23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

Company reporting fraud account to my credit bureau as accurate when it is an identity theft account. Company started my social security number different than the one they have or pulled for the card. This has been nice by Equifax several time and. This company verfies this account belongs to me but refuse to give any information or produce a 1099 for this fraudulent charge off. Company verifies that my social security number is different than the one they have.
Product: Checking or savings account

On XX/XX/2024 I used an ATM owned by XXXX XXXX XXXX XXXX XXXX location to withdrawal money. On my last withdrawal transaction, the ATM machine did not dispense the {$400.00} I requested but still withdrew it from my account. XXXX has been called and the dispute has been escalated. Chime Mobile Banking also has denied my dispute and when I asked them for the specific documentation used to make the decision to deny my dispute, they would not.
Product: Mortgage

In XXXX of 2015 Nationstar Mortgage LLC who is servicing the loan on my home in California notified me that my flood insurance, which was for more than the amount owed on my home was insufficient. I was required to obtain flood insurance for the replacement cost of my home at a cost of over 133 % of the original premium. Nationstar threatened to place forced insurance on my home if I did not insure it for more than 3 times the amount I owe on the mortgage.
Product: Debt collection

Validation Request XX/XX/XXXX  Account # XXXX To Whom It May Concern : I paid for one and received service for one month ; I don't understand how I owe a debt to XXXX XXXX XXXX With that being said, I'm disputing your claim and requesting validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with the above-requested proof. Upon receiving it, I will get back to you. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

After I filed a complaint with this agency over USbank not releasing my money in my closed checking account, they retaliated by closing my credit card account immediately. 

This account was a XXXX XXXX XXXX XXXX with a {$95.00} annual fee that I was charged to receive reward points but they are refusing to let me redeem the rewards points which has cash value and they also refusing to refund the annual fee that I paid for the credit card. 

Per USBANK manager over the phone, due to the way closed the account he was not able to apply my points to my statement, also not able to refund the annual fee charged for the account.
Product: Debt collection

I had service with XXXX XXXX in XX/XX/2019, not sure of exact dates. I used the services to work from home. I had multiple issues w/ service being interrupted for technical issues on their behalf which caused me to have to work in the office around end of XX/XX/2019. I called and called my service eff XX/XX/19 because I had new service installed by XXXX  on XX/XX/19. While my service was active at my residence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided by XXXX  I continued to receive statements saying I owed for services no longer being rendered. I called XXXX on XX/XX/19 and spoke with a supervisor by the name of XXXX who advised me I would only owe {$44.00} due to prorated charges they billed me for services thru XX/XX/19. I received a collections letter for {$88.00} which is not correct. I disputed these charges by phone on XX/XX/19 and received a letter from CPA ( collection agency ) stating XXXX is still saying I owe the said amount of {$88.00} with no proof or validation of how I owe that amount when I had services with another provider at the time they are accusing me of using their services. I terminated my services with them as of XX/XX/19 and do not owe the amount they are requesting.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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.

In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX CHILD SUP 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 In accordance with the Fair Credit Reporting act XXXX  XXXX XXXXXXXX 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

Say I owe a apartment debt the social dont match my socials so they have to remove it from my credit report due to incorrect information
Product: Payday loan

This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}.
Product: Mortgage

Triad Financial Services is a lien holder on my manufactured home. Triad did not pay my property tax on time ( missed payment of XX/XX/year> ). Now, I received a Delinquent Tax Due with penalty on it. I left a message online to Triads on XX/XX/XXXX asking for the reason and when Triad would pay for my tax, but I got no response. I have tried to call Triads Financial Services 2 times on XX/XX/XXXX and XX/XX/XXXX. On the first call, Triad told me to wait and it's under investigation, they will pay out my tax soon. Second time, Triad told me to email the Delinquent Tax statement to XXXX, and they will pay out my tax when they receive it. I followed and emailed Triad on XX/XX/XXXX, but still received no answer or response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Checking or savings account

Someone tried to cash a check fraudulently on my checking account.

My account was frozen, the check was flagged and returned. It was fully investigated. I was told by a fraud representative that my account would be available in 10 minutes. It was not, 24 hours later Im stilling trying to find out why. They wont tell me why.

