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

I, XXXX XXXX, have a checking account through XXXX Bank at XXXX XXXX XXXX. XXXX XXXX, XXXX, DE XXXX, website XXXX. I have a checking, credit card and savings account in which my direct deposit from XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, Bancorp Bank through my XXXX Account allowed XXXX XXXX to take {$270.00} and XXXX XXXX to take {$69.00} from my checking account. My debit card and credit card both had their cards replaced and neither merchants have my new information. Bancorp Bank through XXXX are allowing these two merchant to submit information and accessing my money with neither merchants having my new information nor rendering goods and services to me. I did not received any services from XXXX XXXX since XX/XX/XXXX and XXXX XXXX since XX/XX/XXXX. I contacted XXXX Bank through XXXX  on XX/XX/XXXX and a representative told me I could not be assisted due to Bancorp Bank through XXXX is being monitored in XXXX. When I went to XXXX XXXX last XX/XX/XXXX, I gave them my credit card. Why Bancorp Bank through XXXX are allowing this merchant to take money from my checking when this merchant do not have any information on my account that has been changed through Bancorp Bank. I called again this morning and the representative told me the call center where he is located is in the XXXX. How can Bancorp Bank allow American Consumers, who vote and pay taxes to be monitored outside the United States of America? How can Bancorp Bank be this FOUL OF A BANK TO ALLOW AMERICAN CITIZENS WHO VOTE AND PAY TAXES MONEY TO BE ACCESSED BY ANOTHER COUNTRY. The representative told me they could not refund my money. How can Bancorp Bank allow merchants to steal American Consumers money?
Product: Mortgage

To whom it may concern, I am submitting this complaint to inform the CFPB and Executive Leadership at BBVA on the horrible experience I received with my mortgage loan that settled XX/XX/2020. My wife and I were misled from day 1 during our initial discussions with the loan officer which has resulted in financial harm.

Here are the facts of the complaint : 1. We began discussions with the mortgage officer in early XXXX  as my wife and I were actively looking at properties. At that time, my wife disclosed that she was a XXXX XXXX and that our desire was to use her commission towards a portion of the down payment so that I didn't have to sell stock and take short-term gain which would have a significant tax burden. Further, we had discussions that if we couldn't do it then we would lower the sales price less the commission offsetting the taxable income. The loan officer assured us that they do this all the time.

2. The application was completed in mid- XXXX where we again expressed our desire to use my wife 's commission towards part of the down payment. And again, the mortgage officer said no problem ( we have emails to this regard ).

3. During the underwriting process, we were asked for a gift letter from my wife gifting her commission to me as i was the only borrower on the loan. This which was provided as an underwriting condition.

4. The day of closing we find out during final underwriting review that we couldn't use my wife 's commission. Thank XXXX, I had already sold some stock and had the available funds to close. If I wouldn't have we would have missed escrow breaching the contract and causing downstream impacts to the sellers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , XXXX XXXX XXXX and Equifax are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I asked for verification of the debt owed to Thunderbird Collection ( because I have no idea what they are talking about ) years ago and have never received anything but continued threatening calls. Eventually I asked them to cease and desist further communication with me and they started calling my XXXX XXXX  mother and telling her I have a bogus debt and threatening her as well. This has to stop!
Product: Checking or savings account

On XX/XX/2018 I opened and account with BBVA compass bank because I received an offer and I used to have this bank in the past in PR wihtout any problems. 
Apparently this bank dont have people receving email and responding on time. Everyone speaks XXXX and they always are appologizing fo rthe delay of responsees for weeks to months. 

I had a payday loan coming over to be paid and since the first time this bank incurred me on overdraft that today are over {$520.00} and they do not want to refund the money. this bank is playing with all electronic debts of the clients charging you {$38.00} in advance of the electronic transaction not once they do it twice without the client I am paying noticing and they have not telling them. They are arranging the system to overdraft you in advance of the transation. I have had several transactions and having the money, they only overdraft me, after that overdraft, the transactions entrer and then I incurr in more than one overdraft for them and also for the companies and as well they also make you a second overdraft. 

There was a transaction coming over for XXXX to verify the account and I had money on the account and the overdrafted me for several cents I had to argue on the phone for them to reverse me my money which was twice and after that since then, everytime there is an electronic transaction they overdraft you in advance making you to get in more overdrafts when your money is already there. BEsides that I incurred in over fee payments with the payday agency due to their overdraft. 

