23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I received a letter from TD Retail Services dated XX/XX/XXXX telling me that " A potentially suspicious transaction has been detected on your XXXX  XXXX account and we need to confirm that you authorized all the charges ''. 
I did not open this account or have any prior knowledge of this account opened in my name. 
The next day I received a congratulation letter from XXXX XXXX XXXX with a credit limit of {$20000.00} and the account number. 
I called both companies and reported this as fraud. I was routed to a private home when I called TD Retail Card Services ( baby crying in the background and dogs barking ) The customer service I received from this person was unprofessional and rude. This only heightened my stress about this entire ordeal. 
I filed a case with TD Retail Card Services. Case number XXXX
Product: Credit card or prepaid card

There was a charge on my cash app debit card on XXXX for the amount of {$140.00}. 

According to the merchant this charge was refunded on their end and there is nothing more for them to do. They said to have cash app disputes dept contact them directly. 

Cash app support just simply told me they are denying my request and after doing this via chat and email after the third denial I called them directly. Their phone support once again just said they are denying my claim and then hung up on me. 

At this point I can't get any help from either party involved and cash app support is refusing to work with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid off and closed but they put it as didn't pay loan and put charge off/closed on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax all required documents regarding fraudulent hard inquiry on XX/XX/21. They said they received them on XX/XX/21. However they did not scan in all documents I sent and said the file was incomplete. I then filed a complaint with the XXXX on XX/XX/21 and faxed them a copy of the report along with my drivers license. Today I called and they told me they did not receive the fax. I have a fax transmission receipt showing it was delivered and received. They asked me to resend the documents through fax, however this will delay the fraudulent inquiries from being removed. I demand these fraudulent items be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This money lion account XXXX please provide sign documents with my signature on this account or delete this account from my report.
Product: Money transfer, virtual currency, or money service

One time there was a scam for {$40.00} and they didnt want to allow me to receive. Back Another time I was banned for not refunding someone {$10.00} which the other person reported fraud but I simply didnt need to refund them because they paid me for a fulfilled service and zelle said I was suspended for about two years Even after I complained they said it was policy and didnt help Me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XXXX XXXX I requested that Citibank stop mailing me convenience checks on all my accounts out of concern these could easily be stolen and used for fraud. I understand that some time is required to process this request but on XXXX XXXX I received my 3rd promotional mailing from Citibank that contained convenience checks. This is XXXX days after my original request that these items be no longer mailed. Since when I called CitiBank the associated could n't provide me with the policy information around the timing for these promotional mailings to stop I am filing this complaint to first make sure Citibank will no longer mail out convenience checks to me, but also to understand how long Banks have to comply with the consumers demands around unsolicited marketing as that is how I view these convenience checks.
Product: Credit reporting or other personal consumer reports

Soon checking accuracy of my credit report I noticed several accounts in collection. That where clear identity theft reached out before about situation was informed where verified by address but address tied to account has XXXX XXXX attached I live in a house
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I didn't authorize XXXX XXXX XXXX to run my credit and cause a hard pull. I contacted the XXXX and left a complaint. I also contacted Synchrony directly and was told I would have to contact XXXX to have the hard pull remove because there was nothing they could do on there end. I contacted XXXX on XX/XX/2024 by phone about this unauthorized hard pull and in addition was told I would have to mail a letter, which I did on XXXX XXXX. I still don't have an update or resolution to this urgent problem.
Product: Checking or savings account

I am filing this complaint with the Consumer Financial Protection Bureau regarding the unresolved I have encountered with the Wells Fargo executive office. Despite multiple attempts to address my concerns, I have not a satisfactory resolution. 

On XX/XX/XXXX, I reported a missing cash deposit of {$17000.00}. Regrettably, the deposit was inaccurately recorded as a {$15000.00} cash withdrawal. My claim was unjustly denied on the grounds that it was filed outside the required timeframe, despite my prompt submission and diligent follow-ups. 

The total sum in question amounts to {$32000.00}, encompassing the missing {$17000.00} deposit and the unauthorized {$15000.00} withdrawal. I have diligently reported these discrepancies on the following occasions : XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX - Claim number XXXX XXXX. XX/XX/XXXX- XX/XX/XXXX - Case numbers XXXX, XXXX, XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX - Executive Office Claim # XXXX In addition to the above, I made an effort to forward a video attachment of the {$17000.00} deposit to the Wells Fargo executive office via email to substantiate my claims. 

Notably, I observed discrepancies in the documentation provided, including inconsistencies in my signature and name abbreviation. Moreover, the handwriting on the withdrawal slip does not match mine. 

Despite my persistent efforts, I have yet to receive proper restitution for the mishandling of my funds. It is evident that Wells Fargo has failed to comply with necessary banking regulations in addressing my claims effectively. 

Furthermore, a separate fraud claim related to unauthorized charges on my bank account remains unresolved. I am uncertain about the adequacy of the training and investigation conducted by Wells Fargo. It is imperative that they rectify these errors promptly, as they have had a profound impact on my financial well-being. 

