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

My checking accounts at Suntrust Bank here in XXXX, VA were recently subject to bank fraud. On XX/XX/XXXX I received an email there was fraudulent activity on checking account. The attacker used a fake XXXX  account to withdraw small amounts less than {$1.00}. I went into a bank branch and confirmed the activity. They immediately advised me to create a new checking account and move my monies from the old account to a new account.

I was recently subject to the same type of fraud attack on XX/XX/XXXX of my new checking ( XXXX ) that is a month old. A larger amount of {$1500.00} was taken out of my new account. I filed a second claim ( XXXX ) with Suntrust today along with filing a police report ( XXXX ) with the XXXX XXXX, VA Police Department. I would like to have an external resource to investigate this matter to determine if this issue is being caused by an employee of Suntrust. Please feel free to contact me if you have any questions or need ay additional information.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY ASSOCIATES, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
PORTFOLIO RECOVERY ASSOCIATES, LLC. ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) ***** Opened XXXX XXXXXXXX XXXX Balance {$430.00}
Product: Credit reporting or other personal consumer reports

I tried many times to Update my info and Investigate items in my Credit Report with Equifax, but their system and employees Refused or don't know to do so. Today was the last time i tried over the phone with their employee, but she was poor trained to help and their XXXX to Verify my info wasn't working. So now i can't access my Credit Report, because Equifax proved again to be a XXXX XXXX.
Product: Checking or savings account

On XX/XX/2024 my credit builder account was closed relating to the company XXXX. 
XXXX was quietly sold to XXXXXXXX XXXX XXXX and this.is where it goes to XXXX. 

They disabled the login page from the original Website. The website would allow a person to manually close and cash out their account. Once XXXX was sold this option no longer existed. It's like they were basically holding my funds hostage. 


I reached out about my remaining funds to support and they sent me an email. 
I've provided a screenshot of the email. The email states they already deposited the funds from my closed account. They didn't refund anything into my account. I've repeatedly told them to return my stolen XXXX . They keep brushing me off saying they already did. They sent me XXXX cents which is impossible because savings increments are made in XXXX and {$20.00}. How would I even have XXXX? I made deposits of XXXX $ for five months then stopped. That's a total of XXXX $ not XXXX cents. 

I've provided copies of my bank statements so you can verify there isn't a XXXX $ deposit from XXXX The only deposit you will see is some XXXX XXXX CENTS. 

Feel free to request my account records from XXXX or whatever it is now Thank you for your time in reviewing my case
Product: Mortgage

On XX/XX/2020, I applied on-line for a mortgage with AmeriSave Mortgage Corporation. My wife & I signed a loan disclosure which specified a 30 year term, 3.25 % interest rate, and zero points. The {$500.00} deposit was paid, and dozens of documents were sent to the company, including financial statements and credit report. All of these items were deemed acceptable by the lender. However, the loan agreement was not locked, because AmeriSave claims it can not do so until the loan is fully approved with all conditions met and ready for closing. 

On XX/XX/2020, a modified loan disclosure arrived. See attachment 1 - the email  from Mr. XXXX ( Mortgage Loan Originator ). He offered no reason for the new document, nor did he mention the added expense of {$2400.00} discount fee. XXXX figured he might be able to snooker an XXXX year old senior citizen. 

On XX/XX/XXXX, I questioned the new numbers, and Mr. XXXX replied that a loan discount of .84 % was required " because rates went up ''. See attachment 2. THIS WAS AN OBVIOUS LIE. Note this XXXX XXXX report : " Mortgage Rates Hit Another All-Time Low XX/XX/2020 The 30-year fixed-rate mortgage has again hit the lowest level in our surveys nearly 50-year history, breaking the record for the third time in just the last few  months. These unprecedented rates have certainly made an impact as purchase demand rebounded from a 35 percent year-over-year decline in mid-XXXX  to an 8 percent increase as of last weeka remarkable turnaround given the sharp contraction in economic activity. Additionally, refinance activity remains elevated and low mortgage rates have been accompanied by a {$70000.00} decline in the average loan size of refinance borrowers this year. This means a broader base of borrowers are taking advantage of the record low rate environment, which will benefit the economy. '' Due to this crooked behavior, I ceased dealing with AmeriSave. See attachment 3, wherein XXXX said they would keep my {$500.00}. 

That same day, I got quotes from two other lenders at 3.25 % with no points. Subsequently, I locked with a bank at 3.15 % with zero points. Clearly, Mr. XXXX had lied about the interest rates, hoping to steal a few thousand dollars.
Product: Debt collection

On XX/XX/XXXX I took my son, XXXX XXXX to the ER at XXXX XXXX for appendicitis. I received a bill for account number XXXX for {$2700.00} which I paid in full with check number XXXX written XX/XX/XXXX. On XX/XX/XXXX I received a new bill for {$100.00} - this time charges for XXXX XXXX account number XXXX from XX/XX/XXXX ( 5 YEARS PRIOR ) were added to the bill. The new bill showed a balance of {$100.00} due. A balance of XXXX for XXXX and a balance of XXXX for XXXX. When I called XXXX I was told the allocated some of the payment I made for XXXX to these charges for XXXX, leaving a balance. I told them I had no idea what the XXXX charge was, that I have lived at the same address for 17 years and have never received an outstanding bill and that if I could pay {$2700.00}, I surely would have paid {$100.00}, but this seemed like fraudulent billing and I wanted all of my payment credited to XXXX 's bill. I continued to receive bills on XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received a collection call from XXXX XXXX. I never received anything in writing from them re : a collection of a debt. When I spoke to the debt collector they agreed that the charges didn't make sense and recommended I dispute the charge, which I did on XX/XX/XXXX. I have received no further calls or communication ( Ie : response or resolution ) regarding this matter until yesterday when I received a new collection letter from Medical Revenue Service. It seems that instead of responding, my debt was sold. I will dispute this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have affirmed as a matter of fact that a representative of Emergent Servicing attempted to collect a debt by dialing my number and spoke to me at a time that was inconvenient to me. On this recorded call the debt collector violated my consumer rights pursuant to the FDCPA codes listed here : 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692c ( a ) ( 1 ) 15 U.S. Code 1692b ( 2 ) Emergent Servicing is in possession of my affirmation, Exhibits and an invoice as I continue to enforce my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Checking or savings account

I'm seeking to have my funds within the next week this company Wells Fargo I can never reach to contact for the amount of XXXX $ XX/XX/2022 they are restricting my account but can't release my funds when I am in need
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX OF 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  CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that i do not recognize
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information on my Equifax. Please delete the following accounts. 

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 XXXXXXXX Additionally, I request the removal of all unauthorized inquiries, incorrect Address ( es ) and Employer ( s ) related to this identity theft : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXXXXXX XXXX. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these 2 items from my credit multiple times an no luck. I got an offer on my email to pay these accounts off an when I took the deal they closed the accounts and then started charging me again saying I still owe even though there closed I have proof.
Product: Bank account or service

I used citizens bank ATM machine XXXX/XXXX/16 and it " ate '' my debit card. On the next baking day the manager said I cant get my card for 5 days. After a 2 month interval I used the same machine and the sme thing happened again. I was told an executive would contact me. No one ever did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with Transunion and XXXX and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my XXXX survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my XXXX credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

After reviewing my credit report, I discovered the following accounts that were not initiated by me : 1. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/year> Amount : {$920.00} Given that these accounts were fraudulently opened, I ask that you investigate the matter in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which entitles me to request the removal of fraudulent entries from my credit file. I am also entitled to a fair and timely investigation as per 15 U.S.C. 1681i, which requires a response within 30 days of this request. 
Actions Taken to Protect My Identity : - I filed a police report concerning this identity theft. 
- I have contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts. 
- I submitted an identity theft report to the Federal Trade Commission ( FTC ), which I have included with this letter. 
Documents Enclosed : - A copy of my government-issued ID ( e.g., driver 's license or passport ). 
- A recent utility bill or official mail showing my current address. 
- The police report for identity theft. 
- FTC Identity Theft Affidavit ( if applicable ). 
- A copy of my XXXX credit report, highlighting the fraudulent accounts. 
Request for Fraud Alert or Security Freeze : Along with the removal of the fraudulent accounts, I request that a fraud alert be placed on my credit report or, if necessary, a security freeze to prevent further unauthorized activity. Since I have already filed an identity theft report, this request is in line with 15 U.S.C. 1681c-1.

Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within 30 days of receiving this letter. I expect that the fraudulent accounts will be removed from my credit file without delay. Should you fail to conduct a proper investigation or respond within the prescribed timeline, I will pursue further actions to protect my rights, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse. 

Once the investigation is completed, I would appreciate written confirmation that these fraudulent accounts have been removed from my credit report. I also request that any associated inquiries or derogatory marks linked to these accounts be eliminated from my file. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. If additional documentation or information is required from my side, please contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

American Express Delta skymiles gold card fraudulently offered a sign-on bonus never informing me that they rejected me from the sign on bonus. I was not informed. In all correspondence, they failed to mention that. I applied to the credit card with sign on bonus only. I diligently completed all the terms of the agreement to receive the sign-on bonus. I called to find out when I could expect the bonus points. They told me I would not get them. They would not help me at all. I would like to be compensated the bonus offer of skymiles that are owed. If they can not do that, I need them to expunge that this credit card was ever applied for in my name as it was advertised falsely.
Product: Student loan

I submitted my PSLF application. I am supposed to be on automatic forbearance. I called them and they agreed but said they could not put me on an automatic forbearance. They were useless.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit report for an insurance policy that I had canceled they are trying to charge me when I called and canceled the policy I did not want insurance at the time they are saying I owe this money for I had another insurance company that I went with
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be completely deleted from my history because it is not mine, it hurts me