I am only receving unemployment benefits and this bank is getting all my money. I moved to Florida and they do not have any branch in my zip code or near it ( XXXX ) it is imposible to make a deposit online either and I used to have the option but they were taking almost a month to make the deposit availble and continuing with the overdrafts. Today I am in need of making a deposit and they do not have my option availble so i could not make any mobile deposit. I also tried to registered several times for the supposed BBVA Compass rewards points which I have not had the benefit and I can not  becuase I do not have the option either so I do not get back or I do not participate in rewards everytime I use the card for gas, nothing is availble, they do not want to reverse the charges and they tomorrow I have another transaction which I was counting on becuase the moeny was there and they overdrafted the account again. Supposedly I have the overdraft protection which they dont even pay the amount. I have been trying for months to resolve the issues with them and nothing. The emails I receive from them is to contact them on the phone and when I call is never the right department and they continue transfering the call. There has been a lot of emails to them form my part and they do not respond on time and only appologize for late response, do not help with anything.
Product: Checking or savings account

A Checking account and 2 separate Savings accounts were opened in my name at XXXXXXXX XXXX, my social security number was used, but not my full legal name, and false addresses were created .This all occurred between XXXX and XXXXThe person or persons then deposited checks that were not good, but before this was found out by XXXX XXXX, they made multiple ATM withdrawals, agai st one of the Savings accounts, which resulted in a {$3200.00} debt owed to XXXX XXXX In addition, a NOW card from XXXX was activated under my name. I was unaware of any of this until contacted by a collection agency Convergent. I have now worked with XXXXXXXX XXXX and completed a Fraud Report with their collections department and an Idenity Theft Kit and provided proof of my real identity and address at a local bank site with XXXX XXXX a Branch Manager, who guided me to report this Fraudulent act and Idenity Theft to the FTC.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone used my credit to take out a apartment lease in my name. I have never lived at a apartment complex by the name of XXXX XXXX XXXX  and this is being reported under my credit report rental history for Equifax, XXXX and XXXX. The eviction was filed on XX/XX/XXXX. Recorded and reported date shows as XX/XX/XXXX at XXXX XXXX magistrate court. I have reported this information to the XXXX XXXX police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Debt collection

To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please provide accurate and verified information for each claim, as the allegations are not true, or I'll delete them immediately if that is indeed the case! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /   2017 - App roximate Dispute submitted to Experian regarding   XXXX   XXXX   ACCOUNT on credit report, acct  XXXX       XXXX   XXXX , 2017-Experian responded that the account had been UPDATED, per Credit Report #  XXXX , as follows : Results Back to top How to read your results Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute.   Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you.   Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items  XXXX   XXXX  Account Number :  XXXX  .... Outcome : Updated - Information on this item has been updated. Please review your report for the details.    XXXX   XXXX  Account Number :  XXXX  .... Outcome : Updated - Information on this item has been updated. Please review your report for the details.     The alleged creditor claims that they no longer owe the debt, and it was SOLD TO ANOTHER lender, but the debt continues to be owed to   XXXX   XXXX   XXXX  .     THE CREDIT REPORT RECEIVED FROM EXPERIAN DID NOT UPDATE THE CREDIT INFORMATION AS CLAIMED IN THE REPORT I RECEIVED. REPORT #  XXXX , INVESTIGATION ID  XXXX . THERE IS NO UPDATE TO THIS ACCOUNT ON THIS REPORT.     ALSO   XXXX   CLAIMS THEY SOLD THE DEBT IN THE AMOUNT OF {$4100.00}.   THE DEBT BUYER CLAIMS, FIRST, A DEBT AMOUNT OF {$4800.00}, THEN SUBSEQUENTLY CLAIMED A DEBT AMOUNT OF {$5200.00}, AND CONTINUES TO REPORT THIS INCORRECT AND FRAUDULENT DEBT AMOUNT.
Product: Mortgage

On XXXX XXXX, I called Navy Federal Credit Union in regards to relief from XXXX XXXX and was told that because I have a " VA Loan '' that they can only offer a forbearance rather than a deferral of mortgage payments. I feel that this policy discriminates us veterans, especially in such a time of need.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I paid XXXX in full for my student loans. XXXX refuses to report or update Experian that I paid my student loans in full. XXXX still reports that I haven't paid my student loans in full and Experian continues to display the outdated information in my credit file for profit. I disputed the information but I never got a decision from Experian and now Experian refuses to let me dispute anything in my credit file. Also Experian never sent me a " frivolous dispute '' notice. Presently when I contact Experian the Reps hang up in my face preventing me from disputing or asking for my credit report.
Product: Student loan

