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

TCF Bank closed my checking account # XXXX, for a unknown reason, but still hasnt mailed me a cashiers check for the remaining balance in my account which is {$1100.00} from my U.S. Department of Treasury Stimulus Check. TCF Bank is illegally and unlawfully holding my funds in a closed checking account. I dont want the TCF Bank Checking Account. I want TCF Bank to immediately close the checking account and mail me a cashiers check for the remaining balance in the checking account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX XXXX  Account # XXXX is fraudulent. 

A list of inquires has been added to FTC Identity report attached to this Applications ; Ally Finacial XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correction to my credit report. I demand the account be remove from my credit.
Product: Debt collection

They will not stop calling me and harassing me over an account which is not mine. They call me from different numbers.
Product: Mortgage

Mr. Cooper 's Mortgage NATIONAL PANDEMIC EMERGENCY FORBEARANCE. A verbal agreement over the phone, on the heels of XX/XX/XXXX. No paperwork requested or required. I was told to just start making my regular payments at the end of the time. In fact not one letter was sent in four ( 4 ) months. at the end of the Forbearance it would go to the end of my loan as a deferment. I a sured them that was the only way I could take the NATIONAL PANDEMIC EMERGENCY FORBEARANCE as I am a first time buyer recipient. I called in XXXX to tell them I wanted off the forbearance but was talked out of it as it would be best to stay the course. so they said, so I did. But then after I called I got a letter in the mail like a summery. I called back as soon as I receiving it and was told not to worry about it it was just a thing they had to do.That everything was as we agreed. Fine it's a crazy PANDEMIC. 
At the end of our the agreement I was simply to resume payments. I did. But then they started calling two ( 2 ) and Three ( 3 ) times a day. wanting me to go back on the NATIONAL PANDEMIC FORBEARANCE PLAN. One woman said she just needed to do same paperwork first. I had believed MR. COOPER MORTGAGE so I let her put me back on the plan however it was only to take me off after she could to her paperwork. Then she said it work take a few days. I asked her to call me right call. the next week she called to tell be I did not qualify for my deferment and that I would have to " apply '' for a one of their options. I verbally withdrew from the forbearance plan on the spot. She said I was unable to without filling out one of their options. While still just days into a renew program I raced to the post off to put this one in writing. ( see attached cert. letter ). I continued to make my monthly payment. They did try block it. 
After they received my letter I begin getting letters, phone calls and now emails. the e-mail attached makes a 24 hour demand prompting this complaint. I quickly replied to the sender as I do not have a on-line profile with Mr.Cooper Mortgage. Then raced back down to the post office and mailed the same response. In the statement dated XX/XX/XXXX in " past payment breakdown '' they acknowledge the XXXX payment. It was never my intention to hurt Mr. Cooper Mortgage with a complaint, however I feel they have given me no other option. 
Attached : Two payments from XXXX XXXX to Mr. Cooper Two Certified letters E-mails Bills and correspondences
Product: Credit reporting, credit repair services, or other personal consumer reports

Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, XXXX XXXX XXXX XXXX pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX
Product: Credit card or prepaid card

Hello, I submitted an inquiry for activity that was not authorized. I tried to resolve this with the Affirm and submitted the form on the website on XX/XX/XXXX. I followed up after 7 days ( when they were supposed to respond ) on XX/XX/XXXX and again on XX/XX/XXXX. I tried to call in and was not able to obtain help as none of the call center reps spoke clearly enough for me to understand anything at all. 

On XX/XX/XXXX I received a refund of XXXX but this was not the full amount. The issue resides with the system at XXXX and I have tried to resolve this many times with the owner and XXXX and affirm to no avail. The owner had intentionally held the property so that no others could book it, even though I had cancelled on time. They stated that they have policy where if they have someone else try to book it and they are holding it then they will keep the loss- which is not fair if they have the ability to do this at their own will. 

Moreover, this is not a credit agreement or terms that I would ever agree to, there was no consideration or exchange of benefit between myself and this owner or XXXX in anyway. XXXX had advised that they received no benefit out of this. 

