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

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX  XXXX ) Fraudulent inquiries XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX inquiry ( XX/XX/XXXX )XXXX XXXX date of inquiry XXXX XX/XX/XXXX ), XXXXXXXX XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), US SM Bus Admin ODA date of inquiry XXXX XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Verification of Disputed Accounts Dear XXXX, I am writing to formally dispute the accuracy of the information reported on my credit report concerning the following accounts associated with my name and Social Security Number ( XXXX ). I am requesting verification of the reported accounts, as I do not believe these entries are accurate. 

XXXX. Account from Citibank, California - Reported Name : XXXX XXXX XXXX - Reported Address : XXXX XXXX XXXX, XXXX, NY XXXX - Date of Closure : XX/XX/XXXX - RTN/ACCT # : XXXX / XXXX - Status : Unpaid I request that you provide proof of the debts, including but not limited to account statements, payment history, and any other documentation that substantiates the validity of these accounts. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information, and I ask that you investigate this matter thoroughly. 

Please provide me with the documentation within 14 days as required by law. If the accounts can not be verified, I request that they be removed from my credit report. 

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

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

My credit report is still showing late payments on ONEMAIN account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. Please get rid of this : ONEMAIN XXXX
Product: Checking or savings account

XX/XX/2021 I have been a loyal customer with Huntington Bank for almost 15 years. My family and extended family also bank there. I have personal checking, savings, business checking, loc, auto loans, etc with them. One day I received a letter stating they were closing all of my accounts in less than 30 days. The only reason was " exceeds risk tolerance ''. I tried to call to talk to multiple people at the bank to get an explanation of what this means and why. No one could even give me a reason. I dont even know what these " risks '' are. I had no unusual activity from what the banker said. He couldn't even get info. The 800 number on the letter that I called had someone on the other end that was so rude that he just said we have the right to bank with whoever we want and that is the only explanation. 

So much for being a loyal customer for 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is fraudulent. Enclosed is a police report and FTC Identity Theft affidavit. The following items are due to fraudulent activity - XXXX XXXX, {$2200.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX XXXX XXXX, {$4500.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX, {$130.00}, Collection.
Product: Mortgage

Background : In XXXX I had a standard mortgage serviced by GMAC and after 4 years the TLV value was 88 % ( [ see appraisal document ] $ XXXX {$380000.00} * 100 ). 
We decided to refinance under the HARP 2 program to lower the interest rate and use the streamlined process where less supporting documentation were required The re-finance went through and believed that all was well. 
Owners of the mortgage : o GMAC mortgage : XX/XX/XXXX-XX/XX/XXXXo Ocwen Loan Servicing : XX/XX/XXXX-XX/XX/XXXX o XXXX XXXXXX/XX/XXXX-current Issues : 1 ) During the refinance using HARP2 program, GMAC undertook a property evaluation without my knowledge in which the property was not physically evaluated and the report was not included in the mortgage documents ( not in my copy and neither in the archived documents kept by XXXX ). 
2 ) The refinance went through and only later when I enquired about dropping the PMI the scope of the issue became apparent. This assessment was {$210000.00} as opposed to the original value of {$380000.00} and my refinance had a loan to value rate of 152 % and thus would be forced to pay PMI for the majority of the loan. 
3 ) I contested the appraisal and XXXX, the current owner of the mortgage investigated and could not find any documents about the appraisal and submitted request to reject the GMAC/XXXX  appraisal. The review board rejected my request noting that they did in fact have an appraisal and provided me with their information. 
The information provided me ( see enclosed ) was not an appraisal. It only provided their appraisal figure and noting that it was a single dwelling condominium. 
4 ) I believe that the appraisal ( an automated valuation model ) had some erroneous information leading to an inaccurate valuation. Property tax data lists the property at XXXX XXXX. Further comparable properties within the same complex with the same number of bedrooms, bathrooms and pool have sold between {$420000.00} - {$430000.00} ( see enclosed ). Comparable properties within the local vicinity ran from {$330000.00} to {$480000.00} ( see enclosed ).
Product: Checking or savings account

