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

My XXXX passed away and I found paperwork for an account with Santander Bank. I called to see if the account was active. They wouldnt let me know this. I have the account number and her SSN and DOB. They said at a branch I could get this info but the closest branch is XXXX miles away as I live in Florida. I spoke to XXXX XXXX. He wouldnt help with anything and told me a manager would not even speak to me to try and resolve. XXXX  - call center manager did speak to me, she was unprofessional and hung up on me. She wouldnt share her title, her location, her id number, her location or other information. She was the rudest person Ive ever spoken to. I never did get the answer to my question on weather my aunt has an account. They wouldnt provide an address or email address to get an answer to this question. They clearly do not want to release any funds she may have had. This is a violation of policy to not want to release death proceeds. They wont even get me an answer if she has an account with thier branch.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant FCRA that you, the TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two secure credit cards opened at XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX on XXXXunder the account number ( XXXX ), a furniture loan at XXXX XXXX XXXX Simple on XXXXunder the account number ( XXXX ), and a collections account at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1500.00}, that appears to be related to XXXX mobile phone company. These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or inquires as reported. The aforementioned accounts, collections, and inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and inquiries are the result of identity theft and fraud ( XXXX ). I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aformentioned accounts, collections, and inquiries the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items below, but the bureaus have not removed them or proved validation.

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX Account Number XXXX XXXX
Product: Checking or savings account

CHIME Mobile BANK ACCOUNT - otherwise known as XXXX XXXX Account Number Ending in XXXX Claim ID : XXXX Unauthorized Transfer Reported XXXX Claim Amount {$1200.00} I have reopened this claim multiple times, as I DID NOT INITIATE this transaction. I do not know who this person " XXXX '' that took {$1200.00} from my bank account. In America, this is defined as FRAUD, I received this information from my attorney : Transactions not made by you or anyone authorized to use your account are fraudulent, and federal law protects your money. Banks must refund you!
Product: Money transfer, virtual currency, or money service

For over a month I was having problems with my Venmo debit card not working at all. Every time I would enter it in somewhere online it would say invalid card which I kept letting them know and never getting it resolved. Finally they cancelled the card and told me they would issue a new one, and then turned into they couldnt issue it and I needed to order it myself on the app, but constantly getting errors and it not working which contacted them over 15x about also. So the only option I had to use my Venmo account was to make transfers with the money. I transferred money into my HUSBANDS AND MINE BANK ACCOUNT, and right when I made that transfer they froze my account. They then asked for my ID, which I already have them over 20x when trying to get a new card, but sent it in anyway just for them to say I violated community guidelines and they were cancelling my account. Which was okay and fine, after all this I will NEVER use anything with them anymore and letting all my family and friends not to also, because all the money in my account which is XXXX, XXXX is from reputable direct deposits and is from taxes. Literally for the five years that I have had my Venmo account money that has gone into it has ONLY been from direct deposits and showing exactly where the money comes from. There has NEVER been any other source of money so for them to freeze my account and not release my funds is completely absurd when all I did was a transfer to OUR BANK ACCOUNT!!! Which isnt over seas, out of country, literally nothing suspicious about it in anyway. Literally going back and forth with them for almost a month and they will not give me any information, and will not answer ANY question I have. All they keep saying is they have came to their decision and cant change it, when all I want is my money out of the account, when because of all of this it has put me in XXXX worth of debt and has left my children and I homeless because we needed our tax money to live. We have been in this pandemic and I havent been able to work, that SO many Americans are in the same boat and for them to just steal our money and not release it is not okay. I literally have done everything I possibly could and cant get anywhere with them and I am just at a complete loss without my funds. My children are literally homeless because of this happening and I am so broken and lost with them doing this to me for NO reason. They emailed me today saying that my Venmo debit card was cancelled, when I have been fighting with them for well over a month to get a new card, and the debit card wasnt issued UNTIL they already froze my account, that i never even got the debit card they cancelled which is why I had to make transfers in the first place because I couldnt get access to my money any other way, and then they penalize and wont release my funds because of it!!!
Product: Credit card or prepaid card

My name is XXXX XXXX and I own a Barclays Master Credit Card number ending in XXXX. 

On XX/XX/XXXX, I received an SMS alert on my number XXXX to approve a transaction from XXXX. I accidentally approved it. After approval, I logged into the mobile app and noticed that this was a fraudulent transaction. Also, there was a transaction from the XXXX store at the same time. 

I immediately noticed that I wasnt in possession of the card. I called customer service on XX/XX/XXXX and informed them that all of these transactions were fraudulent. I asked the customer service agent to cancel all of them, including ones from XXXX and XXXX stores, while these transactions still were in a pending state. Subsequently, the customer service agent promised me that all of these transactions will be reversed. Then they closed my card and issued me a new one. 

Today, I noticed that the XXXX  transaction for {$350.00} was posted to my account. I called customer service about this issue. They responded that they have no record of my card reported as being stolen. They refused to reverse the XXXX  transaction or put it on hold until the issue can be resolved. 

I would like to have the XXXX  transaction for {$350.00} be immediately reversed and the amount credited back to me because it was unauthorized and fraudulent. I informed the Barclays team immediately that it was fraudulent. 

I can not afford to pay this amount and I am afraid that if I don't pay this then my credit will be severely impacted.
Product: Mortgage

I am making against BBVA. My father obtained a HELOC in XXXX when the bank was called Compass Bank. He paid the loan off completely, but the bank failed to properly close the account and release the lien. My father and mother were unaware of this until recently. My father passed away in XXXX. Now, my mother is trying to get another loan with the house as collateral. We found out that there is still a lien against the house during the application and closing process. She can not close on the new loan until BBVA releases the lien. I called BBVA probate department approximately one month ago. They confirmed that the HELOC my father obtained in XXXX was completely paid off. I requested that they properly close his account and submit a lien release. I submitted all the requested paperwork immediately. However, they still have not closed the account or released the lien 6 weeks later. I have called back serval times requesting an update. I filed a complaint last week with BBVA customer service. Customer service assured me that the problem would be resolved within 72 hours. I called customer service again today in order to follow-up, but no body is taking responsibility. I keep getting transferred to another department or hung up on. Every time I speak with someone, they say they do not handle this particular problem. The client care solutions department has not been able to figure out who I am supposed to talk to. I have requested to speak to a manager, but the representative says they are not taking calls or they are not available. If the client care solutions department can not handle the problem, then I have no other recourse. I do not live near a physical branch were I can submit a complaint. I have no way of getting my problem solved. Therefore, I am submitting a complaint in the hopes that you can investigate BBVA 's failure on multiple levels. First, they did not close the account properly and never released the lien when they should have. Second, it has been 6 weeks and they still have not resolved the issue or been able to give me an update or estimated time in which it will be resolved. Third, even though I submitted a complaint, the client care solutions department had not taken responsibility in solving the problem. Fourth, I have been unable to speak to a manager every time I requested to speak to one.
Product: Credit card or prepaid card

My name is XXXX XXXX. I applied for a mortgage refinance recently and was sent a copy of my credit report and noticed that my credit score had gone down and that there was one negative fraudulent report for a Chase Credit card that said the account was closed and there was a charge off because of no payment with 2 amounts of Balance {$280.00} and Past Due of {$230.00}. I have never had a Chase credit card and any charges associated with this account are not mine. 

I called over a month ago and inquired about the account and they said they would send me a copy of all transactions associated with the account. When I was on the phone they had an address XXXX XXXX XXXX XXXX / XXXX, TX which I have n't lived at since XXXX. Date the account was opened XXXX/XXXX/XXXX and date Chase reported to credit reporting agencies was XXXX/XXXX/XXXX. As of today I still have n't received anything in the mail and I gave them my current address of XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX, Utah XXXX. I tried to get connected to a supervisor or manager which I was denied. I called again today and requested information again. The card number with the fraudulent charges is XXXX. XXXX XXXX / XXXX. XXXX XXXX / XXXX, DE. XXXX / XXXX. 

Any help would be greatly appreciated and I would just like talk to a manager or supervisor with Chase to get this resolved. My phone number is XXXX or email is XXXXXXXXXXXX Thank You
Product: Checking or savings account

In XXXX of 2018 my checking account at Chase Bank was affected by fraudulent activity. I had filed a claim with the bank and received a temporary credit of {$3500.00}. I was told that the claim was denied, however the investigation was reopened and the claim was approved and the transactions were fraudulent. Chase then mistakenly issued me a second check for {$3500.00} for the fraudulent activity. I effortlessly tried to get the second check back to them with no success and ultimately told them to cancel the check to avoid any accounts going into colllections. I received a call today stating that my account was in collections for {$3500.00}. Spent hours on the phone and in the bank trying to resolve the issue. Each person has something different to say. When I spoke to claims she agreed with my situation, collections then told me their claims department was wrong. I attempted to cash the check to pay of the balance of {$3500.00} to rid myself of the problems and the check is cancelled so I cant settle the debt. This debt is a mistake from chase for paying me out twice and the cancelled check should have ensured that the account should not have gone negative, having chase only paid me once. Now chase is seeking {$3500.00} and cancelled the check for {$3500.00}. They made the mistake of paying me twice, I tried to resolve and now Im in collections. Theres a previous cfpb complaint proving the above statement.
Product: Checking or savings account

I have held an account with Brink 's Money prepaid mastercard or better known as Netspend for several years. I recently added a secondary cardholder to my account. The secondary cardholder who was not related to me or a spouse deceased and as a result Brink 's Money ( Netspend ) closed my account and removed my ability to access the funds within the account. I have contacted Brinks money several times trying to regain my access to the account. I have submitted documentation requested by Brinks money in an effort to regain access to the funds in my account however the company has continued to refuse to provide me with the balance of {$21000.00}. The last time i contacted Brinks money was on XX/XX/2021 and the representative stated that because the primary account holder was deceased that it would be impossible to receive the balance. I explained that I am the primary account holder and that I have not deceased. I was advised to contact the Social Security Administration to rectify the situation. On XX/XX/2021 the SSA confirmed all their records and verified that no such notice was sent to any financial institution. Netspend is attempting to steal XXXX of dollars that I am entitled to and that belong to me. I have tried working with the company however they fail to provide me with my money. As a direct result of this financial institution I am suffering hardship. I followed up and called Brink 's Money on XX/XX/2021 and they clarified that since the secondary cardholder had deceased that my account was permanently closed. They also stated that the remaining balance would not be remitted to me although I am the primary accountholder. This is unfair, unethical, and theft.
Product: Credit reporting or other personal consumer reports

Ive been trying for months to get Experian, Equifax and TransUnion to remove fraudulent accounts and unauthorized inquiries from my credit report, but they keep refusing, despite multiple dispute letters and supporting documents.

These errors are causing me major stress and financial harmIve been denied credit because of them. The credit bureaus claim they " verified '' the accounts, yet they provide no proof.

Im asking the CFPB to step in and make them : Delete the fraudulent accounts and inquiries immediately. Provide proof of how they verified these items. Ensure they comply with the Fair Credit Reporting Act. I need this resolved ASAP to stop the damage to my credit and peace of mind. 

Thank you.
Product: Mortgage

I am at the end of my loan where my payoff is less than 1/2 of a normal monthly payment. But the mortgage company will not take any payment except wire transfers, cashiers check, or title checks. If I do not make my payment by the late fee date, they are threatening to charge me an excessive late fee ( 15 % of my payoff amount ) while refusing to accept any normal payment method ( ACH/Pay-by-phone, mailed check ) even though they are already holding more funds in my escrow account then the full payment on the loan. This forced me to go to my bank and pay wire fees to avoid the excessive late fees. Also, upon payoff, the bank charged me recording fees and a release fee. These unavoidable fees plus the cost of obtaining secure payment for the final payment are not disclosed anywhere in my contract. Since they are unavoidable costs of the loan, they should have been included in the cost of the loan and APR calculation in conformity with the Truth-in-Lending Act ( TILA ). Plus, forcing the consumer to wire funds that are for a minimal amount and charging a late fee in excess of what is specified in the contract are unfair and abusive acts.
Product: Debt collection

This account is the result of identity theft that was carried out by my mother. I have discovered that she had been opening accounts in my name for nearly 20 years. Though I do not know when this started, the first fraudulent account was opened in XXXX of XXXX. The latest was opened XX/XX/XXXX. I have a special needs condition and that is how my mother was able to use my information without me knowing. Now that she has passed, I am trying to clear these fraudulent accounts from my credit report. So far accounts are being removed, but Capital One refuses to remove the 2 accounts. I have completed an ID theft affidavit that was notarized, and police report because that's what was recommended to me. I then sent this to the credit bureaus and the companies directly in XXXX of this year. Capital One claims they found no signs of fraud and they will not remove the accounts. After everything I provided them, they still refuse to help me.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Debt collection

Someone from the compa ny Oracle Financial Group LLC is  calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
Product: Money transfer, virtual currency, or money service

I was trying to send money to a person via XXXX through Ally bank. Ally bank immediately blocked my XXXX account without providing a reason, and Ally customer service gave me a runaround with specialist until I gave up. 

I used my XXXX account with XXXX to transfer to the same person and it went through without any problem.
Product: Student loan

This account was added back to my credit report after being deleted i can not afford to pay this loan currently not working
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, TransUnion and Experian CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.
Product: Debt collection

Navient has called me at work over five times in total. After the very first call, I made it clear to the representative on the phone this type of communication is prohibited by my employer and they are not to call my work number. I then gave the rep my personal number, verified my address, and gave them the best time to contact me. This first instance was over a year ago. 

In this month alone I have received XXXX more calls from Navient at work. I received a call on XX/XX/19, XX/XX/19 ( the rep hung up when I answered XXXX, and again today on XX/XX/19. On the XX/XX/XXXX call, I reminded the rep that my employer doesn't want me taking these calls and could lead to trouble. I again gave them my number and best times to call. The person on the phone confirmed that they would use my given method of contact to communicate with me in the future. 

During the prohibited office call today, I asked the rep immediately if there were any notes from my XX/XX/XXXX discussion with them. They noted everything that was discussed on XX/XX/XXXX except for me telling them not to call me at work. This is utterly ridiculous. I would've hoped that after explaining to the Navient reps that calling me at work is strictly prohibited that they would stop. This has not been the case. 

I am attaching a signed document that I have faxed to Navient tonight stating that they are only authorized to contact me at the address and number listed.