this issue. 
I called ACH, fraud clime team of XXXX several times. 
AMEX said only that i asked XXXX to recall this fund. 
XXXX said they couldn't recall this, because this was not fraud. 
But unfortunately, I am stuck. 
I am not sure that this was fraud. But could you please survey this issue.
Product: Mortgage

On XXXX I purchased a condo in New York and the loan was initially funded by XXXX XXXX. The loan was sold to Fifth Third Bank. My property tax payments were estimated at {$620.00} / mont by XXXX XXXX. When the load was transferred, I continued to make these payments. Then Fifth Third Bank said that there was a shortage on my account of {$2900.00}, which I paid. They said that even after paying my shortage, my new property tax payments would be {$1200.00}, which is the double of what I was projected to pay. However, I checked with the city and the bills for XX/XX/XXXX and XX/XX/XXXX were of {$1800.00}. Fifth Third Bank reports that these bills were and will be of {$3600.00}, which is incorrect. Additionally, it appears that they double paid the bill for XXXX because I was charged twice, while the city reports the payment was just {$1800.00} once, Fifth Third Bank reports that it went twice, once on XX/XX/XXXX and once on XX/XX/XXXX. ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} I have been paying my calculated escrow as required in addition to all provisions at closing the escrow. Why am I being robbed?
Product: Mortgage

Greetings, We had a claim since XXXX of XXXX with XXXX XXXX XXXX insurance for water damage which was paid for partial in XXXX and we as the homeowners did all the fixing of our home by using our own money and we hired an attorney to sue the insurance company. 
Now, in XXXX of XXXX we finally won the lawsuit and the settlement was sent with a letter of explanation to the mortgage company explaining that this was a settlement and that no adjusters worksheet is needed as they keep asking over and over again. This is the third time I had to make a complaint about this mortgage company for their abuse of practice and the way they treat us clients. I sent them the check endorsed and told them that we have used every single fund we had to fix our home and they can send an inspector to see that the house as no issue what so ever to verify that the house is in inpecable state. Instead they keep insisting on adjuster worksheet and adjuster bid for a closed claim since XXXX? 
Please help ; we are tired and stressed. I had to file bankruptcy due to lack of funds, and I need my money, but not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

My records associated with the account WELLS FARGO do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment to WELLS FARGO but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX XXXX is not authorized to collect debt and I noticed was faxed into XXXX stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with XXXX. Someone opened a card in my name from Prosper. I have disputed this with all 3 bureaus. All of them have erased the fraudulent information except for XXXX. The last complaint I sent, they said they would look into it. They sent me an updated credit report a few weeks ago stating that the information wasn't on there. And this morning they stated that the information was updated and mines. Again, how are they verifying the information, when the the credit card company itself is saying it was a fraudulent account?
Product: Mortgage

This is a new issue since tax time just started! We have been working with company and things are getting no better! Now we have received our XXXX Mortgage interest form and it is wrong missing the correct amount of interest paid to bank as well as buy down being incorrect and more! They have charged for buy down in a loan which ended in XXXX if XXXX yet they charged for the whole months ( XXXX ) rather than XXXX at the most at {$130.00} per month! They have also not reported the payments made to XXXX in which interest was once again charged and more to. There number sis off by $ XXXX to say the lease! We have requested since XX/XX/XXXX that they send out a corrected copy and not produce false information to the IRS!
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES XXXX XXXX  - XX/XX/2023
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I initiated a payment from my bank account in the amount of {$1500.00} to repay the balance of a Loan I took out. It took them a week to post to my account that i had pain in full. On XX/XX/XXXX I request a receipt of payment, I was told they would send me an email within XXXX hours. I received an email stating my account was closed per my request, but it did not include why it was closed or if the balance had been paid. I Paid my credit balance off in full and requested a receipt of payment, account summary, account statement or something showing that I repaid my debt. I have reached out several time to customer service by phone, email and the account portal and have not had luck with them.
Product: Consumer Loan

I have XXXX special term loans with Wells Fargo Financial. XXXX of these loans is set to expire on XX/XX/XXXX. I have been making my payments but only a fraction of my monthly payment is being applied to the special loan balance that will expire the soonest which is contradictory to the information on their website that states that payments are applied to balances with the highest APR and then to balances with special terms that will expire soonest. According to the phone agent that I spoke to today only {$14.00} of the {$190.00} monthly is applied to the balance that is set to expire on XX/XX/XXXX and the majority of the dollars of my monthly payment is applied that will expire in XX/XX/XXXX. I was told that I would have to pay {$550.00} to pay off the balance of {$360.00} to avoid being charged the outstanding interest set to hit in XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I went to check on my TCF savings account and found that my online login no longer worked. I called customer support and they have no record of my account. 

I went to the branch, who also had no record of the account associated to my name. After finding the account number from an old paper statement, the branch was able to locate the account as 'closed '. The documentation ( attached ) showed it was moved to a dormant account status in XX/XX/XXXX and then drained month after month until the balance reached XXXX. This was handed over only after the 3rd trip to the branch and 3 phone calls.

All of these was done without any notification ( email, mail, or phone ). TCF claims their policy is to call multiple times and send notifications through the mail. None of this occurred. I have requested copies of these notifications and have not received anything after 1 month. I was coerced into getting paperless statements and the last statement I had received was prior to any account deductions. 

The account had {$120.00} and I am seeking to get those funds returned to me. A banking institution can not be allowed to silently and secretly steal money from its clients. The bank seemingly hid statements and communications while they siphoned money from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for XXXX account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via XXXX. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. Account recovery has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.