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

I applied for a ppp loan and got just over XXXX XXXX dollars. I got accepted right away and all was well. I used my debit card to spend a few thousand dollars of the funds that had been deposited via ACH and had cleared within one business day, per usual. Then i went to TCF on XX/XX/2021 to request to cash withdrawal of {$4000.00}. They randomly felt the need to call and verify to make sure the funds were mine due to the ACH referencing sole proprietor and not my name - even though I that is the type of entity I use for my business. They verified that the funds were mine but then felt the need to lock my funds for no reason, whatsoever. Ive been asked over and over to provide an EIN number, to which I keep explaining that Im a sole proprietor and that my EIN is legally my social security number but they insist that wont work when I know for a fact thats the correct way to do it. I feel like Ive been robbed and profiled against, as I am a young XXXX entrepreneur and now I am unable to use the funds that are rightly mine. My account is now negative over {$4000.00} and they wont help at all to release the hold on my funds. The branches address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX.
Product: Credit reporting or other personal consumer reports

All accounts that are charged off or in collections are due to my info being used fraudulently in a data breach. Remove all charge off and collection account from my credit report
Product: Checking or savings account

On XX/XX/XXXX I opened a new account online with Synovus Bank and my account was debited twice for the initial opening deposit of XXXX. I contacted Synovus for over a week via messaging, calling customer service and was told I needed to call my previous bank and have them resolve it on their end. Made no sense but I contacted my previous bank and they reversed one of the 2 ACH withdrawals. A few days later Synovus blocked my account and card, I called customer service once again and was told I needed to go into the branch. On XXXX  XX/XX/XXXX I went in and was told by XXXX XXXX my account was under review by their " Financial Crimes . Department ". She sent them an email explaining what happened even showing them the duplicate XXXX ACH debit opening charge. It is now XXXX XX/XX/XXXX my account is still " Under Review '' nobody will give me answers and I can not access my money. I have since called repeatedly and found out they were closing my account 3 weeks ago and sending a check to me in the amount of XXXX. I never recieved my checks so i once again contacted synovous. Today is XX/XX/XXXX and I got a check in the mail from them for XXXX I have never in my life been treated so poorly as this Bank is treating me.
Product: Mortgage

Chase has breached privacy as they have sent us another Chase customer 's mortgage documents and since we did n't receive our documents we are worried our documents were sent to another customer. For months we have tried to receive an affordable short term repayment plan due to delinquency from income reduction and fluctuation. There was a delay of nonsense and ongoing ridiculous phone calls for months asking the same question about start date and first payment date from my new job. After this delay we were told that our paperwork and approval was on the way, that rep would call us back after we had time to receive and go over and we would need to get it signed and returned to Chase - this was first week of XXXX. WE NEVER RECEIVED IT AND NOBODY EVER CALLED US. We called and could n't get our assigned contact so after no assistance we sent Qualified Written Request at end of XXXX. XX/XX/XXXX they finally returned our call and stated that it was never sent and rep said she never got the notification in their system to prompt her to call us to go over and stated " it had happened with another customer in a similar situation '' Rep said she would call back. Rep called back a little later that same day which wasXX/XX/XXXX and stated she had special permission for the plan/agreement to be emailed and we needed a security code from customer svc which she arranged. We received by email an agreement and plan that actually was set to begin onXX/XX/XXXX so at that point that plan was even late being started and we were given no time to even read it and we had to quickly scramble around and make the first payment of {$4200.00} late. We were still involved in the qualified written request and then we received correspondence in the mail stating that there had been no error and also included what was supposed to be a copy of our paperwork but was actually another Chase customer 's confidently mortgage information and paperwork. We are in a huge financial mess, we can not afford these payments and frankly if Chase no. 1 had not drug their feet and questioned the same question over and over about start date and first pay date for a good 2 months and then all the other processing delays we would n't have the breaking point of the extra {$870.00} that was added due to the delinquency that accrued during the delay in processing. THAT SITUATION IN ITSELF IS ENOUGH FOR A CUSTOMER TO BE FURIOUS BUT THEN ADD IN NEVER SENDING US OUR PAPERWORK AND THEN TO NOT BE GIVEN ANY TIME WHATSOEVER TO GO OVER THIS AND HAVE TO SEND IT BACK RIGHT AWAY AND GET A PAYMENT IN BUT THEN TO RECEIVE ANOTHER CUSTOMER 'S PAPERWORK INSTEAD OF OUR PAPERWORK. THIS IS NOT ACCEPTABLE ON ANY LEVEL. To receive another customer 's paperwork is not acceptable and it is a disregard for that customer 's privacy and then WHERE WAS OUR PAPERS MAILED? WE NEED ASSISTANCE WITH AN AFFORDABLE MORTGAGE PAYMENT AND WE NEED ANSWERS ABOUT WHERE OUR PAPERWORK WAS MAILED AND WHO RECEIVED IT. WE NEED ANSWERS AND ASSISTANCE WITHOUT DELAY.
Product: Checking or savings account

