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

This communication is to inform you of the fraudulent activity at Regions Bank that occurred through XXXX Banking. On XX/XX/XXXX, I discovered that {$90000.00} was pending to be taken from an account of an organization within my banking profile. {$78000.00} had been transferred from my Money Market account leaving {$150.00} and combined with {$12000.00} from the organizations account. On XX/XX/XXXX, {$90000.00} was taken out of the bank. When I checked with the bank and the Fraud Department, I was told that it was a wire transfer and there was nothing they could do. 
On XX/XX/XXXX, {$700.00} was transferred from my XXXX Account to the XXXX XXXX Account. A letter was written by Regions Bank XXXX Department, on XX/XX/XXXX, stating that an investigation was done, and provisional credit ( {$700.00} ) would be provided to my account. Another letter was received that same day stating that based on the investigation, they determined not to provide any credit to my account for the transactions. The letter stated that the {$78000.00} was transferred to another account that I also own. None of these transfers were made by me. 
A letter dated XX/XX/XXXX, was received when I came back from XXXX holidays stating that the investigation had been completed. Based on the investigation, we determined not to provide any credit to my account for the transaction. This determination was based on the following findings : WIRE TRANSFER XX/XX/XXXX {$90000.00} Transactions were authorized using agreed upon security procedures. 

Shouldnt someone be able to tell me where the transfers originated, what security procedures were agreed upon, and where the money was transferred to. I couldnt get any answers. I have trusted my money in the same bank since XXXX even through the many name changes. Now this! They are making it look like I took my own money and wire transferred it to someone. This is identity theft and felonious activity. 
Upon receiving the rejection letter, I reached out to the number indicated on the letter. On Friday, XX/XX/XXXX, I spoke to XXXX who informed me that he did not agree with the denial, and he was escalating the matter to his XXXX, XXXX. Once I spoke to XXXX, she reached out to the initial department that made the denial and that person refused to speak with XXXX. The only resolution is to return the funds back to my account as I have not authorized the wire transfer. My attorney has contacted the media and there will be a story aired soon about this event.
Product: Mortgage

I closed on the house onXX/XX/XXXX. My mortgage bank is responsible for my township taxes and it is paid out of the escrow. There was a shortfall for the property taxes they paid for XXXX on XX/XX/XXXX payment. I contacted the bank in XXXX regarding this matter they assured to me that they received the notice and they will pay it by XX/XX/XXXX. Yesterday I received a delinquent notice from the township as the mortgage bank has not paid the property taxes fully and now with the interest and penalty the amount is over 176.00 dollars. I contacted the bank yesterday but they were not cooperating. They said they have to research why it was not paid. I am a new home owner and i do n't want to have a bad relationship with the township. I pay my bills on time to me this type of nonpayment is unacceptable. I am afraid that the bank might not pay future property taxes on time.
Product: Mortgage

Loan number # XXXX I'm writing you regarding my mortgage number # XXXX. I sent my monthly payment for XX/XX/XXXX through certified mail via USPS. I received the delivered receipt with a signature from a village capital employee showing the payment was received on XX/XX/XXXX. I have yet to see this payment reflected and credited to my account. We are three weeks into the month and nobody can give me an answer as to why this check has not been honored. Your company has requested that I email them the certified receipt showing the date and signature I have provided. After multiple calls attempted to resolve the issue, none of your employees can confirm receipt or provide an explanation as to why my payment isn't being honored or applied. This is now considered a billing error Under Federal Law due to Village Capital 's failure to credit my account properly. I'm now no longer responsible for the payment or required to pay until this gets resolved. You are also not to make or threaten to make an adverse report about my credit standing, or report for late payment. I am also not to be charged a " late fee '' for this payment. All in all, Village Capital now holds the liability for this payment. It is my suggestion that your company credits my account in full for the payment amount for the month of XX/XX/XXXX and you then conduct an internal investigation to figure out why this payment was not applied after proof of your receipt. I look forward to your response. 

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

XXXX XXXX XXXX, you are not allowed to pursue collect activity until this debt is validated.
Product: Credit card

Contacted XXXX XXXX XXXX  on XX/XX/year> and informed them there was a fraudulent account opened in my name provided documentation to the company and the company once confirmed it wasnt my account and that it would be closed and wouldnt report. then the company didnt close the account so I got a balance on my credit report so I called back and the company company completed a investigation after there was a balance and said I was responsible and sent to collector portfolio recovery where they did a investigation and confirmed it wasnt mine
Product: Debt collection

I explain several times, with this company that I had a XXXX and to mail me the bill and I would pay on the bill the response was you pass that .and you do n't have any credit to put it on. Ive them to stop until I recover from my XXXX they continue
Product: Debt collection

To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.
Product: Checking or savings account

I have an estate account for my grandmother at WSFS Bank. The estate settled but the account is still pending federal tax payments. As a result, I have not had any activity. However, I visited the Wilmington branch and they said if I left {$500.00} in the account I would not be charged fees. I left {$600.00}. I was then charged inactivity fees so called and was told they would refund the fee and it was a mistake. 