I am a very low income individual. During this my paycheck was direct deposited and they took the entire paycheck and over-drafted me {$120.00}. Again, this {$700.00} was never actual. I never had any access to it.
Product: Mortgage

Nationwide Biweekly Administration. 

I signed up for the service and paid an enrollment fee of {$990.00} only to find out that after two months of enrollment the program claimed to have lost their bank and my account was suspended. I believe this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated these accounts 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 Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}
Product: Mortgage

Dear CFPB, This complain is about follow up of the complain that was filed by me on XXXX summery, my mortgage and heloc was servising by XXXX XXXX XXXXXXXX XXXX XXXX ) and after FOREBRANCE ended after covid i applied for modification and my both loans ( Mortgage and HELOC ) was approved for modification at rate of 2 pecent for life of the loans both.but after i was ready to sign and return the document, XXXX advised me that they sold or transffered the loans to SELENE.THEY SAID THAT THEY WILL TRANSFER THE DOCUMENT TO SELENE AND SELENE WILL HONOR THEM.and i shoud contact them after XXXX or XXXX OF XXXX AND I DID. 
Thy said they havnt recievd it yet .i called so mant times and finally they said i shoud apply for modification since because of so much money past due they may start for foreclosure.I applied for both loans and they honored only the HELOC at 2 PERCENT .BUT THEY DD NOT HONORED THE ORIGINAL MORTGAGE.I complained and the rep. said they must honored both .and i had to apply again, they approved but with rate of 5.5 percent.i made so many calls but they ignored and been forced to pay over {$1000.00} in interest every month since XXXX XXXX.me and my husband diagnosed by me XXXX  and my husband XXXX  and both had a hard XXXX XXXX XXXX. 
selene asked for 60 days to provide info. they provided wrong and false result.my both loand was approved for modification at 2 percent by previous motgager and i have all the info and document to proof it.Dear CFPB, PLEASE ASK SELENE TO HONOR THE APROVAL ATHAT WAS TRANSFER TO THEM.TTHEY BEEN MAKIG FASE INF TO YOU AND THEY MUST BE HELD ACCOUNTABLE AND RETURN ALL THE ADDITIONAL INTEREST THAT THEY COLLECTED XXXX XX/XX/XXXX TILL NOW. 
THANKS SO MUCH.XXXX XXXX
Product: Student loan

I had gotten XXXX student loans through Sallie Mae, the XXXX was a loan that would not require any payment till I was out of school. The XXXX I had applied for, to my understanding, would be the same as the XXXX. Come to find out a month and a half later I was behind on a payment of XXXX dollars. No big deal, but it was never explained clearly that I would have to make those payments while I was still in school. The six months then passed since I was out of school and I was to start making the payments on my loans, it was about XXXX dollars a month for XXXX not bad that 's deal-able, a few months afterwards my payments pretty much doubled, and I have been struggling to keep my payments up to date and current ever since, all to save my credit so there would be no bad marks on it from falling behind on a student loan. It was starting to get difficult so I had called looking for help but came up empty handed. So I tried to just deal with it. Well the time had come where I had finally fallen behind and had been late on a payment, so I called looking for help again. Again I came up empty handed, they did n't want to talk to me and only offered a forbearance. I then became two months behind and had called, again only offering me forbearance. Three months behind due to financial problems, and still the only thing offered to me was forbearance. I was finally able to get caught up with no help from Sallie Mae, but shortly after I received a letter in the mail from them. This letter consisted of options that could be offered to me and that I could apply for to help me with the process of paying my loans back. I called to ask about these options and was denied again. they told me they had no idea what letter I was looking at because they had no record of sending anything to me, both me and my cosigner received the letter the same day. I called and complained to Sallie Mae demanding to know about these options but because I was caught up they could no longer offer me anything other than, you guessed it, forbearance. I then filed a complaint with the XXXX and the next day Sallie Mae called to get my side of the story. Today I received the follow up call from talking with Sallie Mae, they were to review my case and find out what they could do for me. Again they gave me the same run around of you 're loans are current we cant do anything the only thing we can offer is forbearance. I have called and asked and asked and all I get is sorry we ca n't help the only thing we can offer is forbearance. All I want is help, but they have done nothing to help.
Product: Checking or savings account