On XX/XX/2021 I authorized a payment of amount {$2600.00} to pay off my XXXX XXXX credit card balance. The payment was to come from my Citibank checking account. On XX/XX/2021, the payment of amount {$2600.00} was withdrawn twice from my checking account and paid to XXXX bank. I only authorized the payment once, but two payments of the same amount were made. On XX/XX/2021, I called Citibank to correct the issue and request that the second payment be returned from XXXX to my checking account. They claimed that the payment could not be reversed as it had already been processed and the funds had been available. They claimed no fault as their fraud detection system had not been flagged during the erroneous second payment. I have not been able to get a hold of anyone at XXXX to request a chargeback, but the money is currently a credit on my XXXX account.
Product: Checking or savings account

Attached is the documentation detailing the fees that were charged due to the returned checks. A total of {$120.00} was charged. 
I am also attaching the letter I received from BMO Harris requesting supporting documentation for reimbursement.

I received a letter from BMO Harris dated XX/XX/2018, that it has decided to close my bank account. The letter does not include any explanation why my account will be closed. 

I received a letter from BMO Harris dated XX/XX/2018, that I confirmed that there was no fraudulent activity and BMO Harris removed the restrictions from my account after my confirmation. In this letter, BMO Harris apologized for restricting my account without me being informed, and requested supporting documentation for fee reimbursement because I was charged {$120.00} due to BMO Harris 's action.

Both letters are from the same Fraud Management and Enterprise Authentication department. 

As the XXXX XXXX letter confirmed, there was no fraudulent activity, and BMO Harris 's mistakes ( Changed my name in the bank file and my account, froze my account without any notification ) caused this situation. 

As the XXXX XXXX letter came after the XXXX XXXX letter, I would like to ask whether BMO Harris will still close my account even after it learned and confirmed that there was no fraudulent activity. 

If it will close my account nonetheless, I would like to request an explanation from BMO Harris why it will close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Transunion did not provide evidence. CFPB step up and delete XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a 609 letter requesting an investigation from XXXX XXXX XXXX regarding inaccurate/erroneous items on my credit report that were being reported illegally. On XX/XX/2021, XXXX XXXX XXXX sent a letter stating they completed the investigation, the items were verified as accurate and the items were not deleted, as requested. This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect and does not belong to me. On XX/XX/2021, I sent a Method of Verification letter, requesting under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2021. I also stated that they have to reply within 15 days of the date of this letter or delete the negative items, as originally requested. It has been 15 days and I have received no response.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS or WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have contacted Experian, but they wo n't discuss anything with me or allow access to my report.
Product: Credit reporting or other personal consumer reports

this debt does not belong to me. I requested proof of debt and removal. I have yet to get a response from the credit reporting agency or debt collectors. 

XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX {$280.00} these accounts do not belong to me also reporting different dates and different information. 

