23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been trying for months to remove this account off of my report. This account was not authorized by me. I have recently been informed of being a victim of identity theft. I have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, XXXX and XXXX are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isn't possible for me to give written consent on a account that wasn't open by me. They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said, I demand that the following accounts be removed from my credit report : PRINCE PARKER AND ASSOCA {$4200.00}.
Product: Money transfer, virtual currency, or money service

Housing Scam on XXXX using Rently lockbox code. 

" XXXX XXXX '' person was able to allow us access into a home he claimed as his own verbally and via text msg. He gained access using a Rently lockbox code. He claims to be the owner and Intends to " meet '' us Sunday XX/XX/2021 at XXXX with keys, confirmed with XXXX XXXX they are the owner so I have no intention of meeting this online scammer. I did not send the additional {$500.00}, however I did lose {$2200.00} via XXXX transaction. 

He told us to pay a deposit of {$1000.00} to secure the home as a rental for 1 year, this person also took another {$1200.00} for " 1st months rent. '' and planned on using a locksmith to remove lock box and change all the locks on the property asking for an additional {$500.00}. 

sent to : XXXX The property he claimed ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Locksmith '' XXXX  XXXX I contacted my bank Chase, they denied my claim immediately and did want further information on my scammer who is still out there.
Product: Debt collection

This debt collector has unlawfully reported me to the credit bureaus as having a collection account for XXXX, despite my explicit request for written verification of the alleged debt. A representative from their company contacted me several months ago, and I clearly informed them that I would not confirm any details over the phone until I received a written notice regarding this debt, including proof of their licensing to collect in my state. The representative abruptly hung up on me and failed to follow up with any written communication. 

Since then, I have not had any further contact with this entity and reasonably assumed the call was a scam, a common occurrence in todays climate. Now, due to their irresponsible reporting, my credit score has plummeted by XXXX points, an unacceptable and damaging consequence. According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written notice of a debt within five days of their initial contact ( 15 U.S.C. 1692g ). Furthermore, under the Fair Credit Reporting Act ( FCRA ), no debt can be reported to the credit bureaus until the consumer has received this required notice ( 15 U.S.C. 1681s-2 ). Their failure to comply with these provisions has directly harmed my credit, which is particularly troubling as I am disabled and now dependent on SSDI. I can not afford to have my credit tarnished without proper validation of the debt.

If I truly owe this debt to XXXX they should have sent me a formal letter, as the law dictates, before engaging in credit reporting. Their failure to do so has caused irreparable damage, and I demand immediate removal of this collection account from my credit reports, along with full verification of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of 2019 I paid my car notes on time to Credit Acceptance Corporation. In spite of them giving me a payment plan, and I paid all my bills as discussed, I paid on time. I paid them lump sum in to catch all of my past due but they still reported me as having paid late and I was not.
Product: Debt collection

I request your urgent assistance in investigating and eliminating these fraudulent accounts from my credit report XXXX XXXX  XXXX this identity theft has caused significant distress and potential harm to my creditworthiness.
Product: Consumer Loan

Vehicle loan with B of A was paid in full in XXXX 2013, but there were late charges that had accrued over the life of the loan. I disputed these charges and it took several months before B of A finally responded. My parents paid the late charges on the loan in full thereafter. However, B of A is still reporting the ENTIRE loan as a charge off on my credit reports, not just the late charges, and is not showing it as paid as agreed.
Product: Mortgage

New Mortgage with Nationstar on XX/XX/XXXX. Payments of {$1300.00} monthly at 3.5 %. Note states payments to start on XX/XX/XXXX. Loan set up with no escrow acct. as we pay our own taxes and insurance. ( Note attached ) On XX/XX/XXXX, I tried to get a loan modification. This was denied by Nationstar on XX/XX/XXXX. ( Denial Letter attached ). My monthly payments continued on time. 

In XXXX of XXXX Nationstar decided to set up an escrow account for our mortgage without my knowledge or authorization. When I received the new mortgage payment I called Nationstar to find out what had happened. I never got a straight answer from any staff member and no one knew why the escrow account had been set up. In my recent correspondence with Nationstar, they claim that it was due to the modification denial. That makes no sense since the denial was in XXXX. Then they also tell me that the escrow account should have been removed at the time of the denial. Like I reported prior, there was no escrow account set up in XX/XX/XXXX. 
In the consequences of Nationstars error in setting up and removing the said escrow account my XXXX payment which was received by Nationstar on XX/XX/XXXX, was reported DELINQUENT to all XXXX Credit Bureaus. 

This error of Nationstar stays on my record as " too many delinquencies '' for 7 years. 

I have been communicating with Nationstar for several months now and they refuse to correct this mistake. They continue to claim they never received my payment until XX/XX/XXXX due to placing my payment of {$1300.00} received by them on XX/XX/XXXX into an " invisible escrow account '' PS : I am attaching only one correspondence between myself and Nationstar but there are several more. Please let me know if you want me to send them. They have already seen them. Not sure they read or paid any attention to them. 

Also since there have been many communications between Nationstar and myself already and no resolution please let me know where else I can venture to get a resolution. Nationstar has already proven they will not budge.
Product: Checking or savings account

Discover has removed the ability for a lot of individuals to use the XXXX feature to send money. A lot of the people affected by this include those who were previous customers and had previous access to the XXXX  feature. The company claims this in for fraud reasons but I have had previous access before and I make payments from that account through XXXX.
Product: Checking or savings account

I have been without my new ( renewed ) ATM Card sinceXX/XX/XXXX  I have sent myriad requests to obtain my new ATM Card. I've been told that it has been sent to me sinceXX/XX/XXXX ( 1st that it would take 15 days, then 30 days, then 45 days ). Today isXX/XX/XXXX and I have still not received it. This is my 2nd complaint to XXXX and my American bank has not responded to your first request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to update the status of accounts despite me providing information from the creditors agreeing to delete tradelines. Inquires deemed fraudulent by two other bureas, Equifax refuses to acknowledge. Any conversation ends with the customer service representative hanging up and the dispute status online never updates
Product: Checking or savings account

Bank of America report fraudulent activity in the XXXX, When no fraudulent activity occurred. The account was closed and fully paid due to the fact that the bank let someone who worked for them access my checking account and stole money from the account. Therefore, my husband and myself closed the account and paid off the outstanding checks which totaled {$1000.00} in XX/XX/2016. My husband and myself are experiencing XXXX and XXXX due to the illegal actions of this bank. We have contacted them numerous times to remove the fraud statement from the XXXX  and no resolution has been forthcoming. We have been unable to open a checking account since 2016, it has been a hardship to my family during these difficult times
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have been a Bank of America client since XX/XX/XXXX. I have never had an overdraft, a NSF, or a returned check. My checking and savings accounts with Bank of America are in perfect standing. 

In XX/XX/XXXX, I was approved for the Bank of America Travel Rewards Visa credit card with a credit limit of {$2000.00}. I have never missed a payment and my account is, as far as I know, in perfect standing. 

On XX/XX/XXXX, Bank of America sent me a letter stating, This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the banks risk tolerance. 

As of XX/XX/XXXX, I had over {$100000.00} on deposit with Bank of America. As of XX/XX/XXXX, the total credit available to me from Bank of America was {$7000.00} across two Visa credit cards. Both credit lines were closed, without warning, by Bank of America. 

Despite the fact that the funds on deposit are at least 14 times greater than my available credit, and my payment history is 100 % perfect, the bank claims that there is a problem with my risk profile. 

I have contacted multiple departments within Bank of America, even writing to the Office of the CEO, and all I have been told is that my account is closed, the decision will not be reconsidered, and Bank of America has no obligation to tell me why I am being denied credit.
Product: Credit card or prepaid card

This account was closed by mistake. I had intended to pay it to a {$0.00} balance with a debt consolidation loan, but the lender sent a letter to some of my creditors asking they they close the account without my knowledge or consent. I have tried repeatedly to correct this and am going through this issue with several creditors and have had no issue with most of them but I am being repeatedly told that Synchrony will not reopen the account for any reason even if the request was in error or unauthorized.
Product: Checking or savings account

On XXXX at approximately XXXX est while attempting to deposit a cash deposit using my atm debit card issued by Huntington Bank the kiosk experienced a system error and proceeded to shut down for no apparent reason. After contacting my bank located in XXXX, MI. XXXX immediately during this transaction a representative ( XXXX ) told me that the bank does not handle atm deposits they could not help and directed me to contact the phone number on the machine. After the machine shut down not returning my cash or my atm card and not issuing me a receipt I pulled away from the kiosk and contacted the number for customer service. The initial representation I spoke with was not able to answer my questions and concerns so I asked to speak to a supervisor and was transferred to ( XXXX XXXX ) who after speaking with for 15 mins began to open a case # ( XXXX ) in regards the error. I was informed that this sorta thing can happen and was likely due to a system update and the investigation process to return my funds and card can take up to 45 days. That is NOT acceptable! I stated to XXXX XXXX that I was not in a position financially to wait that long for them to due an investigation as I have obligations allocated for those funds. He ( XXXX XXXX ) also told me by filing a complaint with this agency, would lengthen the process and that they would not be held accountable for any fees or charges that I would incur because of the error in the machine. Again NOT acceptable! I am seeking the attention of this matter to be escalated to locate my deposit, my card and monetary damages associated with the company 's errors. I was not given the company 's name who handles the Atm kiosks by ( XXXX XXXX ) as he refused to provide me with that information repeatedly claiming it would be a security breach. ( XXXX XXXX ) also provided a false corporate phone number for Huntington bank and expressed to me that by bringing this matter to your attention and/or to the attention of the public via social media I would be risking the possibility of a possible unsuccessful return of the investigation. Given me an ultimatum to not voice my opinion is a violation of my rights NOT acceptable. So many things are wrong here I dont even know how this could ever happen to anyone and take so long to rectify, I'm absolutely horrified at how this bank operates and will be closing my account as soon as this matter is adjourned with compensation in my favor for having to undergo this whole process. Thank you for seeking a positive outcome on my behalf I look forward to your response.
Product: Checking or savings account

From XX/XX/2018 to XX/XX/2018, CitiBank was running the following promotion : 1. Open a Citibank Account Package online at https : //banking.citibank.comXXXX XXXX 2. Deposit {$15000.00} within 30 days of opening the account 3. Maintain {$15000.00} for 60 days in the account 4. Receive {$400.00} within 90 days of meeting all the requirements.

As of today I met all the requirements of the promotion and allotted the 90 days to pass and have not received my {$400.00}. Below is a summary of the actions I took to meet the terms of the promotion : 1. I opened a CitiBank Account package online on XX/XX/2018 at https : //banking.citibank.comXXXX XXXX 2. deposited {$15000.00} on XX/XX/2018 ( within 16 days of opening the account ) 3. maintained the {$15000.00} deposit with Citibank until XX/XX/2018 ( 64 days ) 4. Allowed the 90 days to pass from meeting the terms of the promotion ( XX/XX/2018 ) I contacted Citi on XX/XX/2018 and their representative confirmed I had met the bonus requirements but were not able to tell me why the bonus had not been deposited into my account. I was then informed that they would open an investigation that could take up to 30 days to complete. I informed them that they acknowledged that I met the requirements so there was no reason to wait and to deposit the funds in my account. I gave them until the end of the business day on XX/XX/2018 to provide the {$400.00} or I would file a complaint with the CPFB. 

I elected not to wait for the Bank to complete their investigation as there are several reports on the internet that Citibank uses this tactic to not pay out the bonus. In those cases, only a complaint with the CPFB has resolved the issue in a timely manner.

Below is a link of several other Citibank customers who had to file a complaint with the CPFB to get their bank bonuses : https : XXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX https : XXXXXXXX # comment-XXXX https : XXXX # comment-XXXX
Product: Debt collection

I am writing to express my concern and seek clarification regarding a debt reported by Hunter Warfield. Until last Friday, I was unaware of any outstanding debt or even the existence of your company, as I had never received any previous communications or contact information. 

This issue came to my attention only after discovering that my account had been placed in collections, which I learned about through a negative report on my credit history. This unexpected report has adversely affected my credit score and prevented me from endorsing my niece 's student loan application. 

I have attempted to resolve this by contacting your customer service, but my calls have been repeatedly dropped, and my emails remain unanswered. I urgently request your assistance in clarifying this matter and would appreciate a prompt response with the relevant documentation and contact information. 

Thank you for your immediate attention to this important issue.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/2XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022
Product: Credit card

I applied for this card on XX/XX/XXXX. I was approved. They advertise that you get immediate access to your credit by adding it to your virtual wallet. That was false! said I could add the virtual card to my XXXX XXXX  until the physical card arrived. I never was able to add it to my virtual wallet and called in and was told to wait for my physical card. My card was mailed out on XX/XX/XXXX and received by me on XX/XX/XXXX. I activated the card and tried to make a purchase but it kept declining. I called the card issuer today and was told that they closed my account on XX/XX/XXXX, the same day that they sent this card out. They wouldnt give me an explanation for the closure and keep saying that they can choose to close an account at anytime without notice. My credit report will now reflect a hard inquiry as well as an opened then closed account. This is a fraudulent company that participates in misleading business practices to receive annual fee payments from consumers who are tying to rebuild credit.
Product: Checking or savings account

I had made a complaint about my account funds not being available and I called to asked them what was going on because I clear have funds in my account and that could not explain what had happen so I thought maybe I was behind on a payment being this was my first time having a bank account and tried to deposit a check and they closed my. Account with our warning or explaining why it was being closed but I still get emails about my account that is closed I don't under stand I'm missing a total of {$6000.00} I have to recover from the m
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX XXXX XXXX XXXX  Greetings, PLEASE REMOVE ANY ACTIVE FRAUD ALERTS, EXTENDED FRAUD ALERTS, PROMOTIONAL BLOCKS, OR ANY OTHER NOTATIONS OR PERSONAL STATEMENTS THAT I, THE CONSUMER, DID NOT REQUEST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. ENCLOSED WITH THIS LETTER ARE DOCUMENTS THAT VERIFY MY IDENTITY. I EXPECT THESE ALERTS TO BE REMOVED WHEN THIS LETTER HAS BEEN RECEIVED. PLEASE NOTE THIS LETTER WILL BE SENT VIA CERTIFIED MAIL FOR TRACKING PURPOSES. I APPRECIATE YOUR DUE DILIGENCE IN REMOVING THE EXTENDED FRAUD ALERT, INITIAL FRAUD ALERT, OR ANY OTHER ALERTS, PERSONAL STATEMENTS, OR BLOCKS. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No signature provided to avoid duplication ) ENCLOSED WITH THIS LETTER : Identification Social Security Card Utility Bill
Product: Checking or savings account

{$420.00} was taken from me from MoneyLion Ive called multiple times to get my money back from them they said I cant transfer to my other bank account. I had my work pay in there?
Product: Mortgage

After checking Regions Bank online resources in XXXX  2024 we decided we wanted to request a modification to our mortgage. Our goal was to pay {$50000.00} to principal and have our loan recast to lower our monthly payment amount. We were able to see some basic information online but I called customer service for additional detail and to see what was needed to initiate the process. I was advised that the request had to be made in writing. We completed a written request and paid {$50000.00} at our closest branch location. I then followed up with a call to customer service to see if the process had started? I was advised that there was a {$270.00} fee. I went ahead and paid that over the phone during the call and was advised that the request would be processed and we would receive updated documents in the mail with the updated terms. At no point were we advised that this was time sensitive and required notarized signature. A full week later we left on vacation. On XX/XX/XXXX we returned home to find the paperwork which stated it had to be signed, notarized and returned by XX/XX/XXXX. I immediately called Regions customer service at which point I was advised that it wasn't a problem and to just return asap and that the loan would updated. I questioned this with the representative but assured it was not a problem. We made an appointment at a Regions branch for assistance with notary and then sent the documents back via XXXX XXXX. After a week had passed I contacted customer service since our loan still looked the same online. I was then advised that we had to start over since the documents were not returned in time. If we had been advised of this on the previous call we would not have wasted our time getting the docs notarized and returning. A few days later we received a letter in the mail confirming that we needed to submit a new request. A check for {$270.00} was returned to us ( fee ). The letter advised that we could submit a new request with {$260.00} fee. Again, I called customer service since the amount requested did not match what we had previously paid. After a lengthy hold we were advised that there was a " typo '' on the letter and the fee was in fact {$270.00}. 

Bottom line is we had to start the process over since apparently our original request to recast was no longer valid. We have since done everything required and the situation is resolved with our updated payments effective on XX/XX/XXXX. 

The main concern is the sub standard customer service on this matter. We made the {$50000.00} payment on XX/XX/XXXX and this process should not have taken so long to complete. Our experience was not a good one. Customer service representatives were extremely lacking. We should have been given the details on the full process during our very first call. Misinformation or lack of information from Regions representatives as well as a typo on their correspondence resulted in unnecessary delays.