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

Hi, XXXX XXXX. 

First Midwest Bank. I tried opening an account on XXXX XXXX of XXXX. Tests deposits were made to my XXXX XXXX XXXX XXXX on XXXX XXXX of XXXX. 

Was not sure of opening the account. 

Decide to complete application on XX/XX/XXXX, of XXXX. 

I confirmed the test deposits. 

I called right away because it says I needed to provide by mail an Illinois ID and Signature card. Usually when opened account I just input my XXXX information and view disclosure and signed by clicking. Was not sure of it. Asked to close account. 

Money was taken on XX/XX/XXXX, of XXXX. 

I called again to confirmed officially that I was closing account and for them to send money taken to my funding source @ XXXX XXXX XXXX XXXX. 

Account was opened still by XX/XX/XXXX, I am getting mail letters from them of account opened with XXXX balance. 

Nobody seems to know where my money is. I had spoken to many people at their 800 customer service number and also different branches of theirs. 

I also went to First Midwest Bank branch @ XXXX XXXX XXXX, XXXX. They opened dispute and close it within 2 hours later. 

I need my {$300.00} Dollars. Back. 

Please help. 

Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found a inaccuracy. The 3 credit bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting account as unverified information without providing any proof within the legally mandated timeframe. The account must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Student loan

Back in 2001 I went to XXXX XXXX XXXX, I was taking computer classes I was there for three months and the loan company is still charging me XXXX which is the total ofthe whole year of college I was only there for three months. navient calls me to make payments. I'm on full XXXX due to XXXX  and XXXX. I tried to work with them and they won't help and I can't afford XXXX 's. I also don't feel that it's fair for me to pay the full amount then I wasn't there for the whole year of education I never got. Like I said I was only there for 3 months what do I do.? The other thing is 2 weeks ago someone called claiming they work for several attourny 's that are suing on class action to get rid of loans people were duped on like me. It has distroyed my credit for many years and still is. I can not pay and refuse to pay the full amount of a college loan. I can not afford it.
Product: Credit card

I did not apply for a credit card with Marcus by Goldman Sachs. I received a credit card statement in the mail with my name and address. I called various numbers and they refused to look up the information other than with my date of birth and social security number. I did not want to share my private information since I do not do business with this company and I have clearly been the victim of identity theft. They refused to transfer me to a supervisor, stated that they would not transfer me to their fraud department without my personal information and they would not give me the phone number for their fraud department. I should be able to report fraud with a copy of the statement I received from them and they refused. At this point the fraudulent account remains open because they refused to allow me to report the financial crime.
Product: Credit card

I received a credit card from Netspend complete with new card, routing number, and account number. I have not requested any new cards from any companies. I called them to try to find out about the card and the account. It took me over 30 minutes to get a live person to even talk to. When I told her my problem, she said that she could not give me any information since I told her it was a card I did not order. She would not verify if it was an active account or give any details. I asked to speak to a supervisor and was put on hold for over 20 minutes when the call was just ended. The number that they provided to you was not the same as the number listed on your website.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my XXXXdit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft, XXXX XXXX XXXX  has a fraudulent credit card on my acct. XXXX XXXX XXXX XXXX has a fraudulent loan on my profile and lastly XXXX XXXX XXXX is reporting a Fraudulent charge for someone unpaid rent. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, we applied for and received a home equity loan on a second home we built for {$250000.00} from CitiMortgage. 
In XXXX, we filed personal and business bankruptcy and had some struggles paying the second mortgage, In XXXX, we negotiated a settlement with CitiMortgage. The settlement was to reduce the loan amount from {$250000.00} to {$60000.00}. We received only a letter ( attached ) for the settlement. We have never received any terms or conditions. Over the course of the years since XXXX, we have missed some payments. 
We have asked for statements and none have been provided. 
We called them last year to learn of the payoff amount and it was provided with no indication of any issue. 
We are in the process of selling this home and called CitiMortgage and were told the payoff amount and then were told that the settlement offer was null and void. We have never received any notification of this action on the settlement. 
I do not understand how they can just say it is null and void with no notice at all??? 
I am attaching our original offer, their offer letter back to us ( XX/XX/XXXX ), a recent letter we sent regarding this issue, their letter back to us stating our offer was insufficient
Product: Debt collection

I started an account wit h TD Bank to  help rebuild my reputation with banks. Unfortunately I never received my statements. According to TD bank my account was closed due to no activity and charges were placed on the account by the bank in the form of fees. According to a letter supplied by  XXXX   XXXX   XXXX   Direct Line   XXXX . When I asked for Verification of Debt, which I have complete right to unde r US Code 15 USC ( Fair Debt Collections Pra ctices Act ) I was told "  XXXX . '' the gentlemen completely refused to of fer Verification of Debt. I  had no idea that this matter was outstanding, and that is demonstrated because I attempted to start a third account, it was frozen because I owed,  XXXX  on  XXXX  account and another account was  XXXX  dollars and that was forgiven. I only contacted this bank because I was going through my  XXXX  account and my   XXXX   to clean up any issues. I believe that the  XXXX  report may even state that this was paid, I will have to find that document and followup either way.
Product: Mortgage

I short sold my property on XX/XX/XXXX. During or prior to receiving the sale information, XXXX, acting as Attorney-in-Fact for XXXX XXXX XXXX, submitted a motion for summary judgement ( with a fraudulent affidavit ). XXXX XXXX XXXX approved this judgement with judicial sale date of XX/XX/XXXX.  This date has been changed a few times and is now scheduled for XX/XX/XXXX. After I submitted a previous complaint to the CFPB on XX/XX/XXXX ( XXXX ), my attorneys received the short sale approval letter from XXXX on XX/XX/XXXX. After complying with their requirements for closing, they included an affidavit which required buyers and sellers signatures. I have attached the affidavit here, The 2nd paragraph has a line saying '' the servicer ... .agrees to accept less than the amount owed to resolve its Loan ( pursuant to a separate agreement between the servicer and the seller ). I do not have any separate agreement. Also, in # 10 on this affidavit, '' each signatory to the affidavit agrees to indemnify XXXX and the investor ( supposedly XXXX XXXX ) for any or all losses resulting from any negligent or intentional misrepresentation including, but not limited to repayment of the difference between the amount owed on the loan and the discounted amount payment. '' I questioned why I do n't have the agreement they referred to in the second paragraph and why # 10, they were referring themselves to XXXX. They now have told my attorneys they will change the wording so it will say XXXX as attorney-in-fact for XXXX XXXX XXXX. I still do n't have the agreement that was referred to, which I believe would be the release from liability. Now the buyers have been waiting since XX/XX/XXXX to close, we were ready last week-I had the home checked by the water department as required, paid the XXXX but XXXX will not provide the release from liability. The scheduled judicial sale is XX/XX/XXXX. If they ca n't provide a release from liability, we ca n't close on the house. I believe they are stalling again or plan to come after me for the claimed deficiency once the short sale is closed.
Product: Credit card or prepaid card

A XX/XX/XXXX letter I received from the credit card company stated they put this account in a XXXX XXXX and my new payment of {$39.00} would be due on the XXXX of each month until paid in full. I made the 1st payment for XXXX on the XXXX of XXXX. The 2nd payment I made on XX/XX/XXXX and the 3rd payment I made on XX/XX/XXXX, so I complied with their request for on-time payments only to find my account charged with a {$37.00} late fee for each month. I have tried to contact them to have this corrected and each time was told they would look into it but nothing has been done to this date XX/XX/XXXX and the late fees remain on my account. I have contacted company representatives for Collection Specialist on XX/XX/XXXX twice, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX twice talking to collections supervisor XXXX only to get the same answer " I'll look into it '' and that's as far as it gets. The Single Point of Contact is XXXX XXXX and his # is XXXX but he has never returned my calls either but I have talked to XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( twice ) XXXX, and finally XXXX, collection supervisor @ XXXX They all might " look into it '' but that is as far as it gets. Along with the {$37.00} late fee they even tack on about {$6.00} in other fees.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX, XXXX, TransUnion and XXXXXXXX XXXX XXXX XXXX XXXX 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 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting items that violate my rights as a federally protected consumer. XXXX  bal. {$1100.00} Acc. no. XXXX : XXXX XXXX bal. {$510.00} Acc. no. XXXX ; XXXX XXXX bal. {$420.00} Acc. no. XXXX
Product: Credit card or prepaid card