I have not received anything in the mail or email, and this is still pending and is going to charge me should a payment not be made to this fraudulent charge.
Product: Debt collection

In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Product: Credit card or prepaid card

I am writing this letter to report that my former bank, Chase Bank refused to investigate the evidence / supporting documents I have about a transaction that shouldnt have been applied to my account. Chase reported me to credit Bureaus as delinquent. 
Here are the facts : On XX/XX/2020, I booked a flight from Washington, DC XXXX ( XXXX ) to XXXX, XXXX ( XXXX ). The flight was scheduled for XX/XX/2020. I paid for my flight ticket using Chase Credit Card the amount of {$700.00} on XXXX XXXX On XX/XX/XXXX, due to the corona virus pandemic, the XXXX XXXX published a list of countries that are not allowed to visit XXXX and USA was one of them. Americans were banned from travelling to XXXX. 
The travel agency and the airlines both absolutely refused to refund my ticket, even though it was completely useless! 
While I was stranded overseas, I contacted Chase twice via online banking to dispute the transaction. 
I contacted Chase Bank to file the dispute via the online platform they set up for this reason. The was a limited number of spaces to explain my concern. There was no way to upload any documents and the only other way to contact Chase was to sending them a fax or give them a phone call while I was stranded overseas with limited access to technology. I left messages on the Chase bank platform and requested an email address where I could contact them. I also requested to have the result of their dispute sent to my email because I did not have a physical address in USA at the time. I was overseas for 7 months. 
Chase ignored my requests repeatedly. I managed to make an overseas phone call and contact the bank ; however, they keep ignoring my request and saying that my documentation had not been sent. ( Please see attached copy of the documents that I have ). 
While I was overseas trying to contact Chase regarding the dispute I had filed, Chase was trying to contact me regarding payment. There should not have been a payment, this charge should never have been processed. 
One month ago, when I came back to USA I went to a Chase Bank branch and they called the credit card branch. I was told that they can not open this dispute again because its too late! Basically, the information I have provided has been ignored. 
I am still disputing this transaction and therefore I am asking that any item or information reported by Chase Bank to Credit Bureaus be removed from my account until true diligence can be performed.
Product: Mortgage

This is the second complaint against Bank of America that we've left on this site. The first one was closed without many issues being addressed, especially the poor communication. The bank provided a contact name and number that didn't work in their response to the last complaint. We've NEVER been able to reach a representative at the number provided by the bank it's always voicemail. The coronavirus pandemic has made a bad situation worse and it's nearly impossible to get someone on the phone and written correspondence sent via mail takes weeks to reach us. The date on letters is always more than 10 days passed by the time we get it. We put our home on the market for sale in XX/XX/2019 but had no buyer interest due to deferred maintenance and possible structural damage to the house. We recently received a cash offer on our home well under the asking price, after two previous offers fell through because buyers backed out because of length of time for processing and lack of response from the bank. Our agent, who is experienced in short sales, has been working diligently to ensure that this one gets further along than the other two failed attempts. After having the house on the market for nearly a year, we are out of options and need to either do a short sale or let the home go to foreclosure. We felt as though progress was being made when our agent was alerted that our loan is set to be service released to XXXX Mortgage on XX/XX/XXXX but she was told the bank can't actually confirm that until XX/XX/XXXX when it would show in the system. Our agent learned of this from Bank of America 2 days prior to XX/XX/XXXX, even though the letter we were told we should have received from Bank of America was dated XX/XX/XXXX. We have never received such a letter from the bank nor have we received any communication from XXXX. Our loan disclosures say that we should have received communication about this type of transaction more than 30 days prior to the servicing being released. Now, we don't know what will happen. In the past, we were told that we couldn't attempt a short sale without first being considered for a loan modification since the home is our primary residence. That was time consuming and futile since we still couldn't afford the lower payment. We continue to experience an extreme financial hardship due to the pandemic. Will the process need to be started over with XXXX? Will we be considered for a short sale or have to go through the loan modification process again? Who can provide us the answers we need and actually answer the phone when we call?
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstmark Services who is under a loan servicer called XXXX XXXX have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraudulent inquiries that where not authorized by me to be removed permanently from Equifax and they refused to do so XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Consumer Loan

Beware!!! Someone in the company will steal your account information and use your card! I have never given my account information over the phone to anyone. This is my first time ever! They asked me for XXXX different checking account routing and account numbers. Then they asked me for my debit card number, expiration, and code on back. Then they asked for my online payroll information ( name and password ) to set up payroll deductions for me. I thought it was strange that they asked for my debit card info as well as XXXX different checking accounts. I received the loan and exactly a week later, my card had been used in XXXX! I am in XXXX! I contacted the company and no one has returned my calls or emails. I blocked my debit card and changed my password to my payroll account. I also cancelled their payroll deduction in effort to get someone to call me. When you call them it goes directly to voicemail system no matter what time of day.
Product: Mortgage

On XX/XX/XXXX I received the decision to request XXXX XXXX XXXX and provide request documents through email on XX/XX/XXXX as requested. To email ; XXXX. 

On XX/XX/XXXX I also uploaded entire documents to SLS portal. Attached are confirmation entire documents were uploaded. 

