23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I deposited funds on the blockchain.com platform. I would like to get them back but I can't. my identity verification is still being verified. I gave them all the necessary documents but no news. There are a lot of us in this situation.
Product: Credit card or prepaid card

I am the victim of Identity Theft. I notified my local police agency and my Credit Card, Nordstrom Signature VISA of the unauthorized charges. have complied with all of Nordstrom 's request, completed and supplied them with an Affidavit of Fraud. Nordstrom Card Services, without even contacting me has arbitrarily and capriciously not credited my account for unauthorized transactions, has adversely effected my Credit Worthiness as they have reported to the three Credit Reporting Agencies, XXXX, XXXX, and XXXX, I have used my card in an amount over the Credit Limit, where in fact I have not and the balance they are reporting is because of the unauthorized transactions.I have attempted to pay Nordstroms in fact what they are owed as an appropriate minimum payment on what charges were mine, have requested on multiple occasions they provide me with a true and accurate statement. They have not and I have no idea what amount I actually owe for a minimum payment as Nordstrom Card Services has not told me. Further, as part of the Nordstrom Card Services I am entitled to Nordstrom Reward Points, my account reflects that I have reward points but Nordstrom Card Services has refused to allow me to use them. Nordstrom is in violation of State and Federal Consumer Protection Laws and State Law of Defamation.
Product: Mortgage

Dear all, In XX/XX/XXXX, I conducted a mortgage with the XXXX XXXX XXXX for my principle property which is a condo in XXXX PA XXXX. In XX/XX/XXXX, I was informed that the XXXX XXXX XXXX sold/transferred my loan to the Roundpoint servicing company. In XX/XX/XXXX, I received two interim notices concerning school taxes. I sent these notices by email to roundpointmortgage.com so they can take care of these amounts since they keep my escrow account. They replied by phone call that they don't pay interim or supplementary taxes and that's the borrower 's responsibility. I called them again trying to explain that these notices concern, the first interim notice, school taxes from XX/XX/XXXX till XX/XX/XXXX which I have already paid in the closing date, as you can see from the latest closing disclosure document, and the 2nd notice the two months XXXX and XX/XX/XXXX since the closing date was on XX/XX/XXXX. I even asked to escalate the problem and spoke with the supervisor of the taxes department of the roundpointmorgage company. I also explained that these notices informed me that school taxes have to be paid off by XX/XX/XXXX and XX/XX/XXXX respectively so that i get the 2 % discount or at base until XX/XX/XXXX and XX/XX/XXXX respectively otherwise there is penalty 10 % if paid after XX/XX/XXXX and XX/XX/XXXX respectively and of course my account will be delinquent. The supervisor replied that they don't pay interim and supplementary taxes and that they have scheduled tax payment on XX/XX/XXXX, without explaining what exactly are these taxes. After these conversations, I realized that there was a problem of understanding each other. I was trying to avoid any mishandling of my case that's why I decided to sent another email with all documented evidence on XX/XX/XXXX and a reminder on XX/XX/XXXX and I even copied the people from XXXX   XXXX XXXX involved with my loan process. Up to now I haven't got any response from the supervisor even if I called the roundpoint mortgage on XX/XX/XXXX to see if there was any update concerning my case. 
I am in a situation that I'm not treated fairly at all and the terms of my original loan are not any longer valid with the new servicing company. 
I am a new XXXX  in the USA and I need your help because I don't know what else I can do for my case. It is totally unfair that I'm being es-crowed and at the same time they ask me to pay taxes that I have already paid. It is also unacceptable the way they behave to me as a customer which bring me to point to know my rights and if possible to get my escrow account in my hands and handle all these responsibilities in time. 
I would appreciate your support and guidance and I do apologize for my English mistakes in my effort to be as much descriptive as possible. 
Thank you very much for your understanding and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, over 30 days ago I sent you letters but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX and the Office of the Atty General if did not I receive appropriate response.
Product: Checking or savings account

I recently tried to sign up for XXXX and attach my bank account to the app so that I might be able to build an investment portfolio. However, after going through some authentication, I received an error message saying my bank will not allow that. I'm just curious as to why such an action would not be allowed to go through. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX of XXXX, We closed on a mortgage with Citi Bank Mortgage for property in XXXX XXXX a U.S. territory. In XXXX Citi mortgage stopped doing business in XXXX XXXX and sold it's branches and other business but kept our mortgage. Over the years Citi mortgage has sent me info to refinance this mortgage but when I call them they say that they can not refi in XXXX XXXX. We are paying a high rate of 6 % on this mortgage, Citi Bank never notified us that they were leaving XXXX XXXX and that we will not be able to refinance this mortgage with them. We feel that Citi is not being fair by not letting us refinance for a lower rate on a mortgage they still hold and is being serviced by XXXX since XXXX. Pleas advise us on our rights and what can be done. Thank You
Product: Debt collection

Called and told my employer that they were calling on a legal matter. When I was passed the call, I was told by XXXX XXXX XXXX XXXX , XXXX that she was contacting me and my employer to notify them of a judgement against me in the county in which I live. First of all, she herself stated the debt was charged off XX/XX/XXXX ( which is a lie ). Secondly, I have never been notified of any court proceedings because there have been none. I have received numerous threatening letters and harassing calls even after requesting they do not contact me at work again. That debt was 7-10 years old XX/XX/XXXX and I have lived in Oregon for the last XXXX years ( in XX/XX/XXXX ). These people need to be dealt with. This abuse is not allowed by the Federal Government or any State in the United States
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Costumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I did at length report to XXXX that my credit score ( XX/XX/XXXX it was XXXX : now it is XXXX ) had gone down significantly [ XXXX points ] for no reason and the answer was : " The higher your credit score the more it is scrutinized and every negative impact impacts it significantly '' I had absolutely NO DEBT in the spring, took out a reverse mortgage ( drew out {$46000.00} of possible {$76000.00} : paid cash for a new car and credit for flooring that I paid off immediately. I owe less than {$300.00} today! Before the reverse mortgage, my house was paid off and had been since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15U.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.

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell EQUIFAX AND XXXX 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 : {$0.00} ; XXXX  XX/XX/2023.
Product: Debt collection

I continue to receive letters in the mail and messages on my Voice Mail from this company. I do not want letters or calls. I tried to pay this " debt collection agency '' and the day after? My debit card information was stolen. This is not a legitimate company. I do not feel safe paying my debt to this person. 

They refuse to answer phones and have no email.
Product: Mortgage

I received a letter in XX/XX/2020, stating that my mortgage company BOK had me pay more than needed into my escrow account and that they would be sending me a check in the next 30 days. 
It is now XX/XX/XXXX and I have still not received a check. 
I have phoned twice and both time was told the check was in the mail
Product: Consumer Loan

I got a XXXX loan in 2008 at security finance in XXXX SC. I made my payments and renewed at a later time. I finished paying the loan and happy ive repaid my 1st installment loan. I remember the first crew that were employed there was terminated for not putting the customers payments toward their account. I 'm not sure if its true but recently applied for a loan at security finance and was told I owe them 350.00+ so they denied me. I paid my loan off and its been roughly 8 years since I 've gotten a loan with them so I do n't have the receipts which I held for 3 years. I really need this balance off my report. Its hurting tremendously. I ca n't even get a glass of water on credit due to their bad actions that got them terminated. Thanks.
Product: Credit card or prepaid card

XXXX XXXX ClaimXXXX  Amount- {$19000.00} I would like to see if I be able to get help. This is been going almost a year now. I called them to get the results, but no avail. I did everything they told me to. I sent all supporting documents, including ( Identity Theft Affidavit ). My XXXX is terrible. I hope I can get it resolved soon thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am completely appalled and disgusted that you guys cant seem to get right. i sent letters over 45 days ago ( XX/XX/2021 ) regarding the fact the you guys are reporting inaccurate information on my consumer report. it is up to you guys to uphold the law that was set to make sure my rights were protected as a consumer and you cant even respond to my LETTERS stating that you have received them or even update my credit report showing that a dispute has been open and its been 45 DAYS!!! what kind of company cant follow the rules stating a company must reply with their investigation results in 30 days. i want you guys to immediately remove all inaccurate derogatory accounts there were listed in my letters since you guys cant follows the rules properly.
Product: Debt collection

I have never had a contractual relationship with MIDLANDCRE company, and I believe the original creditor sold my account without proper notification. This constitutes a violation of FCRA Section 611 regarding the reporting of inaccurate information on my credit report. I request that this account be deleted immediately, as it is being reported inaccurately. Additionally, this account is not being reported by the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/79SSN=XXXX  ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against BERLIN WHEELER. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Navy Federal Credit Union Subject : Identity Theft Notification Fraudulent Accounts in My Name Dear [ Recipients Name or To Whom It May Concern ], I am writing to formally notify you that my identity was stolen, and fraudulent activity has been conducted in my name. I recently discovered that an account or accounts have been opened with Navy Federal Credit Union under my identity without my authorization. 