I previously had a Citgo Rewards Card through Synchrony Bank. The issue began on XX/XX/XXXX when my first payment of {$92.00} was due. Having previously provided account information and setting up auto pay, I believed the payment was made. On XX/XX/XXXX, I was notified by Synchrony Bank that the {$92.00} payment was returned due to " Insufficient Funds. '' I immediately contacted my bank XXXX  XXXX XXXX XXXX by telephone who advised me that the funds were in the account. I contacted Synchrony Bank by telephone directly after speaking to my bank. The customer service agent informed me that they attempted to pull a payment from a savings account which was returned. I advised them the payment was to come out of the Checking account. I also transferred the {$92.00} payment from my Checking account to the Citgo Rewards account. I was told there was nothing they could do. The agent got extremely argumentative and very rude. I called XXXX  XXXX XXXX XXXX and after speaking to them, they gave me an account number that is directly linked to my checking account number in order to resolve the issue. I immediately called Synchrony Bank back and provided them with the new account number. At this point, I believed the problem was resolved because there was no further issues until XX/XX/XXXX. On XX/XX/XXXX, I made the minimum payment due on the Citgo Rewards account in the amount of {$29.00}. On XX/XX/XXXX, I received a letter in the mail from Synchrony Bank stating my account was closed on XX/XX/XXXX due to 2 returned payments. I immediately contacted Synchrony Bank by telephone advising them that I have proof of payments and again was told there was nothing they could do. I was informed that this was my problem and not theirs. On XX/XX/XXXX I requested proof of debt due to the damage Synchrony Bank had done to my credit report with their negative remarks they reported to the credit reporting agencies which I have attached the supporting document they provided to me on XX/XX/XXXX. I also questioned why an account which was closed on XX/XX/XXXX had a purchase on XX/XX/XXXX to which I have not received a response yet either though Synchrony Bank continues to assess late fees to me. I have also attached supporting documents that prove both payments which Synchrony Bank claims were not paid were in fact paid. I have made numerous attempts to resolve this matter with Synchrony Bank and have spoken to many customer service agents though Synchrony Bank refuses to cooperate and customer service agents repeatedly tell me there is nothing they can do. I have spoken to XXXX XXXX, XXXX XXXX XXXX 3 times ), XXXX XXXX and a woman named XXXX who refused to provide a last name or agent ID number. I also left a voicemail for XXXX XXXX who sent me the letter on XX/XX/XXXX stating my account was closed. XXXX stated in the letter " I welcome the opportunity to assist you '' yet she has not returned my voicemail. It is now XX/XX/XXXX. It has been nearly 6 months since I left her a voicemail with no response.
Product: Credit card or prepaid card

On   XXXX   XXXX   my wallet got stolen out of my wallet on camera at  a Restaurant in    XXXX   XXXX  California. When I couldnt pay my bill cuz I had no wallet I immediately shut off all my cards and called the police as the bartender went into the back to review the security footage as she had remembered a suspicious man sitting next to me.. Police Report was filed , officer   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX  ) .On   XXXX   XXXX   the day after I turned off My prepaid California Child support  card wit h EPPICARD they allowed {$5400.00} in transactions to go through. When I realized this happened I immediately disputed the transactions as  Fraudulent  on   XXXX   XXXX  . Based on the disclosures and notices on EPPICARD i was to have been notified within  10 busi ness days if an error had occurred. I called EPPICARD on   XXXX   XXXX   to question what was going on with the investigation and was told I needed to mail a incident report that they had not yet sent me, SO I create d one, includ ed the police report etc and faxed and mailed a copy to EPPICARD and still today  18 business days after I reported the Fraud,28 B usiness days after I reported the card stolen I have still not heard anything from EPPICARD  XXXX  nor have they contacted the  officer in my case and they are still holding my money hostage ... and to add insult to the injury when I called again this am to follow up, was told they co uld hold my money " while they investigate '' for up to 90 days ... ...??!!!!??!!! Not only did their system not see that the transactions in question were completely out of character with how I use this child support card and not flag it and turn it off like ALL my other cards did but they have made no attempt in all this time to contact me nor assist me with resolving this situation. This EPPICARD prepaid  MC ser ves states who issue child support to mothers across the country who need their child support to live and feed their children and this is absolutely unacceptable handling issues that these special cardholders have.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXXXXXX 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/year> These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

