23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX XXXX XXXX XXXX a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX XXXX XXXX to remove this fraudulent information from Experian credit bureau and XXXX XXXX XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX XXXX XXXX agencies could not provide that information. I want this information removed IMMEDIATELY! I have attached my FTC affidavit.
Product: Checking or savings account

A check from my personal US Bank checking account was fraudulently deposited at another institution on XX/XX/2023. I immediately contacted US Bank about this fraudulent activity in XXXX ( the day after it was discovered ) and they have been dragging their feet in reimbursing me the fraudulent amount as guaranteed by their terms and conditions. It is over {$4000.00} dollars of fraudulent money taken from my checking account. I call in over and over and get excuses about why they haven't completed the investigation yet. It has been over three months and I am no where closer to getting my money back. I have called multiple times in XXXX, XXXX, and now in XXXX. I was sent information to complete, and sent it back but I receive no updates on my case. In fact they have never once proactively updated me on the status of my case ; I have to call in and wait to talk to someone in XXXX and even then they have very little information to give me. I am very upset since I am the victim of fraud and they do not seem to care at all about getting my money back to me.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I got a levy from this company XXXX. It is an account that is over XXXX years old. I would like to settle XXXX accounts ASAP.
Product: Checking or savings account

On XX/XX/XXXX I initiated an account liquidation for the XXXX time, after my previous attempts did not go through. 
After speaking to an agent on the phone I was told what I needed to do to request account liquidation. 
I specifically asked if there was any selling I needed to do beforehand to request this, and was informed that no I did not need to sell anything ( I had already sold my stocks weeks before to my understanding ). And that I could just request a transfer and he tells me the amount to put to make sure I get the full balance. 
I wait XXXX business days to have the transfer approved. And nothing happens. 
So I call and I am told " oh we need a bank statement to confirm that account and then approve the transfer '', although I was not contacted or informed prior to me calling that this was needed or requested. 
I spoke to XXXX who reassures me that she will do make sure this is handled right. She sends me a link to upload the document and I send it back within XXXX mins, I email to let her I know its uploaded. 
She repsonsds that she will get it sent to the approvals team to get it approved and that I will hear back within 2 days. 
2 days go by and I have not heard anything so I email ( XX/XX/XXXX ) and ask why havent I been informed on the status of my transfer. And I am told the transfer is approved and should be deposited within 3 days, I wait the 3 days, still no deposist. So I call my bank and they tell me that they do not see any pending deposists nor do they hold deposits. I call XXXX and ask to speak to speak to a a XXXX, I get XXXX who has no idea why the transfer had not been sent to me, but then tells me that there are holdins I need to put into my pie before I can transfer my money- which no one has told me way before needed to be done. I have no clue how to do this so he walks me through how to do it but my account although it confirms I moved over the assets into my XXXX it wont actually reflect that it has been done. We do it twice together on the phone, he informs me that he isnt sure why I cant do this action and that he will have to escalate the situation. And here it is XX/XX/XXXX and I still have not received any help to getting this resolved. 
This company is hard to get real help with and they do not promptly address issues espcially when it comes to my ability to get things done on my end when my acount wont let me make the changes needed, they have inhibited my abilty to use my account and I do not want my money sitting in tis account anymore. i want liquidate and close the account
Product: Credit reporting or other personal consumer reports

IM SICK OF THIS GARBAGE!!!!!

Trans Union needs to permanently remove the error message that shows up when Im trying to freeze and unfreeze my account. Ive filled a complaint before and they didnt take the steps to accommodate my request..