THIS UNIVERSITY US FRAUDULENT ADD TO BRING STUDENTS THEY PROMISE TO HELP YOU TO GET A JOB AFTER YOU FINISH BUT IS NOT TRUE WE ARE ALREADY TO MANY STUDENTS SCAM BY THIS SCHOOL BECAUSE THEY OFFER YOU A DEGREE AND WENT YOU GO TO APPLY FOR JOB THEY SAID THIS CERTIFICATE IS NOT GOOD AND THEY STACK US WITH A LOAN AFFECTING US WIT OUR CREDIT AND WITH NO JOB, AND I WANT THEY TAKE BACK THIS LOAN OR HELP MY GET A JOB LIKE I WAS PROMIS
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

XXXX, XXXX and transunion are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to XXXX, XXXX and transunion and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and transunion are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX account and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX  and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt.

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that XXXX, XXXX and transunion are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Debt collection

Discover account. They harass me and call family and friends of mine. They called early in the morning and late at night. They closed my account showing two late payments. I was never late. they told me payments were deferred due to covid -19. they refused to take my money. I feel as if they have discriminated against me. it has destroyed my perfect credit rating and i stand to loose thousands on an home purchase with escrow. These late payments need to be removed.
Product: Credit card or prepaid card

THIS IS A FRAUDULENT CARD/ACCOUNT! I, XXXX XXXX, DO NOT HAVE A CHASE XXXX CARD ( I'm not a coffe drinker ). SOMEONE HAS HIJACKED MY COMPUTER AND IS OPENING ACCOUNTS IN MY NAME. MY PHONE NUMBER IS XXXX i THINK THEY HAVE MY SOCIAL SECURITY NUMBER. THANK YOU, XXXX XXXX
Product: Credit card or prepaid card

I've contacted Synchrony Bank 3 times regarding my Musicians Friend credit card. I made an additional payment to my monthly minimum payment and asked Synchrony to apply the additional payment to a specific promotional purchase amount. They incorrectly applied the additional payment initially, even after confirming the correct promotional purchase. After I saw this was applied incorrectly a few days later, I reached out again and again requested that the additional payment be applied to the promotional purchase I had requested. Once again the rep said it was done but my online account was still showing the payment was applied incorrectly a couple of days later. I called again, got the same response, but I still show a couple more days later that it still has not been fixed. I feel like Synchrony Bank is actively trying to prevent me from paying off the promotional balance before the promotional term is due.
Product: Checking or savings account

I opened an account through Citibank 's online portal on XX/XX/XXXX. Soon after receiving my debit card and making a few transactions, I switched my direct deposit over to my new citi bank from my previous bank. Without notice on XX/XX/XXXX, Citibank blocked both my checking and savings account. When logging in to my account I could only see a message that read, " information for closed accounts is not available ''. 

Immediately I called CITI bank and was told my account had been referred to their fraud department where I was transferred. I was told by the fraud department that the account had been referred for closure and that there was no further information they could share, and promptly hung up on. I tried this a few times and got the same answer 3 times. I went to my local CITI branch and was told by bankers that there was nothing they could do as the online banking process operates separately from them ( which sounds very sketchy ). 

Without any information or way to access my account to find out where my pay from my job has gone, I'm stuck with bills and expenses in hand and am told by CITI I have to wait up to 60 days to receive any funds that I might be owed. 

Absolutely awful experience that's going to cost me more than I would have paid if I'd just stuck with my old bank. I feel very sorry I tried to switch to what was advertised as a friendly customer-centric bank and am now being told all of the funds I rely on day-to-day are going to be held XXXX for up to 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Equifax and XXXX to dispute several things on my credit report that are fraud. Ive also filed a report about my identity being stolen and they still wouldnt help. They refuse to remove these fraudulent accounts from my credit profile. 
The accounts are listed below XXXX XXXX for {$2600.00} XXXX XXXX For {$850.00} XXXX XXXX for {$450.00} XXXX XXXX for {$2700.00} XXXX XXXX  for {$730.00} None of these accounts are mine and the credit bureaus have been no help in getting them removed. I have repeatedly disputed them and nothing has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Product: Mortgage

I was misled by Quicken loans as to a FHA streamline refinance. I was told twice that there would be zero money needed to close or at most {$180.00} I even asked the XXXX XXXX XXXX how certain she was and she replied Very Certain!!! I have her emails stating this! Then at the last minute they say I need to bring over {$2000.00} to close!!!!!! Totally was lied to!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX / XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 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 instructions15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.