Debt of {$110.00} was from XXXX and paid in XXXX. I have receipts from both the medical office and my bank. The medical office said at time of payment that the bill was resolved and would be removed from my credit history ( bills were sent by paper mail only to an old address ). The debt agency is now contacting me multiple years later claiming it wasn't paid. I called the debt agency, and they told me to file a dispute by email. The email they provided was fake.
Product: Bank account or service

Had XXXX left yesterday .then same day last night had XXXX then this morning .now XXXX cents.someone is stealing my money.i want it back.now.that money was soppose t pay for my doctor or phone bill that was left.im on a fixed income n im n a terrible times.my doctor visit for a XXXX future XXXX is XXXX dollors.help.i tried to call bank.n cant get though.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a 2009 XXXX XXXX with my son. He was arrested and the vehicle was seized. I worked with the states attorney and credit acceptance to get the car back and obtained approval from credit acceptance to reduce the payments from {$460.00} to {$300.00} which I have been paying monthly and sometimes twice per month. I recently was made aware that the car was out for repossession before it was seized because my son did not make his payments but once it was seized the repossession stopped. Credit acceptance is stating that the payments are being reported as 120 days late each month because of the prior repo order. I am being told there is nothing they can do even when I am current on my payments because the car was up for repossession at one point which made the entire loan due. I was never told this when I renegotiated the payment amount and this is effecting my credit score drastically. I have tried to call a manager but no one has returned my calls and the representatives are rude when speaking to me. My payment history proves my on time payments and the letter I received when lowering my payments never speaks about The entire loan being due. Please look into this matter as I believe this is an illegal and unfair practice.
Product: Checking or savings account

The bank associate closed the wrong account in XX/XX/2019. The same day the associate informed us that the account reopen request was put in the same day this occured and that to wait for the account to be turned back on. This did not occur. The bank now says they cant put everything bank to the way it was. Isn't this fraud? I did not request for this account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request assistance in updating inaccurate account information and removing unauthorized user accounts from my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ). I have identified errors in my credit reports that are negatively impacting my creditworthiness and financial opportunities.I have discovered inaccuracies in the account information reported XXXX  account # XXXX, XXXX  account # XXXX my credit reports. The inaccuracies include [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. These errors have led to an unfair assessment of my creditworthiness and have affected my ability to access credit on reasonable terms.Furthermore, there are authorized user accounts listed on my credit reports that do not belong to me and are inaccurately reflecting my credit history. These accounts are not mine, and their presence on my credit reports is misleading potential creditors and lenders.

Thank you for your assistance in this important matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Yet, again, CHASE BANK is unwarrantedly holding deposited funds for an extended, unreasonable period of time. In 2024, it does not take two weeks to confirm funds. They even hold deposits of secured funds such as United States Postal Service Money Orders. These documents are considered cash. 

Separately, their phone representatives are unprofessional, speaking with rude tones and comments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX - Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # 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: Debt collection

They will call but wont give me information about the debt until I give them personal information to authenticate myself. Im not giving personal info over the phone is what I say and I say youll have to send a bill. But its on my report and its from XX/XX/2018 it says. Shouldnt it be removed bc its medical and less than XXXX dollars anyway? Regardless I do t even know for sure its mine.