23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 I received a document, ( issuing date XX/XX/2019 ) from Citizens One XXXX   XXXX a subsidiary of Citizens Bank, XXXX entitled " Closing Disclosure '' that was labeled " This form is a statement of final loan terms and closing costs. '' which I interpreted to be the end of all formal requests ( or changes connected ) with the loan my wife and I had applied for. I called the local sales manager, XXXX XXXX, and asked for clarification regarding the amount of the Cashier 's Check that should be obtained and bring to closing. He advised that the check should be in the amount stated in the Closing Document I received, the amount of {$47000.00}. I had such a check cut ( see attachment ) on Monday at approx. XXXX XXXX on XX/XX/2019. My wife XXXX called me later in the morning of XX/XX/2019 and advised me that she was informed by Ms. XXXX, Mr. XXXX 's assistant, that the amount on the Closing Disclosure I had in my possession was in error. Repeat : the amount that I had confirmed with the manager, Mr. XXXX, was in error and did not jibe with what his assistant, Ms. XXXX, claimed it should be. XXXX XXXX contended that the now correct amount was {$48000.00}. At approx. XXXX XXXX XXXX on XX/XX/2019 I received a piece of mail from Citizens One ( Rhode Island office ) with exactly the same document I had received from them on XX/XX/2019 and it is so enclosed. That document that I opened on this date contained the same information without a wit of difference. Period. When does a statement of " final loan terms and closing costs mean '' what it declares? What rules is this bank trying to play by? The Closing Disclosure received on XX/XX/2019 was precisely ( repeat precisely ) the same Closing Disclosure I received on XX/XX/2019 ; it had precisely the same information, and apparently the same mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries reporting on my report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear XXXX Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : XXXX XXXX XXXX XXXX To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC , A copy of my government-issued identification for verification purposes. 
A copy of a recent utility bill to confirm my current address. 
I request that you : 1. Block all fraudulent accounts identified in this letter. 
2. Permanently delete these accounts from my credit report.

3. Notify any creditors involved about the fraudulent nature of these accounts. 
4. Provide me with written confirmation once the fraudulent accounts have been removed. 
I expect a prompt investigation and resolution of this matter, as required by law. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX XXXX : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Mortgage

On XXXX XXXX, 2016 a Qualified Written Request was sent to NationStar. No response to this request was ever received. This violates XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX where a written request is required to be responded to not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the receipt from any borrower of any qualified written request. A confirmation fax concurred that NationStar received the fax to XXXX. There currently is a foreclosure sale on the property for XXXX XXXX, 2016 when they have not proceeded properly with providing the factual information on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

my cfpb account # is XXXX. 
I just checked my credit score. My Credit Score messed up due to the issue of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. 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.
Product: Prepaid card

XX/XX/XXXX I was arrested bye the police ... after my arrest someone took my personal belongings including my wallet and debit card. Unfortunately I was sent to prison for three years ... During this time my card was being used for multiple purchases and withdrawals.. I did not authorize these transactions and I had no clue where or who had my card ... After my release I looked at the transactions and seen my account was drained. I notified police and they suggested I notify the bank no report could be filed because it was two years prior ... the total unauthorized transactions were about {$13000.00} claims dept denied me twice.. I provided supporting document of my arrest and the release date if my incarceration. I am a legitimate victim and bank of America has added insult to injury... I was incarcerated between XX/XX/XXXX and released XX/XX/XXXX please help me recovery funds
Product: Checking or savings account

Credit Karma closed my Spend ( checking ) account without notice and is blocking me from withdrawing my funds from my Savings account. Despite repeated attempts to resolve the issue, their customer service has been unhelpful, providing inconsistent answers and refusing to escalate my case properly. 

Details of the Issue : 1. Account Closure Without Notice : My Spend account was suddenly closed, and I was not notified in advance.

2. Blocked Savings Withdrawal : When I attempted to withdraw funds from my Savings account, I discovered that the linked external bank account was incorrect.

3. Technical Issues Prevent Resolution : I was unable to update my linked bank account using the Credit Karma app or website.

4. Customer Service Runaround : I contacted Credit Karma via chat and email multiple times over 12+ days, spending over an hour daily trying to resolve this. 
Several agents walked me through the same steps, acknowledged the issue, and promised a resolution, but no action was taken. 
I was repeatedly told my case was escalated but was not provided any contact names, departments, phone numbers, or emails for follow-up.

5. Inconsistent Information & Stonewalling : Some agents told me a check with my remaining balance could be mailed, while others said this was not possible. 
When I requested account closure, one agent said they would proceed, but they abruptly left the chat. 
Another agent picked up and told me my address was incorrect ( despite it being correct in my app profile ). When I questioned how they knew it was wrong, they refused to answer and ended the conversation.

Impact on Me : Financial Hardship : This money is needed for rent and groceries.

Extreme Stress & Frustration : I have spent over 12 days and countless hours trying to get my own money.

