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

I was the victim of check fraud when I mailed 2 checks to XXXX XXXX XXXX  to pay my XXXX. The checks were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX made payable to XXXX XXXX XXXX. These checks were stolen from a post office box in XXXX and the payee was altered to XXXX XXXX and then both checks were deposited into her XXXX XXXX and cleared by XXXXXXXX XXXX Chase Bank. 
XXXX XXXX XXXX XXXX has reached out to Chase for reimbursement numerous times. Finally, they received reimbursement for the {$2400.00} check. Chase is now saying the check for {$3900.00} has my forged signature when it is clear from both checks that my signature is identical. It is the Payee that was altered, not my signature and therefore, the responsibility lies with them for cashing these checks without authorization. 
XXXX XXXX XXXX sent me a response that I should be filing a complaint with your department. 
I have attached copies of the 2 checks as I wrote them out. I also have attached copies of the same 2 checks showing the altered payees. The backs of the checks note they were deposited into her XXXXXXXX XXXX. Police reports from XXXX and XXXX are also attached. 
Please correct this injustice
Product: Checking or savings account

Dear CFPB- Thank you for taking the time to hear my complaint. 

1 ) An EDD Bank of America was created while I was a resident in XXXX XXXX an est 15+ Years ago. 

XXXX ) I made multiple attempts to close the account when I moved from XXXX XXXX CA to XXXX XXXX XXXX California over a 10 years period. Multiple attempts to close the account were made to California 's EDD Dept., at a Bank of America branches and then finally the Banking Commission.

3 ) After contacting the Banking Commission a representative from Bank of America contacted me. He said there's nothing they can do, I need to contact California 's EDD office. This was two years ago. 

XXXX ) Today, XX/XX/2023, I receiving another Bank of America statement. 

Any help in closing this account would be most appreciated. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022
Product: Money transfers

I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.
Product: Debt collection

I had filed a previous complaint and listed it as wrong original creditor they werent XXXX XXXX but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about XXXX XXXX. I attempted to clear this matter with them by filing a dispute through XXXX and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
Product: Debt collection

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts from my credit ASAP. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

Capital one has listed an open credit card on all my credit reports. I filed disputes with all credit monitoring agencies and Capital one says the information is accurate despite it actually being a fraud account. I never opened any capital one account in XX/XX/year>. Capital one won't answer the phone or the wait times are excessive. None of the credit bureaus seem to want to help either.
Product: Checking or savings account

In XXXX, I got a VA secured mortgage with BB & T in XXXX, NC. They told me that I qualified for a free XXXX XXXX XXXX account because I had a mortgage with them. In XX/XX/XXXX, BB & T started charging me {$30.00} " maintenance fee '' and a {$5.00} " return statement '' fee. I never got the statement but they a {$5.00} return statement fee. I was never informed of these fees or of the change in XX/XX/XXXX. These fees total {$1400.00}. I requested from BB & T for a refund of {$1400.00} but only got an offer for {$75.00}.
Product: Mortgage

During closing it was discovered that the lender has miscalculated the transfer tax of the property that I was purchasing. A phone call was made to the title company ( at the closing table ) to get the problem resolved. The title company contacted the lender, got the new transfer tax approved and sent us the new Final Closing Disclosure which was signed and notarized at the closing table. As a result of this change the final disclosure that we were sent and I signed showed that I was supposed to receive approximately {$2100.00} back from the title company as a refund of what I had wired to them for closing. I contacted the title company later that afternoon to give them information to rewire me the funds and they indicated that they had already sent me a check in the mail for {$55.00} which was what they owed me. I was told I had to then contact the lender to find out why my refund had been so drastically reduced. After several days on the phone with several different people at the lender, most of which would never answer or call me back, I discovered that the document we signed at closing and had to be approved by the lender was not what they say they sent to the title company as the Final Closing Disclosure. The only time I got to see the Final Closing Disclosure the lender says they approved was after it was emailed to me after being on the phone with the closer from the lender for several hours and him not understand my complaint. No one else, the notary, either realtor, myself, had seen the closing disclosure the lender says they sent until the end of the day of closing when I got it emailed to me as described earlier. Neither the lender or the title company currently is helping me out or finding someone at either business who can help me out. However I believe the money that is owed to me is the difference between my wire transfer to the title company for closing and the " Cash to close '' that was listed on the Final Closing Disclosure that WE SIGNED AT CLOSING AND WAS NOTARIZED AS SUCH. The lender says the lender credit due to me had been reduced because of the reduction in the tranfer tax which is why the cash to close went up on the version they say they approved. The pictures attached show the XXXX and XXXX pages of the final closing disclosure of the XXXX the lender approved ( higher cash to close and lower lender credit ) vs. the one that we signed at closing ( lower cash to close and higher lender credit )
Product: Mortgage

Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule, your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated " Please note the new appraisal will not be taken into consideration, this wrong statement. According to Federal Housing administration " one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong, they are not following the rules and regulations of FHA procedure.
Product: Checking or savings account

On XX/XX/XXXX Friday shortly after Bank of America opened ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) I entered and proceeded to be ushered to the teller to make it withdrawal that I make normally around Ohio with the same basic procedure. I realize the Bank of America employees dressed very well in contrast to myself that dress very modestly. I could tell this made her feel uncomfortable, And or thought that I was out of place. I confirmed my identity by providing my photo ID at that point the teller texted me a code to my phone in order to confirm who I was by signing into my online account which her computer would confirm the success a regular procedure that usually occurs. To teller also asked me my social security number in which I provided off the top of my head without going into my wallet. The teller to ask me a few more questions to confirm and then she also couldn't accept any of the information I gave her and after trying very hard I was unsuccessful in making a transaction as I walked away after explaining to the teller that I can still make transactions online pay bills move money around but I just need to get money to fix my car she laughed and her coworker the XXXX XXXX XXXX XXXX I believe said that's not funny and I didn't realize what that meant until I went to a bank which I knew was more familiar with me from pass withdrawals and this teller froze my account beyond any freezing I have ever been frozen before and after identifying myself to the extent that I did and her not accepting that this was my identity I realize that this was discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I checked my reports and found fraud on my profile that is being reported to all three bureaus. Under the FDCA, any accounts in question which is under investigation can not be furnished or reported until the original creditor rights, the correction and the entirely of the investigation is deemed fit by creditor. 