I opened a Truist checking account online on https : //www.truist.com/ on XXXX XX/XX/2022 While opening the I made an initial fund transfer from another bank in the amount XXXX, which was debited from my account the next day. But they closed my on XX/XX/XXXX and i was locked out of the online account. Upon calling the customer care they said my account was frozen because they could not verify my identity. Then they told me to visit a branch to fix the issue but i do not have a bank close by. The closest bank is XXXX hours away. 
I tried talking to their supervisor and fraud department as well. But no one is able to help over the phone. Why would they debit the funds from my other bank account if they could not verify my identity. 
Now that they have already closed my account, why are not returning the remaining balance from my account? It's been more than XXXX  days since they closed the account but i have not received the money yet. 
I have called them numerous times with no luck. Today XX/XX/XXXX I called them twice and both the times the call was dropped by the customer rep saying they are going to transfer me to the right department and escalate the issue. I am tired of calling them so I have no choice but to file a complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX I found a deal on hotel from reservations.com for XXXX dollars for XXXX nights. I clicked on the reserve button looked at information it said XXXX plus taxes and fees so I hit the button and it said my room was confirmed but when the email came they charged XXXX dollars XXXX in taxes to my credit card. I cancelled the room right away but they made it a hassle I started dispute with capital one right away. This has been going on months i call capital one they say send this and it work but i always get immediate dispute deny then they close case even this last time they said file it under new thing immediately they denied. I cancelled for overcharge XXXX minutes after reservations.com did that and it was over a month and half early. I paid XXXX for a room that wasn't as good because i was still going on trip. They told me call and ask hotel cancel and if it was ok. I did they said it's fine but reservations.com had to do it. I am not and can't afford pay almost XXXX dollars for nothing but having a room for XXXX minutes month and half early. The hotel now says I'm not in computer meaning they sold the room again this is just crazy it's like they are allowing total fraud and people get ripped off. I need help i have all the information and proof all i can think of is take it small claims court and just not pay the bill. Please help XXXX is a lot of money for me it's a month of XXXX and XXXX hours weeks all for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research account I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Checking or savings account

I am the XXXX  for a small not for profit XXXX that supports the local middle school. We bank with BBVA. On XX/XX/2021 went on-line to pull the bank statement for a local and noticed there was a bank charge with a very vague description. I called the bank for more information on the charge. I was on hold for over 30 minutes. When I finally reached a representative she told me that the charge was probable for an excess deposit. She could not give me the terms for the bank account or describe what constituted an excess deposit ( the XXXX had made less than {$3000.00} is deposits for the month in question ). She then told me the terms of the account were unavailable and unknowable. I requested the charge be reversed since the bank could not articulate why the fee was charged, could not give me the terms for the account or otherwise indicate how the mystery fee could be avoided in the future. She declined to reverse the charge and only offered that I call back in a week and hopefully at that point they would know what the terms were on the account.
Product: Checking or savings account

On XX/XX/XXXX US Bank had sent a message on my online account that my account was being suspended. When I called the number they didn't or wouldn't tell me anything. So I went to a US bank branch in XXXX XXXX  on XXXX XXXX and spoke to a banker XXXX XXXX. She had to set an appointment for me on Wednesday the XXXX of XXXX because the offices of the fraud department was closed. At approximately XXXX XXXX  on XX/XX/XXXX I meet with the banker and she called and spoke to someone regarding my situation. They told they didn't want my business anymore and they were closing my account due to me breaching my contract. The banker asked if they could un lock the hold so I could get some funds because I didn't have no money and this was about to be a holiday weekend. They told her NO they would mail me a check This almost criminal because I have no money to pay for me to live right now where I could be on the streets because I'm in between housing and I ve been stay in hotels. I have no money to eat or even get to my job because of this situation. I'm in a very distressed situation and no gave a darn about me and my well being. I need my funds now or if I need to call the XXXX on your side news people to let them know of the in justice that I'm going through. I would appreciate someone calling me to resolve this issue. My number is XXXX. I have not been able to eat and basically no place to stay through this situation. I don't a person should be treated the way that I was. I am a hard working individual that has put money in this bank and to get treated like a nobody is really disheartening. I hope to hear from Someone tomorrow Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX