23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I left for a work related trip and hired a house sitter through a XXXX add to check in on my home while I was gone as I would be gone for a week and didnt want to leave things completely unattended. Her reviews were good and it appeared that she checked out so I felt comfortable with our agreement. While I was gone she had hacked into my XXXX account and used my Discover card to make XXXX different XXXX orders. These order were delivered to my home where I am assuming she collected them. When I got back from my trip I discovered my house an absolute disaster and many of my belongings gone through. I then discovered that she had made the purchases and called Discover right away to report the unauthorized transactions. I also sent report of this to XXXX as well. I called Discover on XX/XX/XXXX to find out if there was an update about my case because I saw the charges had been added back onto to my credit card and I was waiting for them to send out a form to sign verifying that these transactions were unauthorized. I was told by the employee that this was just because the case had been moved to a closed status and I would see the final credits be posted to my account and not to worry the matter had been settled in my favor. I called back a week later to see when those credits would be posting and was told that they wouldnt be because discover denied my dispute. I spoke to another employee who explained to me that they could send the case to be evaluated again and that the reason that it was denied was because the purchases were made using my XXXX account and since they couldnt prove XXXX made a mistake they couldnt dispute it. I provided an email that was sent from XXXX on XX/XX/XXXX confirming that there was unauthorized access to my account to support my case. I called back on XX/XX/XXXX to verify where the case was standing and they told me I was again denied because the email I sent to support my case was so much later than the instance. I was denied the right to see the documents that they used to make their decisions and stated all they could send was a letter explaining the reasons. They also denied my the opportunity to sign a written dispute confirming authorized transactions were placed on my card. During one of my conversations they had admitted that they had received credit back for some of the transactions and they failed to pass any of that on to me.
Product: Checking or savings account

On XX/XX/2024 I received a call, email, and text to call Discover. I called Discover after work and the representative refused to tell me the reason for the call. She had sent me a XXXX digit code to authenticate me and still refused to accept that as authentication and told me I would need to send a picture of my id. I thought that was crazy so asked to speak to a supervisor. She told me that none were available and I would have to be called back in the following days. After I hung up the phone I tried to make a purchase at XXXX XXXX and my debit card was declined. I don't understand how Discover would be blocking cards and taking calls, and yet not have a supervisor available to take calls? To make it worse when I got home and finally tried to get my account unlocked and I was forced to have my ID and picture sent to a third party company in order to have access to my funds. They said that I could have got a form notarized instead, but that is not a real solution when I count on having access to my bank account and need access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX  XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$13000.00}.
Product: Mortgage

I have been wrongfully charge for home insurance without notice or consent. I was paying my own home insurance with my previous lender XXXX XXXX XXXX then the loan was sold to Newrez and the home insurance was added with out consent or authorization. I have contacted Newrez via phone, email and written notice and have only received two letter stating additional time is required ; four months have passed and I have not received no resolution response. Below is the last email sent : Reg : Loan # : XXXX To Newrez XXXX XXXX ; I writing this letter is to verify and explain in detail that I have been paying on the house insurance for the account listed above since XX/XX/XXXX. I contacted XXXX XXXX  and provided proof of insurance to remove from the monthly payment. Then, the house insurance was added without my consent to monthly payment. The timeline is as follows : XX/XX/XXXX, I contacted and emailed proof of insurance to XXXX XXXX  at XXXX XX/XX/XXXX, again another email was submitted to XXXX : Insurance was removed from mortgage payments. 

XX/XX/XXXX, {$2200.00} was paid for insurance. 

XX/XX/XXXX, XXXX was paid for insurance. 

XX/XX/XXXX request refund with 30-day response submitted supporting documents XX/XX/XXXX Mortgage adjustment no response. 
XX/XX/XXXX Issue has not been resolved 30-day response. 

XX/XX/XXXX No action has been taken or notes have been added. 