Resolution Requested : I want immediate access to my funds and a clear explanation for why I have been blocked from withdrawing my money. I also want Credit Karma to be held accountable for the lack of transparency and misleading customer service.
Product: Debt collection

I advised ARS Account Resolutions that I was a victim of identity theft and that the debt was not mine. I have submitted them a copy of the police report. They have yet to remove the debt. Also, they are reporting negative to all 3 bureaus and I have submitted the company and the credit bureaus a copy of the police report. This is detrimental to my job and livelyhood to keep a clean credit file. One of the items is for {$58.00}! When calling the company today they advised they will not remove the debt and I need to pay it or charges will be filed against me. I want all 3 items removed ASAP from all 3 bureaus and Im filing a complaint with XXXX, FTC along with CFPB for unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is willingly and knowingly, disobeying the credit laws at their own benefit and discretion. Equifax has remained to stand against my disputes requesting that they remove a fraudulent account and multiple inquiries. It has been months since i've first initiated a fraud dispute and i've gotten little to no responses with no verification or clarification how they can say the account and inquiries Equifax is keeping on is in fact undoubtedly mine. There's no way that they could have proved this during any type of investigation when i have never had any relationship with these creditors, i've never shared any personal info with these creditors or anything. I was never notified that these items were in anyway, somehow verified and i was never presented with any verification evidence. I was sent letters by both creditors in respondence to my disputes with their own verification departments, and the account creditor and the inquiry creditor, both deemed activities were fraudulent, not being my responsibility. I am just now sending these confirmation documents to Equifax through faxing and i am including CFPB to oversight this exchange online, so i can feel more confident that all will be done appropriately and correctly. I ask Equifax to do their jobs and remove these creditors from my credit profile immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I extended chase a line of my credit I'm a credit worth applicant they asked me for a down payment under 15 U.C.S 1605 were money can't be exchanged in a consumer credit transaction I was denied under 15 U.S.C 1611 false and misleading denial of my credit FCR 604 AND 15 U.S.C 1681 ( b ) that's a factory but not a deciding factor I asked if they practiced in truth and lending they refused to answer they said they did not know the laws I was saying well 15 U.S.C 1611 it says willingly and knowing it they completely committed fraudulent activity as this was solely a consumer transaction this was not a retail installment transaction so money should of never been a factor in this transaction
Product: Checking or savings account

Reported bank fraud to Chase Bank. Someone wired money from my savings account to an external account that I did not authorize. I reported it to chase the next day, they gave me temporary credit, told me to close my savings account and open a new one. Two weeks later my claim was denied, chase stated the wire was from a recognized device but would not tell me what device was used nor the name to the wire it was being sent to. All the information that was given to me was it was wired to a XXXX XXXX account ending in XXXX. I do not have a XXXX XXXX account nor know anyone that has a an account. I asked chase for the investigation report but they would not provide it for me. The amount wired out of my account was {$940.00} and {$940.00}, during the claim process Chase gave me " temporary credit '' and as soon as they closed the case they took it directly out of my checkings account without warning. After many calls with Chase bank they have not helped me recover anything or have helped me in the proper steps to do so. Thank you.
Product: Checking or savings account

Hi, I initiated an international transfer to my mom on XX/XX/XXXX of XXXX from HSBC premier checking account with all fields being correct ( i have a screenshot ). The transaction appeared on my checking on XX/XX/XXXX. On XX/XX/XXXX I received email asking for additional information ( all fields are the same as XX/XX/XXXX ) with the recipient name being correct and i replied all information asked by repeating my answer on XX/XX/XXXX. 

However, on XX/XX/XXXX i received a second email from hsbc asking for additional information with recipient name wrong. 

From XX/XX/XXXX to XX/XX/XXXX, i have called hsbc over 7times and each time they told me their transaction team would call me back for an update but they never called. I can only talk to customer support with limited information.

So far my money has not left HSBC for almost a month ( based on info from hsbc costumer support ) Please help. Thank you
Product: Bank account or service

Bank of America will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges.
Product: Student loan

Finally got information from XXXX in regards to deferment policy through this forum. They stated in-school deferment periods for XXXX studies and XXXX studies. According to their policy, I still have in-school deferment time for XXXX studies. FIRSTMARK SERVICES was servicing my loan while I was enrolled in XXXX  studies in 2020. FIRSTMARK SERVICES decided to put my loans in repayment at the same time I was enrolled in 2020. I have not exceeded 4 years of XXXX  studies. Labeling my loan as Delinquent was done in error and they wrongfully charged off the loan. Furthermore, XXXX nor Firstmark NEVER made me aware of their deferment policy. None of the paperwork I received or signed states a specified time period of deferment. I was only informed that as long as I was in school studying, that my loans would be in deferment. I was never warned of a deferment cut-off. It is unreasonable and unethical to hold me accountable for a policy that I was never made aware of. Plus, FIRSTMARK SERVICES refusal to admit fault in wrongfully placing my loan in repayment is unprincipled. My loan should not be in collections. 