But, I started to be charged fees again. I called and was told again that the fee was a mistake, they would waive the fees and I didn't need to do anything else. 

I started to be charged fees again. I called and spoke to several people, including a Wilmington branch manager ( which by the way she called me honey which was inappropriate and degrading ), she said theres nothing they could do I needed to make a deposit to stop the fees. And would only waive a portion of the fees. However, this is an estate account and I thought legally I was not allowed to make transactions unrelated to the estate. 

I am asking for all of my fees to be returned which is totals around {$80.00}.
Product: Credit card or prepaid card

After applying for a card I should have been eligible for. I received a denial for a reason that did not make sense. After a little research I found that there was some fraudulent info on my credit report. 

Speaking to Discover executive office, I asked if I was able to supply them with information confirming that the delinquent account that was the sole reason for my denial was not a statement of fact, if we could either reverse the declination or remove the hard inquiry on my account allowing me to reapply without any further harm to my credit. 

The answer I was given was a pretty clear yes. The representative XXXX also said he would be looking in to things and getting back to me which amounted sending me a letter XXXX XXXX XXXX XXXX XXXX XXXX 

After supplying them with the evidence and outcome of handling the fraudulent info on my credit I was sent yet another letter that was basically a copy and paste of the first. 

Upon calling and speaking to discovers executive office yet again and a supervisor there I have been told they can not and will not do anything at all for me, but also wont deny that I was lied to by their representative.
Product: Credit reporting or other personal consumer reports

I have completely paid off creditor ( XXXX XXXX ) account it is not showing updated as a paid off account on both my Transunion and XXXX report. It need to be updated as such on both. 

Also there is an account creditor name ( XXXX XXXX ) that was paid off as well still not updated as such on my XXXX. Please update my credit reports in regard to these two accounts as paid off/closed
Product: Credit reporting or other personal consumer reports

Transunion is reporting information on my credit reports also has another company the operated with sister company to report information thats not accurate I keep getting denied because Transunion is reporting accounts thats is do from identity theft I sent police reports and ftc report copy of my id gas bills to show proof of my identity but for some reason Transunion remove the debt than added it back on saying the companies sent them a police reports to add it back on I ask to get a copy of what ever they had to prove the debt was validated I was than told to contact the actual company which I did and get no where they refuse to speak with me and also I think they running crime organization by selling debt and keeping it on a some type of payment but each time they denied me I was denied credit and could be losing my home do to the poor action they refused to investigate the matter. please help me Transunion keep saying the accounts was remove but they are not I showed on my cfpb accounts they removed the accounts but on my credit report they did not I also will showed that the agents is operating my personal information telling me I cant dispute because I need a new reason to do so.denied me a complete accurate credit report. my point went from XXXX to XXXX there something wrong they also reporting on different account which is not accurate on XXXX and XXXX XXXX is diffrent and on scoresenses is not reporting the same diffrent date inquiry and my addresses I dont give transunion permission to sell or give my information to any one I also know they reporting transaction date in giving personal information my credit report without my permission I dont think its fair for any comapines to give out personal information putting me in danger to be hack hurt or stalk I wish to get help with this matter. accounts is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX dpt educations XXXX XXXX I also gave police reports and ftc reports so they can remove the accounts.
Product: Credit card or prepaid card

I received a bill from PayPal Credit. Synchrony Bank XXXX. XXXX XXXX XXXX, MD XXXX. The bill is for {$39.00} with late payment. 

I have no account with them and never applied for an account. When I tried calling at XXXX and finally got to speak with someone they said that they would transfer my call and that was the end of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, Experian and XXXX have these listed on my report. 

XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXl - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit card

On XX/XX/year> CapitalOne denied my initial dispute claim. The claim is for {$2700.00} from a merchant that overcharged me by that amount. On XX/XX/XXXX, per their request, I provided proof of the signed contract that stated the price of the service, and proof of the three charges that added up to {$2700.00} more than I owed to the merchant. I also provided communication between myself and the merchant that confirmed my claims. Regardless of this, CapitalOne denied my claim within hours of submitting the documentation. The proof I submitted was clear and I submitted it exactly how they requested, with my reference number and signed and dated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the XXXX pandemic I was unable to work due to my employer laid off staff and closed due to quarantine, therefore I was late making auto loan payments for an extended period of time during same pandemic. I explained same to my lender who advised me that the matter will be noted. I reviewed my credit report today and found that same auto lender reported my auto loan late for the months of XXXX and XX/XX/XXXX and for the full year of XXXX XX/XX/XXXX up until XX/XX/XXXX. It should be noted that my account was NEVER late before and after the pandemic. My account was late due to a XXXX XXXX in which I or the World had no control over therefore I shouldn't be held liable for same unforeseen events.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a complaint with the XXXX XXXX XXXX about erroneous information on my credit report. I'm not aware that the court is disclosing this information to a third party for any reason that isn't legal. I never given my permission. I'm requesting any documentation you have that this information was supplied to you.
Product: Checking or savings account

On Wednesday XXXX XXXX around approximately @ XXXX XXXX  i receive a call saying they was Amazon and my account got hacked which i have to do a similar transaction in order to get an reimbursement thru via XXXX wire transfer and gifts card to security better security service. They said i wont get the reimbursing by the end of the day which it did not happen. I called my bank and the gift cards to let them know about these fraud charges.
Product: Debt collection

I received an alleged debt notice from Midland credit on XX/XX/23, I sent Midland a Lawful notice and a declaration of fraud, to validating the debt and I received no response in the allowed 10 days noted on the notices. 