XX/XX/XXXX Called and spoke with XXXX at Newrez and submitted an escalated ticket. 

XX/XX/XXXX Contact an attorney for representation : Reported to the Consumer Financial Protection Bureau. 



Total of {$5100.00} XX/XX/XXXX, I contacted XXXX to request full refund of monthly insurance and the previous times I was wrongfully charged.

This is my last attempt to request a full refund before taking legal action. Im requesting a written response within thirty days of this letter.

Please advise, XXXX XXXX XXXX Respectfully submitted, XXXX XXXX XXXX 

XXXX
Product: Checking or savings account

I have, through my employer, an HSA account with Bank of America. Today, when I went to pay for my wife 's prescription XXXX medication, my HSA card did not work. After a fair amount of going in circles, I got through to a representative at around XXXX XXXX., who told me that a. ) my account was frozen for potential 'fraud ', b. ) the bank had reached out through its automated process ( which it had not, but more on that later ), and c. ) this could not be fixed for 1-3 business days. When I pointed out that this made purchasing this medication ( just under {$500.00} ) unfeasible, as I did not have that much cash lying around, I was promised an escalation, put on hold, and was told that I'd have the account unfrozen within two hours, after which I would received a call. 

Four hours later, I called again, and was told the card was still frozen, but that the representative on the phone was unlocking it. I raced to the pharmacy so that I could acquire the necessary medications, and was told once again, at the pharmacy, that the card was declined. I got back on the phone for the third time with Bank of America, who pushed the former " two hours '' into " two business days '' and were exceedingly unhelpful in giving me access to my own money. 

At the end, I had to use a credit card with very high interest rates ( which, of course, they are not reimbursing, nor are they reimbursing my or my wife 's lost time at work and lost wages ), that I also had through Bank of America. At that point, I got the automated text alert, which I confirmed. Given that I did not receive that automated text alert for the previous transaction, my belief in Bank of America is gone. 

At this point, I would like Bank of America to update their policies so that this does not repeat.
Product: Mortgage

I filed a complaint XXXX regarding M & T bank they have just contacted me and are still refusing to recognize that I am a borrower on my mortgage because my late husband signed as my agent since he had power of attorney at our closing. the bank states since I did not physically sign I am not the borrower. 
this is insulting to me I need M & T to recognize that I am the borrower on this morgage and assign a senior agent to deal this situation ASAP I have attached documents please see page 33 & 34
Product: Credit card or prepaid card

Charged twice for the same monthly payment. Contacted Apple Card/Goldman Sachs support and spent over an hour with them, chatting and on the phone. Explained to them that I only authorized one monthly payment, not two. They stated they can not do anything because the payment was already authorized with my bank and that I would have to contact my bank. 

When I checked with my bank, they stated the merchant ( Apple Card/Goldman Sachs ) had not yet completed the transaction. This objectively different from the information received from Apple/Goldman . I then relayed this information back to them Apple/Goldman and was put on hold. They came back and stated that they recognize that an error had taken place where they charged two payments and that both payments had not yet been finalized. However, they stated couldn't reverse the charges and could only file an inquiry. They stated I would have to wait 10 days for a result, despite them acknowledging and admitting that Apple/Goldman had made an error. When I inquired what exactly they needed to inquire when they already verified that they had made a mistake, they stated I would have to wait 10 days.
Product: Credit reporting or other personal consumer reports

I have had an issue with Transunion for the past year I couldn't access my credit report due to TransUnion allowing another social security and birth date to added to my credit profile fraudulently as well as fraudulent account and infraction on my credit report i have been constantly having the issue of accuracy and correct information on my credit report with Transunion credit reporting i ask that this information be block removed under 15 U.S. Code 1681c2 ( 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : Balance : {$17000.00}.
Product: Checking or savings account

I have multiple accounts with Suntrust Bank now Truist. I have had issues with someone printing fake checks and processing them through my personal account. We typically catch them and they get reversed somewhat quickly. I never find out the outcome of the case. On XX/XX/2021 a check for {$9800.00} was cashed and taken out of my account. Nothing about this check looks like one of my real personal bank checks except my account number and my name. The address is not the same address that I use and it has Rental under my name. My checks do not have that. The signature on this check along with all the other ones is no where close to my signature. I have contacted Suntrust. they are in investigating but my issue is that my mortgage payment has not been able to be processed. They have tried twice and since i am in the negative it will not go through. I have been a long time customer with Suntrust. I have my business account through them as well. This is become a huge burden on me. I have no information of the status of the claim. I don't even understand how the check went through with the way it looks compared to my other checks along with the signature. I need assistance and I need it fast before I end up having issues with my mortgage company. I have filed a police report and i have filed complaints with other federal organizations looking for assistance. my case number with Suntrust is XXXX. Any assistance with this would be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed off my report due to identity theft EXPERIAN continues to report this after I sent over multiple verification letters and identity theft reports EXPERIAN took this off my credit now put it back on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

Theses addresses, place of employment and phone numbers do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX  XXXX Ohio XXXX. XXXX XXXX XXXX  FL XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX XXXX, XXXX. Phone number XXXX
Product: Credit card or prepaid card

I had a Discover IT secured card opened in XX/XX/2019, which had 100 % payment history and I always paid off my balance and kept great record of my credit, so Discover returned my deposit and increased my credit line which was awesome considering I'm rebuilding my credit. In XX/XX/2019 I legally changed my first and middle name, so I contacted XXXX to update them and sent them my legal documents for the name change, and they updated my info and sent me a new card. In XXXX or XX/XX/2019, Discover needed me to sign a document to have my information verified through the IRS, so I signed it and a few weeks later Discover informed me they were closing my account due to not being able to verify my information with the IRS but couldn't tell me what information and left it at that. I then get a letter from the IRS about some of my information being requested but unable to verify, which the piece of unverifiable information was my NAME, why.. because I haven't filed taxes under my new name yet! Discover knew about my name change and still decided to close my account after months of nothing but good history with them. So now thanks to them I have a closed account on my credit report when their unverifiable information they already knew about, so why couldn't they either request a different way to verify my information or take into consideration that I just recently changed my name and it hasn't been fully updated with the IRS considering we haven't filed taxes for 2019 yet! Thanks for nothing Discover, I'll never recommend you!
Product: Debt collection

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number. 

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

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


Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

CITI BANK CBNA, you recently received my Notice of Rebuttal on XX/XX/2021. 
This is in response to your deceptive attempts to collect alleged debts not owed to you. 
As stated in my notice you were previously contacted on XX/XX/XXXX when I demanded an opt out of consumer credit reporting as is my right pursuant to 15 USC 6802 & 6803. You have defaulted on demand and have proven that you are willfully noncompliant with Federal Law protecting consumers, these matters are being well documented and all defaulted notices will become XXXX XXXX  evidence if further legal action is deemed necessary. I do NOT owe you ANY alleged debts, and I have not borrowed any capital from you which means I do NOT owe you any alleged debts. Further more your claims are unsupported by Affidavits, or any documentary evidence of indebtedness as required pursuant to 15 USC 1666 making all of your claims hearsay. This further supports the facts as I have documented them, expressly the fact that I do NOT owe you any alleged debts as you claim. BE ADVISED, CITI BANK CBNA, you have 15 days to comply with my demands listed in the correspondence you received and the correspondence attached to this complaint as you are already in default of the previous notice. There is more than enough evidence to prove your attempts to willful mislead and deceive me through means of material misrepresentation of vital facts that have been purposely omitted by you the financial institution involved in this consumer credit sale/transaction. BE ADVISED, CITI BANK CBNA, you have committed several violations of Federal Law which have been well documented and will be used as documentary evidence and XXXX XXXX should I be required to pursue legal action in these matters.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENTOF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX US ; DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.