XXXX XXXX XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received mail from credit collectors and I wanted to check my credit report. I tried each of the three companies XXXX, XXXX & Experian, and none of them will give me the account numbers of the accounts on my report. Next I wanted to download a copy which only XXXX would allow me to do. Finally when I tried to file a dispute My accounts were suspended. I paid for XXXX and they still would not hel me & there is no way to cancel my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Date of Inquiry : XX/XX/XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( which is the address listed on my credit report ) on XX/XX/XXXX and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$17000.00}. I also informed XXXX XXXX XXXX, LLC that if their offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX Lofts '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I have NEVER lived at that complex or done business with XXXX lofts. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. I appreciate the CFPB 's assistance in the matter. Best,
Product: Mortgage

Ocwen is reporting to the XXXX major credit bureaus incorrect and very damaging mis-information. 
We have given them the opportunity to correct their error but we were only met with a standard form letter stating they are correct. We even sent proof from our online account pay history ( which will be included ). 

Specifically, they are reporting to the XXXX big Credit Reporting Agencies that our Mortgage was 180 days late for 7 months, which is absolutely false. From XXXX XXXX until XXXX XXXX they would not accept any regular payments from us. Our mortgage is a VA backed mortgage and during this entire timeframe we were in a " modification '' stage with Ocwen. In this timeframe they sent us several incorrect items of paperwork with little to no instructions. We had these paperwork items signed and notarized each time ( 3 times with about XXXX separating their reponse each time ). It is very clear to us, or anyone that can see the communications between us, that they were intentionally stalling the modification process in order to rack up fees and charges for themselves as well as to apparently ruin our personal credit. 

Ocwen is NOT out to help anyone but themselves! The actions by this company are seriously criminal and should be followed up on in a serious manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account unde.. ) open end consumer credit plan as late for purpose.
Product: Mortgage

This happen during hurricane Harvey. I was given a 3 months grace period of not paying my house payments? Now, Wells Fargo wants all of the 3 months grace money from harvey now? I wanted to add my payment to the end of my existing loan.. During the Hurricane Wells Fargo told me that .I could add too my existing loan?
Product: Payday loan, title loan, personal loan, or advance loan

We are asking for assistance with this account. We took the {$1600.00} loan for car repairs and the first payment was on XX/XX/year>. The payments are {$96.00} and bi-weekly. So far 13 payments have been made for a total of {$1200.00}. We were finally was able to log into the EasyPay account and because of interest the balance still owed is {$1500.00}. I know the interest rate was high but had thought there was a grace period to pay it off. Apparently weve missed that grace period. I had to take out this loan for car repairs. We work full time and our daughter was recently diagnosed with XXXX XXXX XXXX so most of my money goes toward medical care and supplies. The car repairs were needed to get to and from appointments. Im sick over the fact that Ive paid {$1200.00} toward this loan and almost all of that has went to interest. Im please begging you to reach some kind of settlement with us and well pay this off immediately. If theres anyway more of the payments could be applied to the principal. We can make a settlement towards this account but am begging to please apply more of what was paid to the principal. I just cant believe a company can charge this much in interest, how is there not a cap. Thank you,
Product: Checking or savings account