I received notice on XXXX/XXXX and called SLS on and spoke to XXXX ID No XXXX I was informed nothing was attached in the email. I was explained there is no records of uploaded documents. 

After spending and wasting my time for close to one hour I request to speak to supervisor. I was informed supervisor will call me XX/XX/XXXX hours. 

Its XX/XX/XXXX past 5 days no supervisor has called me. 

CFPB can not letter complaint like this get response only but take to action email conformation state documents were received. 
Uploaded documents were received, and homeowners are threatened with foreclosure by taking advantage of holding deeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the equifax data breach. I want these item deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of the data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit report
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, I attempted to apply for a loan with One Main Financial on-line. I received a call from XXXX who seemed to be asking extensive questions. After I hung up I realized what I thought I was applying for was going to be secured by my home or my vehicle and I wanted an unsecured debt consolidation loan. So I called back XXXX immediately and cancelled my loan application, she asked why and I said I changed my mind. She never said anything more. 

On XXXX XXXX I received a denied application notice. I was surprised since how can a cancelled application be denied. I called on XXXX XXXX ( because I work ) and talked to XXXX. Explaining the situation, told him of my concern. He did not do anything except offer to send me the reason for the denial. 

1st email Thank you for considering OneMain for your credit needs. After careful review of your loan application, unfortunately, we are unable to approve your loan request at this time. 

If you would like a statement of the specific reasons why your loan request was denied, please contact us at OneMain, XXXX. XXXX XXXX, XXXX, IN XXXX, or call XXXX, within 60 days of this letter 's date. We will gladly provide you with a statement of reasons within 30 days of our receipt of your request. Please include the reference number and the date of this letter in all communications. 

Our review process may have included information obtained from a credit reporting agency. This agency was not involved in our decision on your application and can not provide you with the specific reasons for our decision. 

Under the Fair Credit Reporting Act, you have the right to obtain a free copy of your report from the credit reporting agency listed below within 60 days of the receipt of this notice. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have the right under the Fair Credit Reporting Act to dispute with a credit reporting agency the accuracy or completeness of any information in any consumer report furnished by the credit reporting agency. 

2nd email Thank you for contacting us about your OneMain loan application. Below are the specific reason ( s ) your loan was not approved at this time : Incomplete Application We invite you to visit OneMainFinancial.com/Learn, which has valuable resources and tools that can help you learn how to achieve your financial goals. 

Sincerely, OneMain XXXX. XXXX XXXX XXXX, IN XXXX For me there is a significant difference between a cancelled and a denied application. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I mistakenly sent {$600.00} through XXXX at XXXX XXXX  to the wrong recipient. I am XXXX. and due to my XXXX XXXX  and that the wrong recipient was next to the correct one, I clicked the number next to the intended one. This amount, which was meant to cover a portion of my room and board for the month, is significant to me as I am XXXX, and have low-income. After realizing the error, I contacted XXXX XXXX. They opened the claim but never contacted me to inform me that they were unable to help, I texted the recipient of the XXXX ( {$600.00} ) and the recipient responded that she wanted to return the funds. We subsequently participated in a three-way call with a representative from Bank of America ( the recipients bank ). During this call, I was informed that my transferred funds had been automatically applied to cover the recipients negative balance of accrued fees, preventing any refund to my account. I contacted XXXX directly and was told to contact my bank and that they were not responsible. Despite my repeated efforts to resolve this with XXXX  customer service team, and with Bank of America as well, no action has been taken to reimburse me. I wrote letters to the president, the CEO and XXXX XXXX XXXX XXXX XXXX XXXX and also Bank of America. I was advised by XXXX XXXX at Bank of America Client Care Executive Response Team that this issue needed to originate at XXXX Bank. The matter remains unresolved. Each institution tells me they are not responsible and that I should contact the other institution. Given the nature of this transaction, I respectfully request your assistance in ensuring the return of these funds. Since my XXXX transaction had a memo that stated it was for XXXX & XXXX XX/XX/XXXX of XXXX ( my partial room and board payment ) and the recipient of the transaction is willing, the funds should be returned to me.
Product: Credit reporting or other personal consumer reports

I have been disputing this account on my XXXX credit report since 2021. 
XXXX has repeatedly stated that this account has been verified as accurate. 
However, they failed to provide documentation detailing verifying this account. 
I believe that I have the right to know who is using my personal information and how this verification process was conducted. 
Therefore, I kindly request that XXXX provide me with the documentation used to verify this account. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXXXXXX Balance Owed : XXXX.
Product: Credit card

they contacted me to go into their fin mgmt pgm lower inst no fees cant do it on line or over the phn keep getting tech problems doing both
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.