23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began refinance with Flagstar Bank in XX/XX/2021. The loan officer, XXXX XXXX pressured me to start the application process assuring me that it would be completed by the end of XXXX since my current mortage is already with them. It was assigned to XXXX XXXX for processing. Both " ghosted '' me for several weeks until finally I reached out at the end of XXXX when I noticed that the rate lock in was due to expire on XXXX XXXX. XXXX claimed that they did not receive my banking statements which I thought I had uploaded very early in the process in XXXX. They never notified me that it was missing. In a conversation with XXXX he contradicted himself saying both he " had to submit it to underwriting '' and that it " was submitted to underwriting. I suspect he dropped the ball. I suspect that I am being scamed because they have been dragging their feet so that I will have to pay an additional month at the higher rate mortgage - XXXX. is now due! Despite telling both loan officer and processor several times that I do not want homeowners included in escrow, the paperwork indicates that it is still included. Today XXXX called claiming he needed my bank statements and said they have " expired '' then he said he never received them. How could they expire if he never received them? On XX/XX/XXXX I had uploaded to portal, he claimed he could not see them and said that I had to call their tech department to find out why HE could not see the documents and instead he wanted me to send personal banking documents directly to him in a personal, not secure, email. That is not the customer 's job it is his. It has taken as long as 6 days - or sometimes never - to get responses to my emails and I only get responses when I call supervisors. This company is a fraud.
Product: Credit reporting or other personal consumer reports

Hello- there have been tremendous errors in my credit report and they are greatly affecting my interest rates. I have reached out to the credit bureaus but none of them are properly responding. 

Upon reviewing my annual credit report, I see instances of some late payments reported, but in reality, I made on-time payments. These consumer reporting agencies have a crucial role to play and they must conduct a thorough investigation and get these sorted right away. 

I made timely payments for all these accounts : XXXX. XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX  XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) I would like to have a thorough investigation of the discrepancies and ask you to provide evidence of these late payments. If you can not furnish, please convert all these to " Paid On Time '' to reflect their true status. 

Please note that the information is very inconsistent among all the 3 reporting bureaus. Please take immediate action and update the reports with the next 1 week as I have been requesting to correct this information from the past 2 months and there was no proper response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response about the written requests I sent in Equifax. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX/XXXX  Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX/XXXX  Inquiry Date XXXX ; XXXX/XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX/XXXX  XXXX Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XXXX ;
Product: Credit card or prepaid card

After Capital One Data Breach that took place on XX/XX/2019, Capital One Bank sent me a letter requesting documents to establish my identity ( driver license, Social Security Card, Utility Bill and Bank Statement ). Since I have to accounts with Capital One I have submitted the same documents for both of my accounts. Capital One Bank validated my documents for my Neiman Marcus credit card and reinstated it, and accused me of discrepancy for the Capital One Venture credit card. I have called and asked for explanation as the same Bank can't make two different decisions, it is validated or not validated. I have also wrote to Capital One Executive Offices requesting their involvement in this matter but up until today I have not heard back from them. My documents are issued by the State and Federal authorities and their inability to validate them means I have forged the documents. And if so it means I have committed fraud by fraudulently establishing the account with fake documents. They contradict their actions by restricting my one account and reinstating the other. When I call to discuss the matter and request some kind of letter to state the reason for restriction they hang up the phone on me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ) Team, I hope this message finds you well. I am writing to bring to your attention a distressing matter involving identity theft that has significantly affected my financial situation. Upon reviewing my credit report, I uncovered an unauthorized account opened in my name with Credit Collection Service. It is crucial to clarify that I have never initiated or authorized any account with this entity. 

The presence of this fraudulent account has resulted in substantial damage to my credit report and, consequently, my overall financial well-being. I am deeply concerned about the adverse impact this might have on my financial health and credibility. I am certain that this unauthorized account is a direct consequence of identity theft, and I am taking immediate steps to rectify this situation. 

I have already taken initial actions by contacting Credit Collection Service to dispute the account and have filed a report with local authorities to report the identity theft incident. However, despite these measures, the impact on my credit report persists. As a result, I am reaching out to request your assistance in resolving this issue. 

I kindly request your support in investigating and swiftly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the restoration of accuracy to my credit history. 

Attached to this email, you will find all relevant details regarding the fraudulent account for your reference. If further information is necessary from my end to facilitate the resolution of this matter, please do not hesitate to contact me. 

I am fully committed to cooperating with your team to expedite the resolution of this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and support. 

Sincerely,
Product: Checking or savings account

I opened my accoun t with SUNTRUST ba nk in  XXXX  virginia  XXXX  of  XXXX , I have had several instances of fraudulent activities where the bank authorized payments to charges I did not make, usually they would appologize and fix it but this has happened several times.My latest issue with the bank stems from a policy change they failed to tell me about.When I opened the account, I explained I am on  XXXX  and only recieve {$1000.00} a month, so They set my account up that as long as I had {$1000.00} deposited monthly there would be no fees other than the usual overdraft protection.Well  XXXX   XXXX  of  XXXX  they instituted a new policy, and failed to even bother to tell me my policy changed to {$2000.00} in deposits or I would incur a $  XXXX  monthly maintenance fee.I recieved no letter or call stating this fact.I have been fighting the bank for 3 months telling them they never informed me o f this fact.The first two months were fine, they reimbursed the maintenance fees, but the last 2 months, like clockwork Ive gotten the fee, even though they never informed me at all I had to pay.Only way I found this out was to call and launch a complaint against the bank.Not only that I have recently learned I am not the only person they 've done this to.Apparently.they are being sued and this is how they intend to cover their losses.Which not only is horrible business to the point that Im pulling my direct deposit out, Im seriously considering filing a formal lawsuit against them for mismanagement of funds.I will be getting all of my banking documents from them and going to a lawyer this week and see what can be done about their gross negligence and handling of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY WHOLE PURSE WAS STOLEN OUT OF MY CAR POLICE REPORT IS ATTACHED MY SSN HAS BEEN COMPROMISED CREDIT INQUIRES WERE ESTABLISHED WITHOUT MY AUTHORIZATION CELL PHONE BILLS FROM XXXX & XXXX ARE ON MY CREDIT REPORT, INQUIRY FROM XXXX XXXX XXXX XXXX XXXX XXXX, Someone even tried to purchase a home using my identity Please remove the items a police report is attached ty
Product: Checking or savings account

In late XXXX went to the drive through of a truist bank asked for a certified check for {$1100.00}, teller pulled up a joint account that was not mine and after ealizing the mistake froze their system. I was working I was asked to come inside and then they wanted me to come back at XXXX in the XXXX. I came back the next day as the bank opened and was there for a hour and a half and was told by a bank officer that usually the money would have came out of the managers account but they took it out of the tellers account is what I was told. They gave me the certified check and as I left I said " is my money ok? '' He said " yes sir '' I gave the check to my landlord and it took 2 weeks for the check to be recognized as no good. I went back up to the bank where I got it from and they said it was a mistake that there was 2 checks out their and needed information from my landlords bank. I gave them the information I could get from him that he deposited it from a paper deposit check with other checks. When I found this out I went up to that bank and as I walked the manager stopped me and said very bluntly that they could not help me. I told him that somebody would help me before the end of the day and I went outside and sat in my truck and filed a complaint with their headquarters in XXXX NC over the phone.i have now paid XXXX, XXXX and XXXX rent and my XXXX still isn't payed. The stress has been unbearable I am a XXXX XXXX XXXX XXXX  who gets no help from anyone. And have been up to my regular bank 4 times with no results, my landlord is well known in the area and it is amazing that he hasn't thrown me out by all I want is for them to make it right they have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX XXXXXXXX ( Reporting on Transunion , and XXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX and Transunion ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on Transunion ) 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Urgent Complaint Against Robinhood Unlawful Holding of My Funds ( {$37000.00} ) To Who

m It May Concern, I am filing a formal complaint against Robinhood Financial LLC for their unlawful restriction of my funds totaling {$37000.00} and their inconsistent policies regarding deposits and withdrawals. I funded my Robinhood account with a total of {$37000.00} using two accounts : a personal debit car
d and a business debit card. Robinhood accepted these deposits without issue, but when I attempted to withdraw or trade, my account was suddenly placed under review without warning.

Robinhood has now requested bank statements from both funding accounts. However, after submitting the requested information, Robinhood refused to accept my business bank statement, claiming they do not accept business account statements. This is highly unfair and deceptive, as they allowed me to deposit funds from a business debit card but now refuse to recognize the source of those funds.

Issues of Concern : Robinhood is unlawfully holding my money ( {$37000.00} ) and preventing me from making any trades, withdrawals, or accessing my funds.

Their policies are inconsistent and deceptive allowing funding via a business debit card but refusing business bank statements as proof of ownership.

I have provided the requested documentation, yet Robinhood has failed to resolve or provide a timeline for restoring access to my account.

This restriction is causing me financial harm and potential loss of investment opportunities.

Requested Resolution : Immediate release of my {$37000.00} and full restoration of my account access.

A formal explanation and policy clarification on why business debit card deposits are allowed but corresponding business bank statements are not.

Assurance that this type of arbitrary and unfair restriction will not happen again. 
I request that the Consumer Financial Protection Bureau ( CFPB ) intervene immediately to prevent further harm caused by Robinhoods actions. I am also considering legal action and reporting this to FINRA, the SEC, and my state financial regulators. 

I expect a resolution within 15 days from the date of this complaint. Please confirm receipt and provide an update on the status of my case as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL, XXXX
Product: Debt collection

I don't know what this company is inever signed any contract with them in by law ALL DEBTS are paid through Title 18, sec8,, as well : as hjr192 in public law 73-10, and I can go on in on pertaining to LAW in also I never sign anything.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability. 
You are also violating the Fair Credit Reporting Act ( FCRA ) by obtaining my consumer report without my permission or for a purpose not permitted by law. The FCRA is codified at 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). ( See XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX XXXX. 

15 USC 1681a ( 3 ) ( E ) ( e ) The term investigate consumer report means consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA under 12 CFR Part 1022 Regulation V. 

FRANKLIN COLLECTION SERVICES Who did you interview and can you provide the names of the neighbors, friends, or associates of the consumer reported on.
Product: Mortgage

SUMMARY : DELAYS IN PROCESSING MORTGAGE LOAN TO OBTAIN SAFE HOUSING FOR MEDICAL REASONS PURCHASE AGREEMENT MADE ON XX/XX/XXXX CLOSING DATE SET XX/XX/XXXX XX/XX/XXXX US BANK NATIONAL RECOMMENDED TRANSFERRING TO A LOCAL LENDER BECAUSE OF DELAYS IN THEIR PROCESSING RELATED TO COVID 19 AND  STATED THAT THE APPRAISAL HAD YET TO BE ORDERED AFTER GETTING A LOAN ESTIMATE FROM A LOCAL LENDER US BANK CHARGED AN APPLICATION FEE ON XX/XX/XXXX XX/XX/XXXX TALKED WITH A LOCAL US BANK REPRESENTATIVE WHOM SAID THEY CAN TRANSFER THE LOAN LOCALLY SINCE I HAVE BEEN CHARGED ALREADY BY US BANK NATIONAL AND THAT THERE SHOULD BE NO PROBLEM WITH CLOSING BY XX/XX/XXXX EXTENDED THE CLOSING DATE TO XX/XX/XXXX CONTACTED THE LOCAL US BANK REP ON XX/XX/XXXX TO CHECK ON THE STATUS-TOLD THAT THE OWNERS AGENT HAS DROPPED THE BALL ON GETTING THE APPRAISAL OWNERS AGENT INFORMED ME THAT THERE IS CURRENTLY NO APPRAISAL ORDERED AND THAT IT HAS BEEN CANCELLED TWICE TO DATE BY US BANK APPRAISAL ORDERED LATER THAT DAY XXXX-APPRAISAL DATE SET FOR XX/XX/XXXX DUE TO THE HIGH DEMAND AND LIMITED APPRAISER POOL THAT US BANKS APPRAISAL MANAGEMENT COMPANY HAS IN THE AREA ( 1 APPRAISER )  EXTENDED THE CLOSING DATE TO XX/XX/XXXX XX/XX/XXXX I EMAILED THE LOAN TEAM TO CHECK ON THE STATUS OF MY LOAN ( STILL YET TO SEE ), RATE LOCK AND APPRAISAL CONFIRMATION. 
INFORMED THAT THE LOAN DOCS ARE IN THE PORTAL ( STILL NO LINK SENT TO ME ) RATE LOCKED ON XX/XX/XXXX AND APPRAISAL CONFIRMED FOR XX/XX/XXXX ON XX/XX/XXXX I REQUESTED THAT ANY LAWS BE UTILIZED TO TIMELY PROCESS MY LOAN AND ALSO ASKED FOR THE OPTION OF A DESKTOP APPRAISAL PURSUANT TO CURRENT LAWS XX/XX/XXXX I REQUESTED THAT THE APPRAISAL BE DEFERRED USING CURRENT LAW ON XX/XX/XXXX THE REGIONAL MANAGER SET CLEAR EXPECTATIONS OF THE LOAN NOW CLOSING ON XX/XX/XXXX WITH NO REGARD FOR THE APPRAISAL MODIFICATION RULES ENACTED DUE TO COVID 19 XX/XX/XXXX VARIOUS COVID 19 SYMPTOMS OVER THE PAST WEEK WITH SERIOUS SHORTNESS OF BREATH-WENT TO THE XXXX XXXX AND TESTED WITH RESULTS PENDING BUT A HIGH LIKELIHOOD DUE TO MY MEDICAL HISTORY AND LIVING CONDITIONS-CURRENTLY XXXX, UNABLE TO WORK AND QUARANTINED XX/XX/XXXX NO LOAN ESTIMATE PROVIDED TO DATE-NO CONFIRMATION OF THE APPLICABILITY OF THE CURRENT COVID 19 APPRAISAL INTERIM FINAL RULES
Product: Money transfer, virtual currency, or money service

Multiple transactions were sent through Zelle that I never used and also my chase account had fraudulent activity which it caused for the account to be closed. Zelle through the bank apps is how my account information were leaked
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 A dispute was made with XXXX for an account that has already been paid for from a different collection agency ( XXXX  ) for the same original creditor ( XXXX apartments ). I provided receipts and notified current collection agency ( Southern Management ) that debt was already paid and it needs to be deleted from my credit report. However the account was just updated and never deleted due to accurate and verified information The current collection agency requested proof of payment which proof has been provided. I just want to make sure account is removed as stated.
Product: Debt collection

I contacted the collector Spoke to XXXX he stated they agreed to settlement of 1/2 the debts of {$200.00} would send me a letter send me a letter of agreement. I never received it I called as I was notified by my credit report today XX/XX/XXXX I owed the full amount and the account is open to XXXX XXXX XXXX. I called to question the account to be paid as agreed the gentleman stated because your trying to buy a house you have to pay the debit in full before we will remove it, or it will stay on your credit as unpaid he refused to accept me any assistance to show account was settled
Product: Mortgage

My rental house in XXXX was fire damaged and my loan number is XXXX. I have been issued a check for XXXX XXXXXXXX and I need Fay Servicing to co sign it, so I can get paid please.
Product: Debt collection

I rented vehicle from XXXX in XXXX, GA, with return to XXXX, FL ; and that was about 3 months ago, and upon returning it to XXXX offices, we went through the gasoline and in and out of the vehicle, and all was satisfactory. 
Only to find out that they claimed to have contacted me and that there was some damage in the vehicle, and sent my name to the collection agency. 
That is UNACCEPTABLE practice as they have my email address and my secondary number, which they have never used, and also why are they contacting after I returned the vehicle in good condition? when does the contract end? what if the person who damaged is their employee and happened to do that after I left? 
This is VERY UNACCEPTABLE practice, by both, XXXX XXXX XXXX and their collection agency ( Transworld Systems Inc, whom already have some scandals as per info on CFPB website ). 
Please check these companies further as this is not the way customers should be treated. Never.
Product: Credit card

I paid my balance on my Macys credit card in full. I now see that they have been charging me {$2.00} a month for the past several months. They have also closed my account and I 'm sure this has affected my credit rating as I am showing a past due balance of {$14.00} at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
M & T Bank XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX - ( XXXX ) 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. States a consumer reporting agency can not furnish an account without my written instructions.