I AM A VICTIM OF FRAUD AND ABUSE, BECU 'S " FRAUD CENTER '' IS FRAMING ME FOR FRAUD, I ORIGINALLY VISITED BRANCH XX/XX/XXXX TO DISPUTE MULTIPLE MYSTERY TRANSACTIONS DEBITED FROM MY ACCOUNT. THE FOLLOWING DAY I CALLED THE BRANCH TO DISCUSS PAYMENT OPTIONS ON MY HELOC. IT WAS AGREED THAT I COULD SKIP A PAYMENT, THE NEXT DAY BECU STEALS XXXX $ FROM MY CHECKING ACCOUNT, THIS PUT MY FAMILY IN SERIOUS FINANCIAL DURESS, AND REQUIRED ME TO MISS WORK. I CALLED BECU AND ASKED TO HAVE THE PAYMENT REVERSED THIS TOOK A GOOD PART OF THE DAY, PASSING ME FROM PERSON TO PERSON TO PERSON, THEY REFUSED, CAUSING ME TO SEEK PREDATORY LENDING AND ACQUIRE A PAYDAY LOAN. I PULLED MY CREDIT REPORT AND FOUND BECU HAD BEEN CHANGING MY PAYMENT DATES XXXX XXXX AND BACK SO THEY COULD EMBEZZLE FUNDS. THEY DID THIS XXXX TO 4 TIMES A YEAR. I CALLED THEM OUT AND SENT THEM A LETTER, ASKING THEM TO PAY OFF MY HELOC LOAN OR I WOULD SUE THEM FOR XXXX XXXX DOLLARS. THIS WAS MORE THAN FAIR, CONSIDERING IVE ALREADY PAID BACK THE XXXX IN INTEREST PAYMENTS. THEY IGNORED MY REQUEST AND CONTINUED THE ABUSE, SUSPENDING MY HELOC CREDIT ON XX/XX/XXXX. THEN XX/XX/XXXX BECU WITHDRAWS {$830.00} FROM MY BUSINESS ACCOUNT USING A FRAUDULENT CHECK THAT DID NOT HAVE MY NAME OR ACCOUNT NUMBER ON IT. I CALLED, THEY OFFERED NO SOLUTION, WHEN I POINTED OUT THE CHECK DIDN'T HAVE MY ACCOUNT NUMBER THEY PUT ME ON HOLD, AND WITHDREW {$250.00} USING ANOTHER FRAUDULENT CHECK GUESS WHAT! THIS ONE DID HAVE MY ACCOUNT NUMBER THEY SOUNDED SO CONCERNED FOR ME THEN, THEY CLOSED MY ACCOUNT AND DEMANDED I COME TO THE BANK " URGENTLY '' TO HANDLE THIS ISSUE. THE BRANCH MANAGER STATED " YEA I CAN SEE THESE CHECKS CLEARLY ARE NOT YOURS WE JUST HAVE A PROCESS WE HAVE TO FOLLOW ''. LEAVING ME TO SUFFER WITH A CLOSED OVERDRAWN ACCOUNT W/FEES UNABLE TO RECEIVE FUNDS. I HAVE A DEVELOPMENTAL XXXX, THIS ONGOING ABUSE HAS CAUSED ME TREMENDOUS SUFFERING & I TRULY BELIEVE THIS IS WHY BECU IS CHOOSING TO DISCRIMINATE AGAINST ME THINKING NO ONE WILL BELIEVE THE KIND OF ABUSE THEY ARE CAPABLE OF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of idenity theft which has resulted to damage to my credit worthiness i do not not own, authorize, or have any knowledge of any of these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize This Account I've Been a Victim of Identify Theft
Product: Credit reporting or other personal consumer reports

I was looking to apply for a XXXX XXXX XXXX  and notice damages on my credit report. According to the 15 USC 1681 law their should not be any damages on my report and is a defamation to my character
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - XXXX Reported XX/XX/year> - BALANCE {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On XX/XX/XXXX I received a debt collection letter from Convergent Outsourcing , Inc. based out of XXXX, WA, said that I owed {$4600.00} -- and this debt was coming from XXXX XXXX, XXXX. 

Convergent Outsourcing, Inc said " Our client has advised us they are willing to accept 35 % of your total balance ... your reduced amount would be {$1600.00}. '' The original creditor according to the letter is XXXX XXXX. 

I wrote a letter disputing this debt on XX/XX/XXXX. 

I am complaining because I PAID THIS DEBT back in XX/XX/XXXX ( more than 10 YEARS AGO ) for a settled amount of {$1400.00}. 

Any guesses to how and why this is happening?