XXXX received ( 3 ) forms of identification from me in which they corrected a few things but recently sent an another verification saying they can't make right until I show identity again. 

Verification were sent out to all companies in which I have yet to hear back giving the 30 day deadline. Items still remain on peoples credits even under investigation or litigation.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Checking or savings account

My Marcus saving account was locked on XX/XX/XXXXXXXX  when I tried to transfer money from Marcus to my XXXX account under my name. I have a total of XXXX in the saving account. It is not my responsibility to verify one of my financial institutions- when I link the XXXX account to Marcus or when I transfer money in Marcus, they have verified my identity. 

I tried to contact Marcus multiple times during the past one and a half month but until today, I still didn't receive any progress. 

I made my first phone call to Marcus on XX/XX/XXXX. They refused to tell me why my account is locked. On XX/XX/XXXX, I called Marcus, they refused to tell me why my account is locked. They said they would send the affidavit of identity ( the letter to verify my identity ) will be sent out in 5 business days. 

On XX/XX/XXXX, I called again, they said the affidavit of identity is pending approval, which may take 1-3 business days. 



I want to close my Marcus saving account and get my money back ASAP. I've been dealing with this issue with Marcus for 1.5 months now but received no progress. 

On XX/XX/XXXX, I called one more time, after letting me wait for 56 minutes in total, they said the letter is waiting the approval of support team, which will take 5 more business days. 

XX/XX/XXXX, Marcus said they still need 3 more business days to send me the identity verification letter. 
XX/XX/XXXX, They closed my complaint, and claimed that the letter was sent on XX/XX/XXXX, which contradicts to their previous claims on XX/XX/XXXX that the letter wasn't sent out. 

This is just the very first step to unlock my account, which already takes one and a half month. I don't think waiting will solve this issue. I want to get my money back and close the Marcus account permanently because of the experiences above. 
I have wasted 6 hours on phone but got no results. I need to pay my rent, credit cards, and medical bills. I also want {$500.00} compensation for all my financial, mental, and time loss during this one and half month.
Product: Credit reporting or other personal consumer reports

I am writing to report serious concerns regarding XXXX, XXXX, and Experian. Despite submitting several disputes, the errors on my credit report remain unresolved. The specific issues are as follows : Disputed Account Not Labeled ( FCRA 623 ( a ) ( b ) ) : The disputed account has not been updated to reflect its disputed status, as required by law.

Incorrect Reporting of Date of Last Activity ( FCRA 605 ( c ) ) : The date of last activity listed is inaccurate and should match the actual date of my last payment.

Failure to Validate a Collection Account ( FDCPA 809 ( b ) ) : I have requested validation of a collection account, but it has not been properly verified.
Product: Debt collection

I recieved a garnishment order for a little over XXXX $ from XXXX XXXX XXXX XXXX. XXXX i was garnished 100 % of my wages and my payroll company said that was considered paid. I recieved no written documentation stating that they were taking a settlement. Now i can not pay rent or my bills or car payment. I've been trying to call the law office for 2 weeks and have recieved no call back.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my TransUnion credit report, as well as to express my concerns regarding TransUnion 's failure to respond to my initial contact on XX/XX/XXXX. As a responsible consumer, I believe that TransUnion is bound by federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ), to ensure the accuracy of the information reported on my credit profile. 
On XX/XX/XXXX, I contacted TransUnion to address the following inaccuracies on my credit report, and as of today, I have not received a response. The details of the incorrect information and the required corrections are as follows : The following account was never late : Creditor : XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$16000.00} Please correct/update this inaccurate information on my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The information indicated on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) is imprecise. The Balance of {$390.00} that you state for this account is higher than the amount that I remember. You should remove the amount indicated in the Past Due section because this account has a closed and charged-off status. I plan to have a conversation with the creditor of this account to clarify all of the reported data. Until the appropriate corrections are made, please mark this account as disputed. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$3500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$6000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$4500.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2000.00} Please remove it from my credit report. 


The following account is not mine : Creditor : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on ( 11/13/2024 ). According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted. Equifax, Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a letter from Citibank thanking me for opening a checking account with them. I did not open a checking account with them. I called Citibank and explained that I was a victim of identity theft and that I did not open that checking account. I was told that this matter would be turned over to the fraud department and that the account would be closed. I never received any written documentation of their action. I filed the identity theft issue with the FTC and sent 2 certified letters to Citibank requesting that the checking account be closed, that the inquiry be removed from my credit report and asked that they send me written documentation of these actions. The first certified letter was mailed on XX/XX/XXXX, with no response. A follow-up certified letter was mailed on XX/XX/XXXX, with no response as of today.
Product: Debt collection

i was a victim of identity theft and theirs a XXXX credit card account on my credit report that does n't belong to me. United collections bureau are contacting me non-stop trying to collect the debt from me.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023, to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$5700.00}.