On XX/XX/XXXX of 2024 at around XXXX XXXX, I made a cash deposit through an ATM of {$1500.00}. When finished, ATM said they could not give my money back and receipt showed a balance of {$300.00}. I went inside the bank and talked to a representative and they said that is normal, and that it should be in my account by tomorrow, and if its not, to call and file a claim. XX/XX/XXXX and the money was still missing from my account so I called the number the lady at the bank gave me and told them my situation. They said my money would be deposited back into my account in 2 business days, or 10 business days at the latest. I waited 2 days, the money still wasnt in my account so I called on XX/XX/XXXX. The people on the phone said that it should be in my account in 10 business days and if its not, I will receive a credit for the {$1200.00} which could be reversed if my claim wasnt approved. Today, XX/XX/XXXX, I checked my account again and noticed they gave me a credit for the missing amount, so I called again and told them I am not interested in a credit that could be reversed and potentially put me in debt when I had the money, they just took it from me. The people on the phone still couldnt tell me why they took my money and cant give it back when I had the cash in my own hands and they took it.
Product: Checking or savings account

My husband and I experienced a total fraud from Citibank. We co-opened a checking account with a deposit of {$50000.00} in XXXX Citibank promised a {$700.00} bonus meeting necessary requirements. I met all the requirements and was told by several agents that all my qualifications have been met and to wait for 90 days and the bonus would be deposited. After calling for six months and spoken to many representatives and supervisors, we were assured we met all the qualifications and the {$700.00} bonus would arrive. I have names and dates. After speaking with the executive response team, they stated unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. Weve escalated numerous times with Citi managers and they refuse to honor their promotion after fulfilling our part. This is scam. We closed our checking account and we are both filing a complaint. Many consumers have been mislead by the fraudulent activities of Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XXXX I paid off my discover card and asked to close my account however since XXXX was a able to keep my account open and then make about 4k in transactions and pay with the bank account that was on file with the card. however I told my bank not to allow any more transactions out of my bank to that company so they blocked ALL payments. I called discover to report this as soon as the first payment was attempted from my bank however they failed to close the account there were about 8 more failed payments and by the time discover shut down the card it was =dude to amount of failed payments. since then I was told by discover that they were going to give me a call back I sent several letters to the company however they failed to call me back or send me letters. I just found out that they placed a judgment against me in XXXX however they never notified me of court I was never served and to be honest this is crazy I don't know how they are able be operating in the usa1!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several times 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 XXXX. 
XXXX XXXX XXXX, NV XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I paid a person on XXXX titled " XXXX XXXX '' after I discovered a XXXX group called " XXXX XXXX for Adoption '' with the admin 's name " XXXX XXXX. '' I paid the amount of {$880.00} with the promise of a XXXX XXXX being shipped to me on XXXX XXXX XXXX at my nearest airport at XXXX XXXX. We were convinced this puppy existed due to several photos and video verification that he was a real dog. A shipping label was also given to us that tracked the puppy 's locations in-between flights. XXXX XXXXXXXX XXXX day comes and we arrive early at the airport to pick up the puppy at the baggage claim, but no flights were coming in at XXXX XXXX. 30 min after the promised arrival time, I get an email from the shipping service asking for {$1000.00} refundable customs fee to get past the Alabama airport. I immediately questioned this charge and after further discussions, I was blocked by XXXX on XXXX, kicked from his group, and got the shipping number erased from their website. It sucked to realize I was scammed, but I called my bank the same day and filed a scam/fraud claim about the earlier XXXX payment XXXX After 8 business days of waiting, I called and got told they found no scam or fraud and can not return the money. I am extremely frustrated this has continued to be ignored even as the facebook page continues to exist and scam more people.
Product: Mortgage

under ID # XXXX filed XX/XX/XXXX with the CFPB I had complained about difficulties in Communcation with Wells Fargo.I was not requesting forebearance and made a full payment ( P & .I. and escrow ) for XX/XX/XXXX .After discussions with XXXX XXXX of the excutive office of Wells Fargo , I made a payment of Interest only plus Escrow ( {$1600.00} ) by EFT on XXXX XXXX towards the XX/XX/XXXX payment.This payment was made pursuant to a telephonic communication with A Wells Fargo Executive Resolution Specialist with the Consumer Care and Recovery Group.Also with the " Executive '' office.I received a confirmation # for such payment ( XXXX ) .My conversation was recorded by Ms XXXX XXXX , the agent with whom I spoke.At that time I asked to speak with Ms XXXX ( since I dialed her extension,XXXX, but ahwe wqas otherwise occupied. i specifically stated that the payment dhould be applied to Int. & Esc,. and asked if i Should separate the payments >I was assured that one payment would be adequate.Today, Orally I was advised that the payment was not applied but would remain in ESCROW until I started making full payments and that " Everything would be put on the back end of the loan ( The entire payment of {$2100.00} ) I have just " Read '' that my time is running out. so I will continue my narrative in the next section ( Fair Resolution ) There is more to this complaint since this bank is dealing in a deceptive offering at resolution!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES 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 XXXXXX/XX/XXXX
Product: Mortgage