I informed them I have no contract with them, and they purchased the debt making them, a volunteer to paying the debt. After a debt is purchased per an attempt to try to collect or sell the debt is an act of fraud. 

I have the mailed alleged debt notice form Midland attached as well as my notices, sent to Midland asking for validation of the debt.
Product: Credit reporting or other personal consumer reports

My business name is XXXX XXXX XXXX I PURCHASED ITEMS FROM XXXX XXXX ON XX/XX/XXXX the amount was {$73.00} & XX/XX/XXXX the amount was {$150.00} PAID BOTH IN FULL HOWEVER EQUIFAX PUT AN DELINQUENT ON MY CREDIT
Product: Student loan

I have a private loans through Navient that I have n't made any room on the past 6 years. I originally took out XXXX and I currently owe XXXX. I have paid over XXXX on my loans and XXXX has gone towards interest. I am currently paying XXXX % of my salary. I feel like my loans were built up from the original amount and I do n't know why. I had a few of my loans change interest rates from 7 % to 13 %. I am very confused on what is going on. I have contact them about consolidation but was told over the phone that I ca n't do this will private loans. I offered to pay a settlement of XXXX and they refused to speak with me about this. I was told they will find a way to get the remaining back from me. I tried to contact the CEO about this but nothing back from them. I feel like at the age of XXXX when I took out these loans I was taken advantage of and now I am stuck.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I filed a dispute with my credit union for 3 transfers made thru XXXX XXXX in XXXX & XXXX. The client I was transferring funds to committed fraud against me in which I reached out to my bank to handle the dispute and provided all documentation. The bank failed to properly investigate and just denied my dispute XX/XX/XXXX because it was a XXXX XXXX issue. After informing them that XXXX XXXX deals with disputes thru financial institutions only and that I was successful with my other dispute made thru another bank for this same client, they still gave me a hard time and brushed me off didnt look thru my documentation that was submitted or anything. I think its unfair being a member for over 13yrs to just tell me oh well without properly investigating. I had to speak with a supervisor who emailed back office XX/XX/XXXX XXXX to reopen my claim and do a thorough investigation. I should not have to call my financial institution and inform them on how to properly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; XXXX, XXXX and TransUnion regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single one of these dispute letters. I received no response from XXXX, XXXX or TransUnion from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the XXXX, XXXX and TransUnion. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.
Product: Credit reporting or other personal consumer reports

I reached out to Experian about a an inaccuracy on my consumer report, and they said the is was updated but its not, and the account should be removed according to 15 usc 1681 Account info : lender name is XXXX XXXX
Product: Payday loan, title loan, or personal loan

In a desperate need to obtain a loan to pay some bills, on XXXX XXXX, 2017 I obtain a loan from Money Lion for the amount of {$3100.00} with an interest rate of 194 % which I feel is too much to be charged. I have tried to get them to refinance and lower the interest rate but they refuse too.
Product: Credit card

I'm eager to start a new chapter in my life, but this unknown account is preventing me from doing so. I implore the company to eliminate it promptly.
Product: Credit reporting or other personal consumer reports

I have late payments showing on my credit report with my XXXX XXXX XXXX credit card from XXXX and XX/XX/. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I am filing a complaint against Comenity Capital Bank regarding their handling of my cash back rewards on my Bread Cashback credit card. 

I have accumulated {$8.00} in cash back rewards. The banks website states : " To request a direct deposit, please call Customer Care using the number on the back of your card. You can still request a statement credit here. '' On XX/XX/year>, I called Customer Care to request a direct deposit of my rewards as instructed. However, instead of processing my request for a direct deposit, the representative issued a statement credit for {$0.00}. This action was not authorized and does not align with the instructions provided on their website. 

I am seeking CFPB 's assistance to have Comenity Capital Bank fulfill my original request and issue the {$8.00} cash back rewards via direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX  XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX charged what was my XXXX XXXX Credit Card {$5.00}. I didn't realize there had been a charge, didn't receive any correspondence from XXXX XXXX in form of a credit card statement, phone call or email stating I owed money. I happened to check my credit report and noticed I had a negative mark for being over 30 days late by {$5.00}. I called the credit card company, now owned by XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all at which time XXXX XXXX XXXX said they would submit a letter to the three credit bureaus stating that this was their fault and to remove the negative remark. The letters were submitted, nothing was done by the credit bureaus accept them saying the {$5.00} was owed but had been since paid. I opened up disputes with the credit bureaus, but nothing has been done. Each time the credit bureaus say there is nothing they can do. This has dropped by credit score significantly and will remain on my credit report and husband 's credit report for seven years. We have/ had credit scores at XXXX. Now my report is down to XXXX.