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

I received a letter that my CD had matured on XX/XX/2023 and that I had 10 days to contact CIT to close it or they would roll it into another CD. I called on XX/XX/2023, but the line kept hanging up. I later logged into my account online on XX/XX/2023, but the function to transfer the funds kept giving me error messages stating this function was not available. I also tried the mobile app and it gave the same error message. So I sent a secure message through my online account via my laptop to CIT stating that I wanted to close my CD and have the money transferred to my XXXX  account. I included both my CIT CD and XXXX account numbers and routing numbers. I called on XX/XX/2023 and after the line disconnecting twice, I finally reached a rep named XXXX at about XXXX XXXX. I told XXXX that I wanted to close my CD and transfer my money to my XXXX  account that I sent in the secure email. XXXX lied and said that I never sent a secure email. When I told him that I saved a screenshot of it, he put me on hold for 20 minutes. He later came back and said that he could not transfer the funds to my XXXX account because it was missing the routing number. I reminded him I have physical proof of my message and the routing number was there. Then he said that I could only go online and transfer the money back to my XXXX account that I originally transferred the money from to CIT. When I told him that the transfer function only gave an error message both online and via the mobile app, he told me that they could not transfer my money to any other accounts. I then demanded that I be sent a paper check and verified my address of XXXX XXXX XXXX, XXXX, NC XXXX. This is the mailing address CIT has on file for me. XXXX said he would close my account and mail me a paper check in 7-10 business days. But when I asked for written confirmation of my request to close my account and the paper check being sent, he said he could not send me this. I asked for a supervisor and he transferred me to a woman named XXXX. She told me I had a service request number of XXXX. But she also refused to send me written confirmation of my request. I asked if it could be sent through secure message as a reply to my original message and she refused. I tried to login this evening ( now XX/XX/2023 ) and the entire website is down and so is the mobile app with no message about how long it will be down. I just want my {$2000.00} back. I do not want it rolled over into another CD with a low interest rate.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Intervention Regarding XXXX XXXX and Credit Reporting Issues To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally request immediate intervention concerning severe identity theft and credit reporting issues related to my experience as a survivor of human trafficking. While I have received a FCRA 605 ( c ) block on my XXXX credit report, I urgently seek similar relief from XXXX and XXXX, in addition to addressing ongoing issues with various creditors and XXXX. 

**Key Points of My Complaint : ** 1. **Credit Reporting Agencies ( XXXX and XXXX ) ** : - I request the immediate implementation of FCRA 605 ( c ) blocks on my credit reports. 
- Removal of all adverse information, inquiries, and addresses linked to my XXXX  experience. 
- Issuance of new, updated credit reports reflecting these changes. 
- Reset of online portals ( XXXX and XXXX ) to facilitate proper monitoring of my information. 

2. XXXX : - I have faced severe adverse reactions from XXXX due to my status as a XXXX, which has caused me significant distress and financial burden. 
- My services were terminated, leaving me without phone access. 
- XXXX has failed to address XXXX  incidents involving my accounts, perpetuating my victimization. 

3. **Other Creditors ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) ** : - These creditors have failed to comply with the law regarding my status as a trafficking survivor. 
- I continue to receive attempts to hold me liable for fraudulent and coerced debts. 
- They have disregarded the Victim Determination Documentation ( VDD ) I provided. 

I reside in XXXX  and will be seeking a court-appointed document confirming my status as a victim of XXXX XXXX. However, I request immediate remedies under the XXXX XXXX XXXX XXXX and FCRA 605 ( c ). Due to issues with XXXX, please contact me exclusively via email at XXXX. 

It is imperative that the CFPB investigates these matters urgently and assists in implementing necessary remedies. The ongoing failures of these companies to address my situation as a XXXX  XXXX  are causing continued victimization and hindering my recovery. 

While trafficked, many victims suffer financial abuse, which I have also endured. CRA 1221 outlines provisions for financial relief from adverse accounts across all credit reporting agencies. As XXXX has complied with my requests, I am now seeking the same from XXXX and XXXX, including the permanent removal of all adverse tradelines and inquiries from my consumer report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I was a victim of a scam. Everything started with me having a problem with my XXXX account. I looked up a number to call and I came across a number on google. When I called the number found, I spoke to someone who impersonated a XXXX agent. They informed me that my account had been locked because I hadn't completed the verification process. They added that they were willing to help me solve that issue. This is how they proceeded to ask me personal information and ask to remotely access my computer to help me better. They had me go to my bank account ( Wells Fargo ) that was linked to my XXXX account, then had me initiate some money transfer from my bank account to XXXX for the amount of {$700.00}. Then they had me go on metamask and had me create an account with XXXX and XXXX, passing all the verification process. That was supposed to make the security features strong so in case my account was hacked it would have been difficult for the hackers to access it. They then transferred {$1100.00}, {$1400.00} and {$1400.00}. The money was supposed to have been sent to my XXXX account then back to my checking account. When I questioned the amounts, they kept on saying that it was what the computer generated and not to be worried because the money was going to be deposited back into my checking account.But as time went by I realized that no money was being sent back to my checking account, and that they were actually draining my account buying cryptocurrencies and moving the money to digital wallet. I started to record the phone call then. I try to contact my bank via chat, sending help alert but the chat was not available. I then, call the bank to explain what happened and to ask them to stop the payment but I was told that because they were made with a debit card, there was no way to stop them and I was instructed to file a claim, which I did. I was tricked into believing that I was making legitimate transaction and now my bank rejected my claim and I just can t afford to lose all that money that I worked hard for to the hands of scammers. What is more, since I had opened my account I never spent such a large amount ( {$4700.00} ) within minutes, which is already a red flag. At this point, I feel really disappointed in my bank and I do not feel protected. I do not agree with their decision and I do not understand how they came up with the conclusion that no error had been made, how they are denying the fact that I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Delete this account.
Product: Credit card

Ive had an account with Pentagon Federal Credit Union for over 20 years. Since I opened the account Ive always lived outside of the USA supporting US Government contracts. About two months ago they blocked all access to my account and they wont tell me why. They demand I produce a utility bill for my US mailing address, which I dont have because I use my brother as a mailing address. I have to call them to make payments on my credit card and they wont even tell me the outstanding balance on the card because they say my account is blocked.
Product: Money transfer, virtual currency, or money service

Someone asked me to invest some money and they would be able to proved me with the result. They just took the money and didnt provide the service.
Product: Checking or savings account

I rented a car from XXXX XXXX, XXXX Bank put a hold on the account charge and I can not renew the rental. XXXX Bank is stating they need a fax sent to them to remove the hold and to pay XXXX. XXXX does not operate via fax so the money is essentially being held XXXX by XXXX Bank and I have to pay the amount with another account. XXXX Bank is then refusing to remove the hold which is like stealing. They are putting holds on the money then not releasing the hold. I cant get the money back from XXXX Bank as its in Hold and XXXX can not receive the funds from TD due to the Hold. I then have to pay again with another bank while TD never pays XXXX after approving the transaction and it's essentially put in an indefinite Hold. I need this resolved and for all future transactions. 

XXXX has stated they dont fax docuements and I need to contact TD bank. TD Bank states they can not release the hold so now essentially the funds are being stolen by XXXX Bank. This is a form of XXXX by XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2020 XXXX
Product: Mortgage

Village Capitol has not analyzed my account since XXXX. As a result, the XXXX analysis shows a LARGE shortage. I have called a few times requesting the shortage be spread over 60 months so that I can afford the payment and that I may come up with a plan to allocate additional funds to escrow, when available. I have made this request well before the higher payment would be due. Twice now I have been promised I would receive a call/answer within 5 days. Unfortunately, this was an empty promise. 

The request made is a reasonable one and is practiced industry wide to avoid delinquency and foreclosure. The projected escrow shortage is {$3900.00}. This caused a XXXX payment shock. In today 's financial climate, this is a SIGNAFICANT unexpected cost and at no fault of mine. The shortage would not be a great if Village Capitol would have annually analyzed my account as dictated by RESPA Guideline. 

From my perspective, not analyzing my account seems predatory in the effort of getting me to refinance my home, rolling the shortage in to the loan and giving a higher interest rate. There are check and balances in place to avoid the misses of annual analysis. Why is it that Village Capitol missed this effort?
Product: Vehicle loan or lease

I requested the price to purchase the vehicle. The price was provided, and the payment was submitted on time. The company came back saying the price was not right and want me to pay more {$900.00} for the vehicle. I asked why and was told the additional charge was due to an internal mistake made by Mercedes Benz Financial. The company did not want to take responsibility for its mistake and required me to pay the difference.
Product: Checking or savings account

I do business banking with CITI bank for my XXXX business since XXXX. Earlier this year-around XX/XX/XXXX we discover that there have been many ACH withdrawals by XXXX bank ( all withdrawal seems to be going to someone's credit as payments ) and these ACHs were Unauthorized and fraudulent totaling around {$41000.00}. I file a claim with my CITI bank and after 45 days they Denied the claim stating that they DID NOT receive any response from XXXX therefore they are taking money out of my account ( for the credit they have given me at the time of claim filing ) I contacted the Branch manager she re-initiated the claim again but again CITI bank denied it but this time they provide a contradictory statement on the denied letter that they did not receive any update from XXXX, therefore, I should contact the XXXX card as they have signed authorization WHICH is not true, Beside Bank manager the rest of the ppl I talked they no clue they simply told me, *there ' nothing we can do* suggested that I can file small court claim ( small court claim on $ XXXX and not knowing who I can file or sue? as cit bank refused any help o provide me any information that I can take up to chase.
Product: Vehicle loan or lease

On XX/XX/2021 XXXX XXXX mst I received an email from the Equitable finance company in XXXX Utah which is attached that today your auto loan is 29 days past due and I needed to contact them to set up a plan so we can avoid further action. The company has disabled the car on XX/XX/2021 2 days after their 10 day grace period. We contacted them immediately to find out what is going on at that time they encouraged us to form a plan of borrowing money from our parents our friends our family anything just to get them paid we explained multiple times we don't have those options that if they would just reenable the car that I would have a job in no time but they wouldn't hear anything except " we have your money '' like they were drug dealers or mob bookies. We have paid them XXXX as of today and loan amount is XXXX and are absolutely unwilling to work with us in any way shape or form we pay an interest rate XXXX or XXXX unsure which since they are both on the contract. Whenever we ask the company for clarification on anything on the contract they know nothing. Fast forward to XX/XX/2021 XXXX mst my daughter was on her way to work and comes inside to inform us that there is a tow truck getting our only car. When I went outside the 2 boys who were doing this began to panic and when I asked who they were neither would answer the one operating the controls looked down and would look up again and the other asked me for the key I refused and asked what he was doing and was again ignored so I went inside to call the equitable finance company I was put in touch with the asst manager who knew nothing of the repossession that was currently happening her boss which knew nothing kept being referred to refer to your contract and I have referred to the contract there is no provision that 29 days is repossession time there is nothing in the contract whatsoever to remedy such acts the contract is as basic as it gets when asked what their policy is their responses always well we're a subprime blah blah blah blah blah when pointed out that subprime is not a legal term but a banking term they become dispondent and act like they don't understand what I mean at this point the manager gets on the phone and repeats endlessly that this is a subprime loan company refer to your contract and that's the end of that I have tried for 2 months to work with them and gotten nowhere
Product: Mortgage

I received phone call on XXXX/XXXX/15 to say my mortgage payment was late, when in fact it was not late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  and list of Inquiries. 

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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report erroneous information on my credit report and will not allow my dispute to be processed. XXXX has removed these accounts as they were deemed fraudulent. Experian has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX XXXX # XXXXxxxx
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX XXXX XXXX Experian Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations.

Per

15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me.

I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues. Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$1000.00} per violation found on my consumer report Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION. 
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Product: Money transfer, virtual currency, or money service

Paypal is discriminating against poor people and the elderly by no longer letting you access your account without disclosing a cell phone number. This policy is being applied to existing accounts.

The government is tasked to ensure that business practices are fair and necessary and do not cause a disparate impact to protected groups.

I can live without doing business with Paypal. I am heartbroken that they have decided to mistreat their customers and not accept land line phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS TAKEN MORE THEN 30 DAYS TO RESOLVE ISSUE TO SATISFACTORY. I DEMAND THE ISSUE BE RESOLVED AS I COMMAND THROUGH CONSUMER PROTECTION LAWS. SITED BELOW : I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : 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 Experian is NOW in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave XXXX written instructions to furnish this information on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.