I have an impound account setup for my mortgage company Flagstar to pay my homeowners insurance. I have 2 separate plans because I live in XXXX California and we all have a separate plan for fire insurance. In 2023 my mortgage company failed to pay my CA fair plan fire policy premium of XXXX dollars and it was cancelled. Then they tried to initiate force insurance and charge me XXXX dollars for it. I received a " final notice '' XXXX of 2023 even through I had already taken the steps to rectify the problem. Now they're trying to charge me XXXX dollars for a lapse in coverage.
Product: Money transfer, virtual currency, or money service

XXXX i was contacted by someone on XXXX on an investment opportunity. If i committed to sending them money up to a certain amount, they would send me a larger amount in return. The total i have sent is around XXXX, i have contact all my credit cards and bank. Have told them what has happened. Most of the transactions were done through worldremitXXXX. I have not contacted worldremit yet. as i dont think they would be willing to help me out with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to respond to my request for debt validation on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Equifax on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Equifax by XX/XX/XXXX as required by the FCRA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Huntington Bank 's decision to stop using deposit slips is not customer friendly. I have just made a deposit of several hundred dollars and it took three times as much time to complete the transaction as it normally would. I think that the customer should still have the choice to use a deposit slip or not. 
I am a very annoyed customer.
Product: Mortgage

i bought a house as a va foreclosure in and around XXXX then in XXXX i refinanced it with XXXX who in turn sold it to countrywide mortgage who went bankrupt during the recession of XXXX during all of this transferring through the years i paid my insurance and taxes without an escrow when the loan was originated this was agreed to by all of the transfers. then it was with XXXX XXXX XXXX i paid my taxes and insurance, i dont know what happened but sps servicing ended up servicing my loan. the first thing they do is request and sign me up for escrow against my wishes. i told them by law if at origination of the loan if it was in closing papers that person who has the loan they are not to change this unless you refinance with a new bank or taxes are in arrears. i have been dealing with this for the better part of XXXX years, me and sps are paying the taxes right. i have never missed a mortgage payment or failed to pay my taxes when due. so the past few months sps has been charging me a late fee when i have been paying my rent on time when there should only be a late fee after the XXXX of the month. im sending a file with this complaint and you will see the late fees.
Product: Mortgage

On XX/XX/2021, applied to check of interest rate to support a refinance through company. On XX/XX/2021, spoke via phone to XXXX XXXX regarding the differences between a 15 and 30 year refinance and explained I was vacillating between deciding which would be best for my situation. During this discussion, XXXX advised that I was in a really good situation in that I could chose one or the other and then later decide which was the best option, while the closing of the refinance took place. On XX/XX/2021, identified via XXXX, company offering more favorable loan terms that I requested be adjusted with my pending loan/refinance application. After speaking to XXXX XXXX, who was stepping in to assist XXXX, that XXXX, in fact, has a float down policy and that I would not be able to make the requested, favorable adjustments found on XXXX. I am of belief and suspicion that XXXX knowingly asserted the ability to float to potentially better terms or 15 vs 30 year refinance options as a way to influence my decision-making to begin the process based on what is now manifesting to be false information.
Product: Credit card

On XX/XX/XXXX, my car was XXXX XXXX and someone XXXX XXXX XXXX. Inside my XXXX  was a Venmo Visa Credit card. I called the company immediately and reported the card stolen and created a dispute for an amount that the thief charged to the card before I was able to close the card down. A week later I contacted the company because they still had not resolved the dispute. They had closed the dispute without contacting me and made a determination that the fraudulent charge was not fraud. I re-opened a dispute at that time. They then proceeded to freeze my Venmo account. They have refunded the fraudulent charge however it is now impossible to get in contact with anyone at the company to unfreeze my venmo account. They also sent XXXX credit cards in the mail to replace the stolen card. Neither of which I asked to be sent. I need to change the bank account that is connected to the old credit card so that I can pay my remaining balance however I can not get through to anyone at Synchrony bank to be able to do this and there is no way to do this through the App. The entire experience has left me feeling vulnerable to fraud, unprotected and generally dismissed. These kinds of things can ruin peoples lives and no one seems to be protecting the consumer.
Product: Checking or savings account

PNC Bank offered me a {$200.00} promotion to open a checking account and complete direct deposits and use a debit card. I completed the direct deposits immediately, but I never received a debit card. Now PNC says they wont award me the {$200.00} promotion because I did n't use the card that they never provided me. This is unfair at the least, and deceptive at most.