23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally submitting my CFPB complaint to report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed 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 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 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 XXXX XXXX XXXX
Product: Mortgage

I was notified that a creditor, HSBC, did not report to the credit bureaus my payments to XXXX since XX/XX/XXXX, XXXX, and XXXX XXXX since XX/XX/XXXX, even though they were all made on time. I have never missed a mortgage payment, and have been with them for ten years. After learning that this non-reporting does impact my score, I wrote a letter asking that they insert the payment information ASAP. They refused. HSBC account # XXXX contactXXXX.
Product: Debt collection

I had a medical bill for XXXX sent to XXXX in XX/XX/XXXX. I paid {$30.00} on it, never heard back from them. Received a notice from Eagle Recovery Associates in XXXX of XXXX for the amount of {$68.00}. I was working on paying off a medical bill with Eagle in the amount of almost {$1900.00}, which I just paid off. I gave permission to have them deduct a monthly amount of XXXX until it was paid off. They called me and said I owe the {$68.00} last week. I told them I pd XXXX in XXXX of XXXX on that and never heard back. I sent Eagle a certified letter with a copy of the check payment for the {$30.00}. They took another {$50.00} out of my account for THIS bill and never had my permission, the arrangements were for the large medical bill and it was paid off, NOT this bill for the XXXX. I have copies of every letter, bank statement and proof of payment and now telling me I still owe XXXX?? I want my money refunded that they took from my account without my permission for one. And for the over payment.
Product: Credit card or prepaid card

My Citi credit card has a feature that I can return a purchase to them if I cant return it to the retailer. I used this feature on XX/XX/18 for a messenger bag I had bought and could not return. 

Citi gave me a XXXX shipping label to send it to them. I dropped the bag off at a XXXX location. After a month and no update from Citi, I called them and they told me they had not received the bag. They told me to contact XXXX. I went to the XXXX store and was told they would have to open a trace because tracking showed it was never processed. The trace was closed without XXXX finding the bag. I contacted Citi and they said it was my responsibility to send them the bag, and that they wouldnt do anything further for me. 

I don't normally use XXXX because it is inconvenient for me to get to a location. I only used them because Citi instructed me to do so. Citi didn't give me an address to send the bag, they just sent me a shipping label. I could not send the bag to them any other way. Now they are saying they take the word of XXXX over mine, and they will do nothing further to assist. My bag is lost because I used the shipping label Citi gave me ; had Citi just told me where to send the bag, I would have used a different, and in this case more secure, method of shipping. 

Now I am out {$270.00} and a bag
Product: Debt collection

Could you please help me address some negative items on my report? I have already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed. Thank you.
Product: Credit reporting or other personal consumer reports

I noticed a vehicle from XXXX XXXX that I do not own and says that I owe XXXX. I am a victim of identity theft and I also noticed other credit cards and loans that are on my credit report that I'm not responsible for.
Product: Money transfer, virtual currency, or money service

Hello me and my family have been scammed for a house. We found the house online and contacted the owner and everything seemed fine until the keys never showed up we signed a 1 year lease that was signed by an attorney it was after that we sent the money XXXX for rent witch was XXXX and a deposit XXXX when the keys didn't show up within the 4 days allotted time on the contract we called a locksmith to see if he could help up and he informed us that the house was for sale and already has a sale pending on it. We have copies of all the documents exchanged even his I'd please help us. That was all the money we had. We also paid the application fees when we did the application. My email is XXXX and my phone number is XXXX my name is XXXX XXXX please let me know if you can help
Product: Debt collection

Re : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, VIN # XXXX ; Ally Financial Inc. ( Ally ) To Whom It May Concern, I am making a complaint about the loss of my subject vehicle that I suffered on or about XX/XX/XXXX due to Ally Financial Inc.s negligence XXXX Ally caused me and my two children, XXXX  and XXXX XXXX, to lose permanent possession of my XXXX XXXX XXXX, sustain derogatory credit reports due to Ally Financial Inc., who financed the subject vehicle, placing a past due balance of {$26000.00} on my credit reports which has prevented me from getting another vehicle, severe emotional distress, pain and suffering from not being able to engage in normal day-to-day activities and being forced to ride on buses and rideshares, and financial distress due to having to rent cars costing me in excess of {$13000.00}, when XXXX XXXX XXXX XXXX XXXX XXXX sent the tow truck company XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX XXXX who has a criminal history involving stolen vehicles I later discovered, to tow my vehicle on XX/XX/XXXX after I had called XXXX Roadside XXXX XXXX XXXX XXXX, who I relied on to send trustworthy tow trucks and drivers but who failed to do so, to tow my vehicle to XXXXXXXX XXXX XXXX XXXX XXXX  due to my vehicle being flooded during a state of emergency caused by Tropical Storm Eta. XXXX XXXX lied to me that he could not tow my XXXX  to XXXX XXXX and had to instead tow my Jeep to The XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL, which is also owned by another criminal, which I later discovered, who prevented me from towing my Jeep to XXXX XXXX the next day on XX/XX/XXXX by presenting me with an outrageous bill for {$2200.00}, which included a {$680.00} tow charge from XXXX XXXX even though XXXX XXXX paid him for the tow from XX/XX/XXXX. XXXX got paid for the tow to XXXX XXXX even though he did not tow my XXXX there and he attempted to get paid in duplicate by XXXX and me by attempting to scam me out of {$680.00}. XXXX ( dob XX/XX/XXXX ) also filed for bankruptcy and listed me as a creditor but I wont get a cent from him because he stole {>= $1,000,000} in tow trucks from XXXX XXXX that he also defrauded. I was not able to pay the {$2200.00} trumped up bill and The XXXX XXXX XXXX XXXX XXXX XXXX was able to fraudulently sell my Jeep on or about XX/XX/XXXX because Ally Financial Inc. without contest or objection relinquished their first lien position on the title of my Jeep but still charged me {$26000.00} on all my credit reports, and I and my 2 children have been left without a car for almost 3 years and have suffered dearly without our XXXX. 

In conclusion, I demand to be vindicated. 

Time is of the essence. 

Sincerely, /s/ XXXX  and XXXX  obo XXXX and XXXX  XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Bank account or service

Dear Sir or Madam, I 've been on vacation with no access to a Capital One Bank branch in the area and I 've been hit with numerous overdraft fees ( XXXX in all )! And the number continues to climb each day. This is a total of {$330.00} which I find quite excessive. 

Unfortunately, I 've been unable to deposit any money into my account to stanch the flow of overdraft fees as I 've been in an area where there are no Capital One branches. 

I tried resolving this issue by contacting XXXX XXXX, Director of Complaint Operations for Capital One and she answered that she would have a colleague reach me to discuss the issue. When I received a call from her colleague it was only to explain to me why they were justified in charging me all of these fees. 

So I appeal to you for help. 

Capital One Bank 's have increasingly used overdraft " protection '' plans in a way that is deceptive and unfair to consumers. The vast majority of large banks enroll consumers automatically in overdraft plans, charge an average of {$35.00} per overdraft, and manipulate the order transactions to post in a way that maximizes overdraft. This predatory practice must end! 

A report by the Consumer Financial Protection Bureau ( CFPB ) released in XXXX 2014 raises concerns about the impact of opting into overdraft services for debit card and ATM transactions. The study found that majority of debit card overdraft fees are incurred on transactions of {$24.00} or less, and that the majority of overdrafts are repaid within three days. Put in lending terms, if a consumer borrowed {$24.00} for three days and paid the median overdraft fee of {$34.00}, such a loan would carry a XXXX percent annual percentage rate ( APR ). 

By capping the number of overdraft fees Capital One Bank can charge, we will maximize protections to consumers. Unchecked, banks like Capital One will continue to XXXX their customer 's accounts with impunity. When will this end? 
Capital One 's predatory banking practices remind me of what XXXX XXXX says in her book How the Other Half Banks : " One of the great ironies in modern America is that the less money you have, the more you pay to use it. The American banking industry has stopped serving those who are too poor to bank. '' Charging excessive overdraft fees on one 's account is wrong and should be stopped.
Product: Mortgage

Refinancing with freedom mortgage. I experienced financial difficulties due to the pandemic. I talked to several freedom mortgage financing officers during the months of XX/XX/XXXX through XX/XX/XXXX. The workers are very unknowledgeable about the refinance process. I was given incorrect information each time I called. I co own my house. The other party had not experienced financial difficulties and was willing to remove me from the loan. Again, after talking to several loan officers from freedom mortgage, I was told that the streamline refinance would be the best option but I wouldnt be able to be remove myself during the process. The calls should be recorded and their employees need retraining. I was stuck in a tough situation and didnt see the light at the end of the tunnel with no help from freedom mortgage. I decided to enter the covid relief forbearance in XXXX of XXXX. I thought I would be able to pay at the end of the forbearance. Freedom mortgage sent me several letters by certified mail telling me I was late on my payments. The notices were terrifying and caused me to sell personal items to make the payments. I was terrified of what they would tell me after the forbearance. They reported to the credit agencies that my payment were on time but my payments had increased. ( Not sure if it was because of the interest accumulating ) This caused a decrease in my credit score. During the covid forbearance XXXX XX/XX/XXXX XXXX the co borrower tried to refinance and remove me from the loan but the application was denied. She was told that she couldnt refinance because payments were late during the months we were in forbearance. We were told to wait 6 months. I have a FHA loan through freedom mortgage. I feel this is so unfair. We tried to refinance before entering the forbearance but was given incorrect information by their representatives. Does the Cares act not protect consumers when it comes to refinancing and late payments during a forbearance? We were never late with a payment before entering the forbearance. Why woulda payment be considered late during a FORBEARANCE?
Product: Credit reporting or other personal consumer reports

The credit bureaus are reporting my name and address incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a VA backed mortgage with XXXX XXXX. My loan was transferred from XXXX XXXX  XXXX and since the transfer they have reported me as missing XXXX payments on my credit report. I have gone as far as calling them on a XXXX way with my insurance company ( XXXX ) and call ending with all was good with my account. My mortgage and cars are bundled under one plan with XXXX. I am a veteran that is 100 % XXXX and exempt from paying property taxes. XXXX wants to collect an escrow on my mortgage. I have forwarded letter from governor and other pertinent documents to flagstar and they are not satisfied with this. They receive my payments and becausr i refuse to pay them escrow, they report me as missing XXXX payments.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$50.00} on cash app. I immediately disputed the charge. After the investigation Cash app informed me the money had already been processed and there was nothing they could do. I then disputed with my bank who did refund me the money but now cash app has put my account negative the amount due to the dispute with my bank and refuses to clear the negative balance.
Product: Mortgage

Starting on XX/XX/XXXX, I had reached out to XXXX XXXX via a connection with XXXX and he started working with me on a mortgage on a home in XXXX, XXXX At this point, we were contingent on the sale of my home and in late XXXX this fell through. XXXX reached out to both myself and my realtor XXXX XXXX, with XXXX XXXX to state that he could make this work and that he could get us approved to get the loan without the sale of my home at the time of purchase. In his conversations, emails and texts with both of us, he ASSURED us 100 % that it would close and I would get the home. He did this multiple times over a few weeks. I submitted every document requested within the day of the request and answered all requests from him and XXXX XXXX promptly. Due to his recommendation, my realtor went back to the sellers and they agreed to do a new purchase agreement but only with a non-refundable earnest money. XXXX XXXX stated to both XXXX XXXX and myself that this was not a problem and to go ahead and move forward. This is a lot of money for us but we really wanted to the house and believed XXXX XXXX that he would do what he said. In XXXX, after going back and forth multiple times as the sellers were getting anxious, XXXX XXXX called to tell me that they could not do the loan and he hung up. He sent a text message to XXXX XXXX stating the same thing. No reasons, nothing other than it just didn't work. Given the number of documents and XXXX 's I have that state that he would get this done 100 % and I would be in my home. I lost out on my home and {$10000.00}, in addition to moving costs deposit, storage unit costs, moving supplies costs, and costs for setting up the new home and disconnect charges for our home. In all, I lost over $ XXXX due to his PROMISE IN WRITING that this would work and I had no concerns.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

This is a follow-up to my previous complaint. If you do not remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal action. I prefer to avoid legal proceedings, so I urge you to comply with the law. Please remove the following items as they are fraudulent and were opened without my consent or knowledge. If you assert that these items are completely accurate and verifiable, I request that you provide me with copies of any documentation related to these accounts that include my signature, as I know such documentation does not exist. In the absence of such evidence, I formally request that this information be immediately deleted from the credit file associated with my Social Security number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/XXXX =======TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. You have four business days to remove the reporting of any items in my credit file that resulted from the alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

ACCEPTANCE NOW XXXX {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. I contacted the furnishers and they approved to DELETE the accounts from my file. But then 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 I asked them 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. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX  XXXX, XXXX XXXX