PLEASE Permanently remove the requirement for me to reach out and involve myself with a agent in order to unfreeze or freeze my credit report
Product: Mortgage

During our closing of our house via a VA Assumption Loan ( # XXXX ) with Navy Federal Credit Union, we the XXXX 's ( sellers ) were misinformed of the meaning of escrow documents. This misinformation was the explanation of why we did not receive the remainder of our escrow upon closing. I have e-mail documentation of this misinformation between our Loan Officer XXXX XXXX as well as NFCU has notes in their system from the calls I made. In addition once we figured through this particular issue, we were informed by XXXX XXXX ( XXXX 's Supervisor ) that we did not have any money in escrow. Upon investigation we discovered that somehow XXXX XXXX XXXX after the XXXX 's ( buyers ) requested a quote sent a request for payment to Navy Federal on XX/XX/XXXX. Even though at the time the account was already paid up in our name, Navy Federal still issued a payment of {$1000.00} from our account. A payment that took our escrow account to a $ XXXX. This was flagged by Navy Federal and a letter was sent to me asking for verification. I called and explained everything on XX/XX/XXXX and was told the payment was a bulk payment and a refund would be requested. Somehow this was not done and now XXXX XXXX does not want to issue a refund unless XXXX XXXX submits a written request. 

So my main issue is and I can not understand how ; 1. XXXX XXXX was even issued this payment without first talking to the members who own the account, 2. How XXXX XXXX is able to not refund money that was not for any active policy or validation of account ; and 3. Why the XXXX 's and XXXX 's as members have to figure out how to fix XXXX Institutions mistakes instead of the XXXX Institutions saying we will take care of it and just informing us of actions taken along the way. 

So, once this payment is finally refunded then we have to battle the fact that it will be refunded back to the Escrow account which due to the assumption loan is now in the XXXX 's name. The Escrow account balance before the payment that XXXX XXXX deducted was {$750.00}, our refund of our XXXX XXXX is $ XXXX some change, which is headed back to the Escrow account. Again do to the assumption loan the escrow account is not in our ( XXXX 's ) name. How do we get this almost {$1300.00} back to us the XXXX 's? The XXXX 's and XXXX 's agree and are openly communicating about this.
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Due to the promotion of the new account sign-up bonus, as they advertised, I opened a new premier account with BMO Harris on XX/XX/2022. 
I clicked the link on their website : https : //newaccount.bmoharris.com/online/servlet/SmartForm.html? formCode=dao & PRODTYPE=Checking & PRODUCTID=336 & COID=BMOP-06772Q-89QT8P3 And I followed the steps by filling out all the fields in the application. 
And one of the fields was an auto-filled promotion code. The promotion code was : XXXX. That was auto-filled in my application. 
The requirements are to have over {$7500.00} direct deposit within 90 days after the account was opened, then they will give me a {$350.00} cash bonus. 
I changed my direct deposit setting with my company. I deposited {$9600.00} from my payroll from XX/XX/2022 to XX/XX/2022. 
After I notice that I not only didn't receive my bonus on time but also I was charged a {$25.00} service fee! This fee was a hidden fee by the way. 
So I called BMO Harris. The representatives told me that I did not have a promotion code on my application, which is impossible as the code was auto-filled. If there was no promotion I had no reason to open this account. They must manipulate my account and delete the code from my application to avoid the payment they promised. 
I called at least 5 times, and every time I was put on hold for at least 30 mins and did not get any solution. I also tried to chat with one of the bankers, no solution either.

I was told twice that one of the managers will call me back during the day. I've never received any phone calls from the bank.

I feel this bank is a scam. I am very disappointed with their service. I request a solution to my unsatisfied experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company/creditor name : Santander ( auto lo an )  The company is incorrectly reporting information. they seem to be re-aging the account. The original open date of the account is   XX/XX/XXXX . Santander is reporting it as  XX/XX/XXXX .    The original date of the last payment was   XX/XX/XXXX . Santander reported it as  XX/XX/XXXX  and later updated it to  XX/XX/XXXX  ( after dispute filed  XX/XX/XXXX  ) This i nformation is only reporting incorrect on my  XXXX   XXXX  report. I filed a dispute with  XXXX   XXXX  on   XX/XX/XXXX  an d Santander updated the account but still has the dates wrong. According to my records and the  XXXX  other reporting agencies this account should have " fallen off '' of my credit report in   XX/XX/XXXX  .
Product: Vehicle loan or lease

On XX/XX/XXXX, I initiated an email to XXXX XXXX XXXX XXXX explaining that because of my XXXX XXXX XX/XX/XXXX, my income has decreased to the point of being unable to make the payments. I inquired about the possibility of rewriting the loan to lower the payment. I was elated to receive a call back from the company 's executive offices. The representative opened a case and began to research the various options. They concluded that although they were unable rewrite the existing loan, they proposed to allow the loan to charge off and subsequently draw up a new agreement with lower monthly payments. I was told that the executive office has the authority to act on behalf of the CEO, XXXX XXXX. I agreed to proceed with this plan. 
A few days later, the representative from the executive offices called me to explain that the file was being given to another individual in the Collections Escalation Dept. When I talked to this gentleman, he explained to me that the account was now in a " holding queue '' and would eventually be sent to another department. He assured me that he understood the plan to restructure the monthly payments after the account charges off. He advised me that if I made any payments to the account, it would prolong the charge off process. Therefore, it 's best not to make payments. 
Well, this gentleman never informed me when the account was turned over to the next department. The company never informed me when the account charged off, and when it was ready to execute the new agreement. On XX/XX/XXXX, we walked outside to find the car missing from the driveway. The company repossessed the car without a new agreement. I tried to reach the gentleman from the Collections Escalation Dept, but he has not made contact with me.

I sent a new email to the executive offices and they reopened my case but concluded that there is nothing that can be done. They are not honoring the agreement to restructure the monthly payments. I did n't respond to any system generated notices because I was led to believe my account was given special handling by the executive office.

Caution : I did n't have anything in writing. I trusted that my account was being handled at the highest level. Fortunately, the company recorded all of my conversations, but I do n't know how to gain access to these recordings.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX " Late Payments '' - XXXX, XXXX, XX/XX/2021 XXXX XXXXXXXX XXXX " Late Payments '' - XX/XX/2021 These companies shared Improper information on my credit report which is a violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report. I did not consent, nor benefit from the following information being reported on my credit report. Please fall in line with the laws that are set for consumers. Thank you in advance.
Product: Credit card

[ Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ] Subject : Dispute of Fraudulent Activity on Discover Credit Card Account Dear Sir/Madam, I am writing to dispute fraudulent activities on my Discover credit card account that was opened on XXXX XXXX XXXX with a balance of {$1200.00}. I am a victim of identity theft and abuse, as well as caregiver fraud during a vulnerable time when I was recovering from a XXXX XXXX XXXX in the hospital and receiving home care. 

During this period, the caregiver who had access to my personal information, including my phone, social security number, and other sensitive details, misused my data to open a credit card account with Discover without my consent. The unauthorized transactions made on the account are not reflective of my actions or financial decisions. 

I hereby request your assistance in investigating this matter and taking necessary steps to rectify the fraudulent activities on the Discover credit card account associated with my name. I urge you to prioritize this dispute as it has caused significant distress and financial harm. 

Enclosed with this letter, please find supporting documents, including copies of my identification, proof of residency, and any other information that may help in resolving this issue efficiently. 

I request no credit reporting during this investigation period and delete account from credit reporting agencies during investigation and close account I would appreciate your prompt attention to this matter and request your support in restoring my credit and financial standing. Please do not hesitate to contact me. 
Thank you for your understanding and cooperation in this challenging situation. 

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

I started the procedure of challenging illegal credit report inquiries on XX/XX/XXXX. They were delivered to XXXX, XXXX, and Experian by certified mail. Over XXXX inquiries are included across the XXXX reports. Even what pertains to an active account is beyond my ability to discern. I submitted a letter on XX/XX/XXXX, asking for an update on the letter I sent in XXXX because I had not heard anything on the outcome of my dispute. The final letter asking for a resolution to my disagreement was sent on XX/XX/XXXX, but there has been no answer. The credit bureaus have done little to protect my sensitive data, and I am concerned that someone may be utilizing it without my permission.
Product: Checking or savings account

I opened a new account at TD Bank and the bank made a choice to freeze the account and said it was possible fraud. Considering I opened up the account in the branch with photo identification this bank had no business doing this to the account. I believe this happened because I am a man of XXXX and XXXX I was targeted and discriminated against.
Product: Debt collection

Representatives named XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX contacted me claiming to be collecting on a debt owed to Citicard ... however when I try to verify the actual name of the company they work for they refuse to provide that information, in addition to any contact information such as address and phone number. In addition I was told they were also required to provide their professional business license number which they refused to do. However somehow this company has obtained access to my personal identifying information. This is the same company related to my last complaint completed under XXXX. Its obvious that they are fake debt collectors threatening to sue me for debt I don't have. First they claimed it was a debt with XXXX XXXX, then it was XXXX something, and now its Citicard. This is not right and they need to be shut down immediately for the fraudulent behavior.
Product: Checking or savings account

I have been on the phone for over an hour. Dealing with an overseas agent is horrible. communication, barely speak XXXX and tried to get my problem resolved. 
I spoke to agent XXXX ID XXXX who I asked over and over to please not transfer me to an overseas agent. They are in room with many people and the communication is poor.

He stated I can not guarantee that. I kept calmly begging and needing his persmission to speak with a US agent. it made no sense to me. I asked the agent to stay on the phone. this has been going on now for 30 minutes. As a punishment, he transfers me to the fraud department accuses me of fraud when he has no idea who I am and that is not the case at all. I speak with XXXX who does not handle disputes which I have only did one other dispute on my account. XXXX ID XXXX who was and explained why am I being transferred to you when you can not assist me as he is in the fraud department and was aware of that. I was treated very badly for no reason. 

The amount of the dispute is {$420.00}. This was paid under false pretenses with the payee I have a right to dispute for very good reason. In the past the payment failed with XXXX XXXX many times and I will not be using bill pay with XXXX XXXX. I want to disoute the tranaction and if my own bank does not want to assist and the act that I only made one other dispute with my bank account is a red flag and misleading. Capital One was sued by the CFPB just recently. To go through all of this to dispute a payment is unfair and deceptive business practices.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Non-Compliance with FCRA by Equifax. Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Reporting Agency, e.
g., XXXX ] regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute I submitted about inaccurate information on my credit report. Despite my repeated requests, [ Credit Reporting Agency Name ] has not provided proof of how they verified the disputed information, which I believe is a clear violation of FCRA requirements. 

Details of the Complaint I submitted a written dispute to Equifax regarding inaccurate information on my credit report. Specifically, I requested the removal or correction of the following information : I followed up multiple times, on requesting a detailed response explaining how Equifax verified the disputed information. To date, I have not received any documentation or specific details regarding the verification process, despite my requests, which is my right under the FCRA. 

FCRA Non-Compliance the FCRA mandates that consumers have the right to be informed of the methods and sources used by credit reporting agencies in verifying disputed information. By not providing this information, I believe Equifax is not adhering to federal requirements designed to protect consumer rights and ensure accurate reporting. 

Request for Assistance I request that the CFPB assist in holding [ Credit Reporting Agency Name ] accountable for its lack of transparency and non-compliance. Specifically, I would like the following actions to be taken : Equifax should provide the documentation of how they investigated and verified the information in question. A thorough review should be conducted to ensure compliance with FCRA guidelines. Enclosed with this letter are copies of all correspondence, including my initial dispute letter, follow-up requests, and any responses ( or lack thereof ) from Equifax. I hope the CFPB can assist in resolving this matter to ensure the protection of consumer rights. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal regulations and a prompt resolution.