The Attached document will show highlighted section that states time period for in-school deferment while pursuing XXXX  studies. It will also show that the company only gave me deferment for XXXX studies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account TRANSWORLD SYSTEMS has violated my rights. 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 an account without my written instructions
Product: Credit card

Upon reviewing my credit report I came across a Apple Account charge I didn't open or authorize. Account XXXX Account Name : Apple Card/ GS bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but Equifax keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to resolve this matter directly with Comenity Bank, they have failed to honor my request to delete their account from my consumer credit report, thereby violating my rights as a consumer. 
On XX/XX/21, I made a complaint against Comenity Bank regarding an account listed on my credit report. Comenity Bank responded by informing me that they had not canceled the account but rather charged it off for non-payment and sold it to a third-party company. 
In response to Comenity Bank 's refusal to delete the inaccurate reporting, I have filed an identity theft report with the Federal Trade Commission ( FTC ) in accordance with 12 CFR 1022.3 Definitions, which defines identity theft as a fraud committed or attempted using the identifying information of another person without authority. 
I demand that Comenity Bank immediately delete their reporting of this account from my credit report. I want to emphasize that I take matters of inaccurate reporting and identity theft seriously, and I am prepared to pursue legal action to seek justice for the violations of my rights. 
If a resolution is not reached promptly, I will have no choice but to pursue this matter through the appropriate legal channels. Please consider this letter as a final opportunity for Comenity Bank to rectify this situation before I proceed with legal action. 
I have enclosed copies of relevant documents, including Comenity Banks inaccurate reporting reflected on my 3 bureau consumer credit report and the identity theft report filed with the FTC, for your reference. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I processed two payments through outside merchants. One in the amount of {$220.00} with XXXX XXXX and one in the amount of {$72.00} with XXXX XXXX. These payments were processed via my checking account online through their websites. The payments processed twice in error. I was not aware that the payments processed twice until they posted to my checking account on XX/XX/2018. I contacted my bank USAA and advised of the error and they opened a dispute. The first representative I spoke with told me in 2-3 business days they would submit the dispute through the merchants and I should show a credit for these on my account. No credit posted. I contacted them back and spoke with a team member in disputes who then told me that there is no guarantee that my account would be credited and if the merchant does not agree then they will not credit me my funds. I spoke with the merchants who are advising they can not reverse the payments and that I need to dispute through my bank. My bank tells me they also can not stop payment or reverse the payments because they have already posted on the account. I explained to them that if we are unaware that a double payment processed then we can not dispute prior to the check posting. We don't see pending checks. They don't show until posted. USAA refused to assist with reversing the incorrectly posted payments and advised that I would just have to wait and see if my funds are reversed by the merchants. I already know they will not be because the merchants advised me of such and now I am out {$300.00} that was supposed to go to my Childs daycare this week. Now I have incurred late charges. My husband and I have been with USAA for over 5+ years with our checking/savings and credit card account. I am very dissatisfied and disgusted at what is happening right now.
Product: Student loan

I have XXXX separate student loans through Aidvantage. I turned on autopay before the billing date of both loans and somehow it keeps being deactivated by someone other than me. Additionally, I use the " Pay Now '' feature in attempt to pay the loan directly and after a couple days of processing it says " Reverse Billing '' and claims that the amount was never paid. I have the means to make the payment but it appears like they are trying to intentionally incur late fees on my behalf after I have tried multiple times to make the payment well ahead of scheduled due dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report the XXXX XXXX account XXXX as derogatory charge off over seven years later. This reporting is 10 years old and the account was open in 2008, 12 years ago!!! 
Despite multiple dispute attempts and countless phone calls XXXX   has refused to remove the egregious information. XXXX XXXX is also reporting the egregious information to the other CRA 's XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX - XXXX -XX/XX/XXXX - {$4700.00} INQUIRIES : XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Hello,. 

I first received a letter from FCN dated XX/XX/XXXX. I immediately disputed this debt ( letter attached- XXXX sent vis USPS certified mail ) as this debt is not mine NOR did I agree to this debt NOR do they have any proof I owe this debt. 

I then received a second letter from FCN dated XX/XX/XXXX including some sort of statement of account ( attached- XXXX ). This statement did NOT verify the debt in any way. It did NOT provide any information I requested : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I then sent another letter to FCN dated XX/XX/XXXX (  attached- XXXX sent via USPS certified mail ) stating that they had failed to verify the debt, thus requesting they stop attempting to collect on the debt I do not owe. 

Yesterday, XX/XX/XXXX I received a voicemail message ( not a recording ) asking me to return their call. In my letter dated XX/XX/XXXX ( attached- XXXX ), I requested them NOT to call me. Violation again. 

Today, XX/XX/XXXX, I received another letter from them ( attached- XXXX ) stating that MY documentation was insufficient and that I owe the debt. This is very ironic as I am using my LEGAL RIGHTS and THEY have FAILED to provide any verification as requested by me and required by law in my requests : -Documentation showing you have verified that I am responsible for this debt -Proof that I agreed to the debt you assume I owe I am tired of spending time, stress and money on a matter that is not mine. I am writing to you in hopes to get this removed immediately, without any further legal action. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There things on my credit report that I do not recognize I asked for the original contract and they can't provide it I asked for the late payments to be removed from my credit that are not true and still they are there
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXXXXXX IN 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account to be paid in full with CAPITAL ONE around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.