23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from TD Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information. 
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The lists of accounts below has violated my federallyprotected consumer right to privacy and confidentiality under 15 .s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c. 1681 section 602 A. States I have the rights to privacy 15 u.s.c 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 u.s.c 1681c. section ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer reports 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 1681-2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the information is in accurate.
Product: Debt collection

In 2010, my check book was stolen unknowingly because I do n't use checks for transactions but at the time I thought it was wise to have some since i can get them free from my bank. This particular checks that were stolen was from an account that I already closed but forgot to dispose of the checks. However, whoever that stole the checks was allowed by XXXX and and XXXX to transact business without proof of identification. I have called and informed XXXX about this matter but nothing was done.
Product: Mortgage

XX/XX/2020 I started the application process with Chase. Through this process the bank kept asking me for the same information that I had previously submitted. Once submitted, the underwriters would take so long to review, 6 weeks, they would have to ask for information all over again. This went on for 8 months. Over the course of this time they pulled my credit 9 times! This has substantially damaged my credit. To the point I can't get refinanced. Chase sent me a letter of denial in XXXX. It stated that they were unable to help me because I was asking to pull out to much of the equity in my house. This is not true at all. All I was trying to do is refinance my house. Didn't want to pull any money out
Product: Mortgage

On XX/XX/XXXX we ( my wife and I ) opened a fixed rate second mortgage with First Citizens Bank for an amount of {$67000.00}. The terms were 4.74 % for 15 years. This account has always been in good standing. ( loan request summary attached ) On or about XX/XX/XXXX I called First Citizens Bank to acquire a HELOC for an amount of {$150000.00} for home improvements. On XX/XX/XXXX a representative from First Citizens informed me that they would approve us for {$75000.00} with an adjustable rate of prime minus 0.26 % for a period of 25 years. We accepted those terms and signed the HELOC loan documents on or about XX/XX/XXXX. The closing statement ( attached ) clearly showed that {$15000.00} was paid to me directly and there was {$60000.00} in undisbursed funds. 

When I contacted the First Citizens representative for instructions on how to receive the funds, she sent me a screen shot of her computer ( attached ) showing we already had a balance due on the HELOC of {$66000.00}. When I asked her how could that be, she said they paid off the original second loan balance of {$51000.00} with proceeds from the new HELOC. 

ON XX/XX/XXXX I sent the email below to First Citizens representative, XXXX XXXX ( XXXX ) XXXX Ext. XXXX Phone " You are going to have to show me something in writing, either from one of your emails, or the on the closing documents that shows that $ 51,000+ of funds from the new heloc were to be paid to First Citizens to pay off the existing 2nd. The Disbursement Request and Authorization form states that {$15000.00} is to me paid directly to me by lenders check ( where is that, I do not have it ) and there is {$60000.00} in undisbursed funds. 

There is nothing in the loan docs that shows funds were to be used to pay off the original loan. '' First Citizens Bank did NOT have our permission in written or verbal format to close our original loan from XX/XX/XXXX. At no time did First Citizens Bank verbally or in written format inform us that proceeds from the HELOC would be used to pay off the loan from XX/XX/XXXX We now have virtually no funds for our home improvement project, ( which was already started ) and the fixed rate, 15 year loan, that we were four years into converted to a 25 year loan with an adjustable rate. 

First Citizens has not worked in good faith to fix this issue. The best they have offered, verbally, is to write a new loan for {$120000.00} for 25 years at 6.04 %
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my XXXX XXXX XXXX got totalled by a XXXX Truck. My attorneys won the case XXXX  was liable. {$11000.00} or more was paid towards the car. When signed for the original contract auto loan I paid for Gap Insurance which was added to the loan. My car insurance totalled my car out XX/XX/XXXX. The remainder of the loan is supposed to be paid by Gap Insurance through XXXX. All correspondence went to XXXX XXXX XXXX XXXX Gap Specialist XXXX XXXX XXXX, XXXX XXXX mostly through email with subject line Regarding Ally Acc # XXXX and sent documents to this email. After I sent documents. No more correspondence from the Gap Specialist. So I assumed they got their money because if they didn't then I should have been contacted by the Gap Specialist who has my email XXXX, phone number XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed inaccurate credit reporting to both XXXX and XXXX. Wakefield and Associates collecting on behalf of XXXX XXXX XXXX is reporting a balance of {$1000.00} however, a recently make a payment of {$530.00} directly XXXX XXXX XXXX via XXXX XXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX : {$530.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00}
Product: Credit card or prepaid card

I fell victim to a credit card scam on XX/XX/22. I had just started a new job the week prior, and I got a text from someone purporting to be my boss asking me to go get gift cards for a presentation, that he was in a meeting so he couldn't talk, and I would be reimbursed by my employer. Because he was using them for a presentation, he needed me to send him pictures of the gift cards. He made the request sound very urgent. Without a second thought I was on my way to purchase these gift cards, I didn't want to make a bad impression on my boss. First, I went to XXXX XXXX and purchased {$600.00} for XXXX XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ) and {$600.00} for XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ). XXXX XXXX total : {$1200.00}. I started to get suspicious when he asked me to go to a second store. He would always text back really fast or repeat text if I didn't answer immediately, not giving me a moment to think. I went to XXXX and got {$800.00} for XXXX ( XXXX {$200.00}, XXXX {$100.00} ). He wanted me to get more from the XXXX, but the system locked me out. XXXX total : {$800.00}. Thats when I fully realized it was a scam. He wanted me to go to a third store. that's when I called the office and confirmed I was not texting with my boss. I told him I couldn't get more and needed to get back to the office, he was insisting I get {$200.00} more. As soon as I got back to work, I disputed the transactions with the bank and made a police report. Since I was still communicating with the person via text, I called the Police 's nonemergency line, but it wasn't being staffed. I filed a report online. I called the number I was texting but it was a XXXX number. Grand total : {$2000.00}. 

Wells Fargo is holding me responsible for the {$2000.00} that was stolen from me because I was a victim of a gift card scam. They " can not '' do anything because the merchants denied the dispute because I made the purchases, and because there are no funds left on the gift cards. Of course there are no funds left, it's a SCAM.
Product: Debt collection

In XXXX we rented an apartment with the XXXX XXXX, we stayed there from XX/XX/XXXX to the first second week of XX/XX/XXXX. When we left we moved to XXXX and rented for 16 months with no issues. I found out that the XXXX XXXX lost the property due to fraudulent activity like like making bad leases and using peoples info to rent apartments to people. Also to roach infestations. This info was given to me by the new owners of the XXXX XXXX XXXXThe old owners, which we rented from, gave my info to someone who rented there from XX/XX/XXXX to XX/XX/XXXX. And then that person skipped out on the rest of the months rent and so they tried to put the XXXX XXXX collection agency on me to get the rent that the people using my Social Security number left behind. There address in XXXX Tx is still on my XXXX report also and I never lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled a copy of my credit report in light of all the recent breaches with Equifax. I discovered XXXX fraudulent inquires, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX. I disputed them and they have the nerve to tell me that they are verified and I should contact these companies myself. Why would I call and give them my personal information and I never did in the first place. I do n't have business with these companies, never gave them the right to access my credit report and Equifax should be working with me the consumer not against me. There is too much identity fraud going on now. Please help me as they are violating my rights under FDCRA and FCRA. I have tried calling and they are rude. All there answers are no we cant do that, the information is factual. I do n't know who is trying to obtain credit in my name but I received notice from XXXX that my name is on some black market website.
Product: Credit card or prepaid card

Received first bill in XXXX for BJ 's Mastercard new account. Lost the bill, forgot to pay it. Got my second bill in XXXX with interest because of the XXXX bill I missed. Paid the balance in full. Received XXXX 's bill with interest added. Called the CC company figuring it was a mistake, but they said it was more interest from XXXX. I said that bill was paid in full, but they refused to remove it so I paid it and canceled the card. What can you do to make this right?
Product: Credit card or prepaid card

On XX/XX/XXXX Bank of America was paid {$2000.00} from my checking account at XXXX XXXX XXXX. I had enough funds in the bank and {$2000.00} was deducted from my account. On XX/XX/XXXX, Bank Of America returned the payment as unpaid, and slapped me with insufficient fund fees. But my checking account at XXXX XXXX XXXX never got the {$2000.00} back into the account. So they are gone from XXXX XXXX account and the XXXX says that the Bank of America was paid {$2000.00} on XX/XX/XXXX. The BOA says they returned the payment and I need to get in touch with XXXX if it's not credited back into my account. Both these institutions are holding my {$2000.00} hostage and giving me a run-around for no reason. They blame each other, but they are not willing to talk to each other to resolve this issue. It has been over a month and I could not get either institution to return my money. That's why I am requesting you by filing this complaint to please help me get my money back from these financial institutions.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone.
Product: Debt collection

National Credit Systems is continuing to report and trying to collect on 2 fraudulent collection accounts on my credit report even after disputing several times that the debt does not belong to me, and I have no knowledge of them. 

XXXX XXXX XXXX XXXX XXXX They say this collection is from XX/XX/XXXXXXXX XXXX XXXX XXXX They say this collection is from XX/XX/XXXX I have not lived at either of those locations, only just leaving home XXXX of XXXX. I find it hard to believe they have 2 collection accounts from 2 different properties within a 2-month span. This clearly screams fraud and a company not doing their due diligence on actually verifying and seeing if what they're attempting to collect on makes sense. They saw high dollar amounts and thought it would be an easy pay day, however I can not within good faith pay on something I had nothing to do with. I would like a full investigation launched into this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional credit management is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Student loan

I used XXXX XXXX to help finance my XXXX 3years through college. Thankfully I graduated, with the help of grants and Federal loans, but I would NEVER use XXXX XXXX again. Nor would I allow any of my family to. The CUSTOMER SERVICE is the absolute WORST. Several times have I called and was spoken to in a disrespectful or condescending, inferior way. I was once told " well you did n't have to choose to get a student loan through us '' when I had called asking was there any type of way for me to qualify for any loan forgiveness, or debt management programs since I am trying my hardest to make payments and pay down as best possible all by myself as a single mother. Aside from their poor attitudes in customer service their interest rates are too high, they do n't have good forbearance or debt management programs, and the repayments are ridiculous. I wish I never dealt with XXXX XXXX.
Product: Mortgage

{$1400.00} {$2300.00} {$1600.00} {$1200.00} The sums of money listed above are what LOANCARE ( aka XXXX XXXX ) have requested that I pay for the same account Prior to my mortgage moving to XXXX  XXXX, my mortgage note was $ XXXX@ 5.6 % interest over 30 years After going through my initial loan modification, I was asked to pay {$1400.00} per month ... which I have done and paid on time for the past 18 months In late XXXX or early XX/XX/2020, I received a notice stating that I have to go through another loan modification because my mortgage is far behind In reading the enclosed documents ( see the attached documents ) I discovered that somewhere on their books they have my CURRENT mortgage payment as being {$2300.00} Secondly, I receive another document from the escrow department stating that my new mortgage payment is {$1600.00} per month and a new loan modification document stating that I pay {$1200.00} per month THINGS I JUST DO NOT UNDERSTAND 1. Why am I just now finding out that my CURRENT mortgage payment is {$2300.00} per month after paying {$1400.00} for the past 18 months?? 

2. Why is it that NOBODY has inquired about me paying {$1400.00} per month as opposed to {$2300.00} per month thus averaging a shortfall of {$1000.00} a month?? 

3. Prior to my mortgage being moved to XXXX  XXXX  my mortgage was $ XXXX@5.6 interest over 30 years How is it possible for a loan modification to jump from {$1300.00} per month to {$2300.00} per month FOR THE SAME TERMS?? 

4. I have a second mortgage that went through a loan modification My note was {$510.00} per month@ 7.4 % interest with XXXX My new mortgage servicer has requested that I pay {$400.00} per month@ 4.9 % interest This is a PROPER loan modification The so called LOAN MODIFICATION of my primary mortage with XXXX  XXXX  ... ..MAKES NO SENSE! 

I am requesting a remedy to this NIGHTMARE! The enclosed documents gives an account of my experience with this mortgage lender If this is the way this firm treats their customers and produce ridiculous loans, it is best that they close their doors!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 Experian I have never authorized XXXX  to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as XXXX please remove there is no open accounts on my credit with XXXX  as of XX/XX/2022
Product: Money transfer, virtual currency, or money service

I had deposited money to my Home bank to transfer a large amount of funds to a company called credit Karma Money for {$5000.00} on XX/XX/XXXX to pay a dept toward a credit card and Credit Karma refuses to give me my funds they have violated my trust and withholding my only means to live eat and basic necessities due to my XXXX I am currently XXXX  they do not comply with their own policy and been way past 10 business days to review my account and purposely hold my money it is not there money
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Account number XXXX XXXX {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. XXXX XXXX Account number XXXX XXXX {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Product: Mortgage

We were transferred to Seterus from XXXX, Bank, we were told that {$3300.00} was past due, We paid that before the due date of XX/XX/XXXX. Seterus formed a escrow account that we did not have with XXXX nor with Seterus as we pay all out taxes and insurance ourselves. Seterus no5tified us that we still owed the XXXX after we paid it in XXXX installments XX/XX/XXXX. Due to bad / negative correspondence about Seterus we went ahead and sent another {$3300.00} by certified check to go against money not owed, but Seterus said we did, then starting in XX/XX/XXXX XXXX started collecting escrow as we had no choice but to pay as this was our new total monthly bill. we could not short pay nor were given any other option. escrow was calculated for 12 months to collect money owing. Seterus collected for over 18 months not the 12 and when questioned reimburse us {$2500.00}. but kept the {$3300.00}. this adds up to paying the {$3300.00}, 3 times. 
A complaint was filed and they justified it with us making the decision to pay the escrow amount that we did not have an option to. they did not point out in their letter in response to the complaint the we were never supposed to be escrowed for any amount. ever! we always paid our property taxes ourselves, the first payment cleared the debt, the second payment the put towards our principal? And the Escrow they kept I have no idea where that went? now I call and they are not available, they are closed at XXXX PST on a Wednesday? I can not call, letters create a cluster of confusion without resolution. 
please help