I intend to address these concerns in a forthcoming correspondence to ensure that all discrepancies are appropriately addressed. I seek the intervention of the CFPB to facilitate a swift and fair resolution to this matter. Your prompt attention to this issue is greatly appreciated. 

I am currently drafting a separate communication to address the outstanding charges and seek urgent intervention to rectify these errors, which have significantly affected my financial well-being. 


The lack of progress in resolving these issues has caused undue stress and financial strain. Urgent intervention is necessary to ensure that Wells Fargo adheres to proper investigative procedures and rectifies these mistakes promptly.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since the the account has repeatedly been updated as charged off every month. This is an updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitations.
Product: Checking or savings account

I attempted to work with XXXX XXXX at the local office on this but she just blew me off, stating she did n't have time call this number. XXXX BB & T charging me over draft fees when I clearly had the funds in the account to cover said debit. Agent stated something about a pending fee that held the funds and the very next day that pending was also charged an over draft fee, These erroneous action of theft of my money caused a snow ball affect. I have balanced my account now and it should be stable. I want the funds returned to me that BB & T stole from me. I spoke with XXXX this evening and she even said in our talk that the actions of the bank is to hold these funds when in pending, as such this cause additional charges against me. Under a general ledger I had the funds to cover the debits and should not of been charged Over Draft fees. Funny XXXX stated they should n't of charged me but would n't remove these fees. 

Banks use what ever means they can to steal money from us hard working Americans and this needs to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015 I became unemployed and was receiving unemployment benefits. I had requested assistance from this lender in regards to assisting me with getting caught up on my payments but I continuously was behind a week, two weeks, and even into 30-60 days. The lender refused to offer any type of deferment/forbearance to assist me even though I repeatedly called and requested something to help me get caught back up. 
On a call a couple of months ago with the lender regarding a previous CFPB complaint I made regarding this matter, the agent stated that they do not have to offer assistance to their borrowers across the board and that these types of programs are only offered as the company allows and they are limited and not available all the time. I believe that this company is violating fair lending laws and is discriminating by not treating all borrowers the same across the board.
Product: Mortgage

I did a Forbearance Protection Plan ( FPP ) on a property I own and after the time expired I started making the payments and now they want the past payments paid or they will foreclose on my home.
Product: Debt collection

I have had this debt on my account for 5 years,11 months. Over the years I have requested a record of the bill but never received anything proving I owe XXXX XXXX money. I dispute this debt.
Product: Debt collection

I received a collection notice from a debt collector claiming I owed {$26000.00} for a prior rental account. This amount is significantly higher than the court judgment awarded in my case. The court judgment for this debt, dated XXXX in XXXX XXXX, awarded {$7600.00}. 

The collector has consistently reported this inflated amount on my credit report, causing significant financial injury. This incorrect reporting has harmed my ability to establish credit or lease another apartment. Additionally, I am unable to negotiate a payment plan for the actual amount I owe because the amount they have listed is egregiously inflated. 

I have disputed this inflated amount with the credit bureaus and requested validation from the debt collector, including a breakdown of charges and fees added to the original judgment. Despite my actions, the collector continues to report the inaccurate balance on my credit report. 

Their actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), as they are attempting to collect and report an amount that is not legally justified. This discrepancy is misleading and has caused undue harm to my financial well-being. 

I request the CFPB to intervene to : Require the collector to validate the debt, including a breakdown of all charges and fees. 
Ensure the collector reports the correct judgment amount. 
Address potential violations of the FDCPA and FCRA for reporting and attempting to collect an inflated debt. 
Thank you for addressing this issue.
Product: Checking or savings account

XXXX was taking from me and I called n tried to get it disputed and get my money back nobody was trying to help me I basically lost my savings.
Product: Mortgage

This is my complaint against Wells Fargo bank fraudulent foreclosure practices and illegal transfer of its non-existing " servicing rights '' to a new Servicer Company AFTER Wells Fargo bank sold my wrongfully foreclosed property to a third party buyer. I demand Wells Fargo bank to provide copies of all original documents and explanations based on which they conducted foreclosure case XXXX ; and transferred my loan with XXXX to XXXX XXXX XXXX XXXX two month AFTER my unit was sold to a third party buyer. 

I during last 4 years many times contacted CFPB to complain about Wells Fargo violations of National Mortgage Settlement, all applicable laws and their foreclosures mill and money laundering business in US Courts. 
Consumer Financial Protection Bureau always mailed my complaints to Wells Fargo bank, who responded with a binder-worth of deceptive runarounds " we need more time to research '' ; and never responded on merits of my requests. All my complaints against Wells Fargo bank were closed by CFPB, without any investigation or any meaningful resolution while Wells Fargo bank always walked away unharmed As the result, at least XXXX new parties are defrauded by Wells Fargo bank 's uncontrolled criminal practices : the new property buyer, XXXX, who paid cash for the unit while Wells Fargo bank impersonators sold him a fatally defective Title ; and XXXX to whom Wells Fargo bank sold servicing rights on MY mortgage with long-bankrupt XXXX AFTER the property was sold. Clearly, Wells Fargo bank wants XXXX He and XXXX bear all damages resulted from Wells Fargo illegal foreclosures practices. 
When I called XXXX customer service to discuss Wells Fargo 's servicing rights transfer on my loan with long-time bankrupt XXXX, to XXXX, their representative had NO knowledge about the sale of my unit on XX/XX/2016 and advised that XXXX DOES NOT have any documents related to my loan from Wells Fargo bank. The XXXX representative, XXXX XXXX, further informed me that XXXX will mail a " welcome '' letter within 14 days after they receive my file from Wells Fargo. Bear to repeat, Wells Fargo during more than 4 years was not able to provide me copies of requested documents based on which they foreclosed on my property and which gave them rights to sell it to XXXX XXXX. 
Wells Fargo bank illegal maneuver with transferring its non-existing servicing rights to XXXX after my unit was sold long time ago is solely intended to cover for their massive foreclosures fraud with robo-signed documents ; and shift the burden and all liabilities on other parties. 
I respectfully demand Wells Fargo bank to stop ignoring my requests for documents and information and provide me the following : copies of all original documents related to my Loan on the property located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX ; full chain of assignment ; explanations of transfer to XXXX AFTER my property was sold to a new buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to Bank of America which is reporting a charged off account of in the amount of {$18000.00}. Bank of America reporting a charge off account once again for amount {$9900.00}. XXXX Bank is also reporting charged off in the amount of {$35000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Product: Checking or savings account

They were suppose to investigate because the transaction was after hours and was suppose to contact me within45 days it's been well over 45 days still haven't heard anything or received a refund and these has been a on going issue
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to reach out many times to get these issues taken care of with no luck
Product: Debt collection

Back in XXXX of XXXX I filed identity theft because someone used my information for a cXXXX XXXX XXXX  and I never lived or was associated with the address. It was removed from my report l. Im XXXX of XXXX it comes back on my report and the I explained to the company and the credit bureau. They still has it listed stating I am responsible for the debt.
Product: Credit reporting or other personal consumer reports

My Social Security number was improperly used during the Data Breach
Product: Credit reporting or other personal consumer reports

I settled accounts on my reports as the company stated that they would ask the reporting agencies to delete the accounts within 30 days and they have not. According to violation 15 USC 1681, any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I am asking TransUnion, Equifax and Experian to DELETE all accounts from XXXX XXXX as the debt has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection with XXXX XXXX XXXX XXXX account # XXXX. with Experian. All other bureaus do not have such derogatory account reporting.. Experian has not complied with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : This company and Experian has refused and I have the right to demand that they disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that they are reporting in my credit report. At which I signed a contract and enters into an agreement or contract with XXXX. I don't understand how they were able to verify when XXXX has not to this date responded to any of my validation request validation of the amount of {$3500.00}. that they are reporting to Experian that they say I owe. Experian, Please don't respond to my request by saying that the account has been verified. HOW? XXXX has not verified with me and by law you should be deleted immediately. Please Send me copies of the documents that you have in your files or that they sent you that were used to verify the debt to legally out on my credit report. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the inaccurate and unverified item on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I have been denied credit because of it. I've requested the signed document form XXXX stating I owe them amongst other information and they refuse to send. According Section XXXX5 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Product: Payday loan, title loan, personal loan, or advance loan

We obtained a loan through sunlight financial for XXXX XXXXXXXX  and we started to get charged for services we did not receive. As of today the XXXX still hasnt started working and the loan company is trying to start payments.
Product: Mortgage

TRUIST Mortgage Loan # XXXX My name is XXXX XXXX. I have been appointed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX county Maryland ) as the Personal Representative ( Executor ) of my deceased brother 's estate. I am also the legal next of kin as well. 

This VA backed loan is under his name XXXX XXXX XXXX, and he passed away on XX/XX/2022. I immediately contacted the bank and made them aware of his passing and that I will be taking over monthly payments. There have been 8 monthly mortgage payments made since his death. 

TRUIST has been in possession of the following documents since XX/XX/2022 : -- Death Certificate -- State of Maryland Letters of Administration ( Personal Representative ) -- Homeland Security Form required by TRUIST. 


My brother was coming out of a forebearance plan with TRUIST and was given a Loan Modification Package which arrived after his death. 

I have been promised repeatedly since XXXX that this modification package would now be sent to me to administer as part of the estate. 

As of today, XX/XX/2022, I have not been given any control over this mortgage, even though I have often reminded TRUIST of their responsibilities under the Garn-St Germain Act, again with no response and no one assigned to work with me. 

Please advise what courses of action are available to me. 

Thanks for your assistance, and please advise if you need copies of any documents I have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX