23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

" In XX/XX/year>, my home suffered severe damage from a fire originating in my neighbor 's house. For over XXXX years, repairs have been stalled. Communication with my neighbor 's insurer, XXXX XXXX, revealed a reversal in their original commitment to cover the repairs, claiming the fire wasn't their client 's fault. Despite my inquiries, they've provided no further clarity. 

I hired a public XXXX, but they mishandled my claim, taking a significant portion of the payout for my personal contents. My own insurer, XXXX, failed to pursue subrogation for my housing expenses, resulting in my family 's eviction from temporary housing and forcing us into homelessness. 

Repeated attempts to resolve these issues with my claims XXXX were met with resistance. My request for relocation to more affordable housing was denied, and my personal contents claim was severely undervalued. I've exhausted my savings and am on the brink of losing my family, struggling to get my children to school. 

I am seeking assistance in holding accountable my insurer, XXXX, and my neighbor 's insurer, XXXX XXXX, for their failures. I am also concerned about the role of my public XXXX in this process. The lack of transparency, accountability, and what seems to be discriminatory practices are alarming. As a homeowner who followed all necessary protocols, I deserve better treatment and a resolution. Please consider taking on my case. ''
Product: Checking or savings account

TD bank holds account deposits for an long time, they do not allow the money to be available to you according to their policy, their policy states that the first XXXX would be available and the rest of the amount up to XXXX will be available the next business day. This isn't case, they do not deposit checks in a timely manner, they will then clear a check and post it to the account to reflect the same date as deposit while adding additional fees. Our accounts have suffered numerous over draft fees because of them holding checks on an existing account through them for over a year. The deny cash with drawls on the accounts along with Not processing checks- I have had to call in a panic because the funds have taken an extensive amount of time and i was unable to get my medications. I have tried to reach for a resolution with them and i have not gotten anywhere they refuse to change any of this and consistantly blame this on the " Back Office '' stating they dont have control- They have also Made " Authorized phone transfers from one account to another with out speaking with my husband or i they jsut removed money from an account with out our permission. ) we never authorized a phone transfer to clear account from being negative as i was waiting in your company to release my funds. MY ACCOUNT wouldn't have been in a negative state because of your " polices '' THIS IS FOR ALL 3 accounts that are listed on this complaint. I want all accounts to be combed though and all fees returned. as your poor business has cost us a lot of hard ship.

I would like this investigated ( this bank TD bank has had numerous Class action lawsuits against them for excessive fees ) I believe what they're doing is illegal and i would like a proper resolution fees and penalties and money returned. 

An example would be deposit on XX/XX/XXXX XXXX XXXX not available- on XX/XX/XXXX XXXX was added for over draft. but the account wasn't over drawn. once the check cleared it reflected the XX/XX/2019 date. 
statements and notices are attached. this has been going on for a year. you will be that the fees are not for out fault but for the company as these charges were cleared. 


they decide what to pay and when to pay it on their terms so see how much they can make off of a fee. they will deny a XXXX transaction but they will approve 5 small transactions so they can assess more fees.
Product: Debt collection

The child support agency is suing me for a debt they never proved I owed. No contract of any sort and they have suspended my persons drivers license without providing me any proof of the debt I owe them after me sending them numerous responses asking to see the contract or anything that says I owe them. I took them to court in XX/XX/XXXXand now the Friend Of The Court is saying that I owe them also. All of this is without anyone sending me any documentation of my signature on anything obligating me to any type of performance after I've asked multiple times. They are saying I owe them almost 2000 dollars for who knows what.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously ... several weeks ago ... requested all 3 credit reports from the CRAs  as they refused to send 2020 reports. 
So I did receive those reports and applied for a loan which XXXX XXXX rejected which I expected but also sent me a letter telling my credit reports were frozen ehich I never requested from Equifax. 
I do not know if all 3 reports are FROZEN or just Equifax. 
This was NEVER requested by me I did ask for complete credit profiles however. Today is XX/XX/2020 Thanks XXXX XXXX
Product: Credit card

I was mailed a promotional offer by Citibank for a Citi / AAdvantage Platinum Select Master Card which included an offer for XXXX American Airline bonus miles after making {$3000.00} in purchases in the 1st 3 months. I met the purchase requirement, and contacted Citi to ask about the status of the miles. I was told that I do n't qualify for the promotion since I had the same credit card in the past 24 months. I knew there was a restriction on opening and closing cards to keep people from taking unfair advantage of the offer, and it used to be 12 month. It had been 14 months since I last had a similar account with Citi. However, Citi was mailing these promotional offers every few weeks, so I called the Application Line to find out if I qualified. I specifically asked the agent if I qualified for the XXXX mile promotion, and assumed she had access to my account history to confirm eligibility. The agent confirmed that I qualified for the XXXX mile promotion, and that I would receive the miles as soon as I met the purchase requirement. There is no question that the Application Agent told me that I qualified for the promotion. I never would have signed up for the credit card if I had n't been guaranteed the bonus. Today, Citi customer service said that it does n't matter what the agent did or did n't say. They will not give me the frequent flyer miles even if the agent promised them. They agreed to go back and listen to the application recording, but stated that it wo n't matter because at the end of the call the agent would have read a disclaimer that overrides any promises made during the call. I understood the disclaimer, which is why I asked if I was eligible for the promotion. I did n't remember exactly how long it had been since I had been a previous Citi customer, so I had no way of knowing whether or not I was eligible. I relied on the Application Agent to tell me - and she said " yes ''. I 'm not an expert on laws governing over-the-phone financial applications, but at a minimum I think Citi is obligated to fulfill the commitments made by their employees. This appears to be a very deceptive practice, with similarities to what XXXX XXXX has been doing to their clients. While there is no cash value associated with these miles, XXXX airline miles could be used for XXXX domestic tickets which could cost {$500.00} or more each.
Product: Prepaid card

I would greatly appreciated your assistance in a matter that needs a resolution. 
Bank of America has continually denied my claim of identity theft due to their negligence. 
Back in XXXX of XXXX  my bank credentials were compromised and my account was fraudulently hacked of XXXX. My account information was changed without my authorization and Bank of America failed to inform me of the changes. My email and my phone number were changed in XXXX, XXXX. As the account holder, I didn't receive a text, an email or a letter to my mailing address. An online account was created and the perpetrator was able to order a replacement card via XXXX  XXXX that was delivered to my building lobby with no signature required. Leaving them with easy access to the replacement card. Unfortunately, the card was activated with my credentials and my account was comprised of XXXX. 

Serval attempts have been made including police report of identity theft, many phone calls, faxes and sending substantial proof to Bank of America, however this institution has decided to oversee their error in not informing me of the changes. Had I been contacted my account would have been in good standing today. 
As of today, Bank of America while under investigation has decided to close my account and refund me all the fraudulent ATM fees and a check for the XXXX  XXXX fee totaling {$50.00}. At this point I'm under a lot of stress and honestly, don't know where else to turn. 
I have attached their response to the claim and reason why they are denying it. Bank of America has simply decided to use the fraudulent withdraws as their proof as to why my claim is being denied. Bank of America is not providing substantial proof other than the illegal transactions. I'm also requesting records of the unauthorized changed personal information, in which I have not received.
Product: Checking or savings account

A XXXX XXXX XXXX XXXX by XXXX XXXX XXXX. XXXX CA., had my debt card on file. My reservation was made and confirmed by the hotel manager. I was on a business trip for a job opportunity. After the reservation was made, an employee called my stay room three days into the reservation claiming that they foregot to run my card to reserve and different employees different shifts tried to continue to take money out of my account, in amounts that were not the authorized amount for my stay. more than 30 different transactions amounts all different amounts on different transactions tried to be accessed on my account. Now my account is in a over -drawn state for more than 21 days. In the amount of XXXX credit was given by the bank twice the amount and left me {$900.00} and then the credit was restricted put me back in the negative. Now the account is still over drawn by {$960.00} I have a lot of details to provide about this case. I want the bank audited as well as the company. To find the missing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also talked to the bank and told them that your bureau continues to report this misleading information. The bank has agreed to remove the late payment in my account. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a {$240000.00} $ wire from a US Citibank branch for the purchase of a home in the US on XX/XX/2022. I am a US citizen. Citibank is saying that the wire is under compliance review. Then Citibank said it is held by the government at OFAC. Later, Citibank said it is at the compliance department at Citibank. 
They did not provide a reason for this hold. They did not provide a timeframe for the review to be processed. They are just telling me they don't have any information to give and asking me to just wait. I have been trying to figure out what caused this review and how long it will take. 
The closing was supposed to occur on XX/XX/2022. It did not. I am in default of the house purchase contract That I have signed. XXXX XXXX XXXX will have to return the funds to my lender. I will lose the house, the earnest money deposit Citibank said it could take days or months.
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 legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Please remove/block the this account as they are fraudulent & was opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Opened : XX/XX/2017 Balance : {$10000.00}
Product: Checking or savings account

On XX/XX/2024 I had a payment due to come out of my checking account for XXXX. My account was short XXXX, but I have over draft protection on my checking account. I was told that any thing under fifty- dollars would not be charged an overdraft fee. When XXXX XXXX attempted to pull the XXXX out of my checking account Chase Bank did not allow it to go through. I recieved notification from XXXX XXXX that the transaction had been resended, this caused my credit score that I am working on building to drop points!
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I've been a victim of identity theft and found credit inquiries I have no knowledge of here are a few, 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  Please remove these fraudulent inquiries from my credit report. I also have my identity theft report attached as well.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this XXXXXXXX stating it is not me. I am a natural person and a consumer.
Product: Debt collection

Called XXXX on XX/XX/XXXX when debt was originally discovered advised to send in copy of DL and other ID docs. Sent in XXXX called and advised debt had been sold to Jefferson Capital to contact them. Advised Jefferson Capital debt was not mine and this had already been determined by XXXX - debt was previously removed from my credit but reappeared as opened in XX/XX/XXXX -called Jefferson Capital and they indicated original debt was bought in XXXX Credit shows this company despite receiving info that this is not my account is reporting the debit as recently opened on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

on XX/XX/2022 i requested The Bureaus Inc a validation of the alleged debt, firts they did not send any letter to request to verify the debt, XX/XX/2022 send the validation letter to them a failed to provide proper validation. and still continued to report the alleged debt to the credit bureaus. 
usps certified tracking number ; XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DeptOfED/Nelnet Account XXXX XXXX, has 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 reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to first progress and credit on bank. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Mortgage

In XX/XX/XXXX I started a refinance w/cash withdrawl. There were numerous issues with me viewing loan docs so the officer sent then to my door via XXXX XXXX without asking, no signature required. The package left on my step contained every bit of information to assume my identy in it. This upset me and when speaking to the loan officer I was offered an apology and that wasn't not their normal practice to ship like that. At this point I just wanted the person who dropped the ball off my loan but I was willing to continue. Along this same time I was receiving multiple calls from the appraiser pushing me to schedule. Mind you I had not paid my app fee or even recieved loan documents to review before paying a {$960.00} non-refundable non-transferable fee. At this point ( beginning of XXXX ) I ended the refi and told them I would be going with someone else. The loan was not canceled it was sent to the underwriter. Because of this I was receiving emails urging me to long onto an account the I could never access in the first place to view non existant docs and even one saying since I hadn't logged in to view them they would be sent to my home again. I contacted the officer and begged nothing be sent, I heard no response and was told " we can not confirm nor deny there is a package with you information heading to your home ''. I filed complaints with PNC, 7 or 8 so far and on the XXXX of XXXX my refi was finally cancelled. This was after receiving mail that was telling me all that I had to get done before my XX/XX/XXXX closing. Not once have I recieved my callback in 24hrs like PNC promises. I made at least 10 different calls, waited on hold, and was told the issue was resolved. Currently, I am awaiting a call back from the representative handling the case. I last spoke to him on the XX/XX/XXXX where he had told me about the underwriter. I asked that my loan be transferred to another back due to their negligence and refusal to resolve the issue. I was told this was unusual but he would try. I asked for a callback by fridayXX/XX/XXXX he said no, I asked for a callback in a week ( XXXX ) he said he would try his best. It's now XXXX and I haven't heard. Throughout this process PNC has been unprofessional, dismissive, and down right rude to me. Like leaving me on hold for 5 mins, checking in, the 5mins of hold to tell me the dept I needed to speak to was closed. This entire ordeal has cause me tremendous stress about identify theft.
Product: Debt collection

SPRINGOAKCAP ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX {$5500.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with SPRING OAKS CAPITAL LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, SPRING OAKS CAPITAL LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.