Please note that I have never opened or applied for any accounts with Navy Federal Credit Union. I am not responsible for any debts, charges, or transactions related to these accounts. This activity was conducted without my knowledge or consent, and I am a victim of identity theft. 
Attached to this letter, you will find supporting documentation to verify my claim, including : 1. A copy of my government-issued ID. 
2. A copy of the police report filed for this identity theft case. 
3. A completed Identity Theft Affidavit ( if applicable ). 
4. Proof of address for verification. 

I kindly request that Navy Federal Credit Union : 1. Immediately close any fraudulent accounts opened in my name. 
2. Remove any fraudulent charges or debts associated with these accounts. 
3. Cease any attempts to collect on these fraudulent accounts. 
4. Provide written confirmation that these accounts have been resolved and that I have no liability. 

Additionally, I would appreciate any information you can provide about the fraudulent account ( s ), including application details, dates of activity, and transactions, to assist law enforcement with their investigation. 

Please direct all correspondence regarding this matter to me at the address listed above. You may also contact me by phone or email if further clarification or documentation is required. 

Thank you for your prompt attention to this serious matter. I trust that Navy Federal Credit Union will act swiftly to resolve this issue and protect me from further harm. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I ask chase and XXXX XXXX to cancel a fraudulent transaction that I ensured is a scam, its the only way I can work with to get my money back. I had realized this in XXXX hours I dont see the reason why it doesnt allow me to cancel my own transaction
Product: Checking or savings account

I opened a checking account and savings account with XXXX. A bonus of {$300.00} for meeting checking account direct deposit requirement was met and paid. A bonus of {$200.00} for meeting savings account deposit requirements was met and paid. For meeting both requirements, I was supposed to receive an additional {$100.00} bonus for meeting both requirements. XXXX is not paying it.
Product: Credit reporting or other personal consumer reports

In it's clearest form, I submitted a Federal Trade Commission Report to TransUnion which identified XXXX fraudulent loans from XXXX XXXX. These XXXX accounts were criminally opened and TransUnion hasn't handled this situation well as a Identity theft victim. I hope someone in the identity theft unit will take immediate action to clear these XXXX fraudulent accounts. Thank you.
Product: Debt collection

I received a letter stating I owed XXXX $ on XXXX/XXXX/17. I now received a letter again stating I owe XXXX on XXXX/XXXX/17. I called the company and they stated they charged an " Admin '' fee and a " Collection Fee '' to my account. According to the FDCPA, " they ca n't charge more than the amount described in the original contract or what is permitted by law. ". This being said, the original amount is XXXX XXXX unless there are charges that were added to that as well. They are asking for money not associated with the debt, which is inflating the amount due. I am more than happy to pay my debt, but I will only pay the right amount due.
Product: Checking or savings account

On XX/XX/XXXX, a wire transfer of {$15000.00} was received from my investor to support the initiation of my business. The funds were promptly cleared and made available on the same day. However, on XX/XX/XXXX, the PNC investigations department unexpectedly froze these funds without providing any verbal or written explanation for the hold. 
Both the sender and I have made multiple attempts to contact PNC in order to verify the legitimacy of the funds and demonstrate that there is no fraudulent activity involved in this transaction. After reaching out to the sending bank, Bank XXXX XXXX, I was informed that all funds have been thoroughly verified and the case has been closed from their end. 
Despite our efforts, PNC continues to withhold my funds without offering any justification. This situation raises concerns of potential discrimination, as I have been fully transparent and cooperative throughout this process, as has the sending party. It is disconcerting that PNC persists in holding my funds without providing any explanation. 

Due to these circumstances, I have been compelled to postpone the commencement of my new business venture. The entirety of this situation is truly disheartening.
Product: Credit card

My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from bank of america.
Product: Credit card

I tried to use my card on XX/XX/XXXX in XXXX XXXX for about {$11.00} and Bank of America blocked my card. Unfortunately, being in rural XXXX XXXX, I was not able to immediately call and try to authorize the charge. When I was able to get to a place with cell phone reception, I called Bank of America and they refused to unblock my card unless I came into a financial center. This is not possible as I am in XXXX XXXX and they do not have centers in XXXX XXXX. I am not able to return to the US until XX/XX/XXXX. 

I alerted the agent to this problem and asked to speak to a supervisor and I was refused that request as well. I further explained that I had a balance on the card that needs to be paid, but that I can not do that as long as the card is blocked. The agent provided a phone number to an automated phone payment system, but I am not able to access that either as long as the card is blocked ( redirected back to the fraud center automatically ). A further chat with a new agent further confirmed that I have no way to make a payment on the card currently, but am liable for the payment and will receive fines and fees if I do not pay it.