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

On XX/XX/2019 the bank decides to close my accounts ( Regular savings & Adv Plus Savings ) after a email communication very unclear, but when I try to use the funds were not available. I am told that the balance is will send by mail in a cashier check of the BofA. 
To date ( 2 months after closing ) the check ( s ) with the balances indicated they have not been received at the address entered in the bank in the XXXX XXXX XXXX XXXX and the explanations received by phone and XXXX do not answer where and when I will receive the money. 
The communications made on my side with the BofA ( Closure dptmt ) only respond to me that : the physical mail used does not have a tracking number and that the sent envelope does not have bank logo ; and therefore it is possible that them are lost ( who knows ... ). 
From my side I must wait and see in the check show up within the 90 days window that the bank has for a re issue of new checks. 
I find myself to date without knowing where my funds are, without being able to use them and with deceptive explanations that only tend to delay the return of my funds. 
As per today I'm facing direct and indirect damage due to the not availability of my money but this is not of importance to the bank. 
I'm still Bank of America customer through the credit card that I have valid and operational, however I see clearly that this bank does not want to provide any solution for a money deposited in confidence in their trust. 
After several harsh claims via XXXX, the bank appointed a contact person only reachable by phone, this person indicated that the checks were re issued on XX/XX/XXXX under the same scheme : plain envelope and basic postal service with no tracking possibility. 
Again I must wait and see ; and clearly a new window of 90 days was open on XX/XX/XXXX, meaning that the recovery will be perhaps within 4 months from closure. 
A total lack of responsibility, and care for the fund deposited with this bank, a total lack of service from an institution that is created to give security to funds deposited, a total distortion of the function that a bank must perform mishandling funds of a customer and giving totally unprofessional responses with zero responsibility on actions taken with the assets of a third part. 
I currently reside in XXXX XXXX / XXXX and it is not possible physically present myself at the bank branch, from there this request. 
I would greatly appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint to XXXX about a {$50.00} mark in XX/XX/XXXX on my credit report they had on me that was made 7 years ago in XX/XX/XXXX, here now in XX/XX/XXXX they put a 90 day credit freeze on my report. I can't do anything, I am a senior citizen with XXXX, and I can't afford XXXX   here in the US and need to go to XXXX. This I had to cancel till I work this out. I called XXXX and talked to at least 6 people none of which where here in America, and asked a lot of question half of which I couldn't understand, and was transferred every time. This is a Foreign Company controlling my credit and asking for my SS number.
Product: Credit reporting or other personal consumer reports

The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a collections report on my Trans Union credit report. Opened XX/XX/XXXX. 

I have no knowledge of this Collection, but its paid. 

I sent a letter to them certified on XX/XX/XXXX but havent gotten a response
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander consumer incorrectly reported 2 late payments on my credit and I want it removed immediately. I am currently speaking with a lawyer and I will file a lawsuit if they continue to falsely report activity on my credit report. Inaccurate information needs to be removed immediately or I will continue with legal action. I want the two late payments removed immediately. I will also be contacting law enforcement for financial harassment by Santander if the late payments are not removed by the end of XX/XX/2023.
Product: Credit card or prepaid card

I have a credit card and a loan through Avant, about 4 months ago they blocked my access to my account online. They are taking money out of my bank account to make payments, but when I contact them regarding balances or where the money is going, they tell me that according to their records I do not have an account. I recently received an email to call them regarding stopping my ACH transfer, I get the same response, I do not have an account on file for them, yet they continue to take money from my checking account and can not tell me where this money is going. According to my credit report the balance on the loan and card keep rising, no payments are being made to the account but again they keep taking my money. How can I resolve this without losing more money and without ruining my credit because they show I am not making payments on my credit report...? They also refuse to send me paper statements. They said my customer ID number is XXXX but again when I call they have no record of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent letters to Equifax. My credit report shows 2 Hard copy inquiries. I have documentation which was sent to Equifax.. First one is XX/XX/2018, my debit card was compromised. Second one XX/XX/2018, my other debit card was compromised. The one dated XXXX, XXXX XXXX XXXX sent a letter from their fraud dept to have the hard copy inquiry removed due to fraud. The first one was a television company the people were wiring money through this company to XXXX, via XXXX XXXX washington, I called the commanding officer on site also to let them know what had happened, this account just to fix my debit card was time consuming. The one in XX/XX/2018, my account was fixed the next day, but the hard copy has still remained on my account. Calling is a nightmare, no one speaks English very well and I have been hung up on, told they need more information, they have my ss #, my address name and on and on, I get we are sorry we can not help you and we never received any letters, XXXX XXXX XXXX XXXX someone tried to purchase 2 cellphones, XXXX XXXX XXXX told me the password did not match so the transaction was stopped but hard copies had already been pulled. I am trying to purchase a house and was told to contact CFPB to help out. Since XX/XX/2018 I have been fighting them with NO success. Help is appreciated.
Product: Checking or savings account

Wells Fargo has taken overdraft fees numerous times when I had money when the purchase was made.
Product: Credit reporting or other personal consumer reports

I have requested the removal of the TJX Rewards card that XXXX listed on as an authorized user from Equifax and XXXX. This information is also listed on XXXX XXXX. The information hasnt been removed. This is causing my debt to income ratio to reflect improperly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.
Product: Checking or savings account

CITI bank is keeping me from my own funds. I deposited {$250000.00} with them in XXXX to earn a reward offered for new savings accounts. On XXXX XXXX I began the process of withdrawing my money to invest it. I have spent hours verifying who I am with them on the phone. They asked a seemingly endless stream of questions and even said they must call me back in the middle of the call on an unrecognizable number that makes the whole experience feel very fraudulent and untrustworthy. They verified they could SEE the phone number from which I was calling but insisted that they had to call me on that number from a different number after which I was asked for the last four digits of my SSN. In a subsequent call, I asked a CITI rep whether the number from which I had been called from was a valid CITI number and the rep said the number was not a CITI number. Since I began trying to transfer my own money to the same bank from which it originated, I have repeatedly initiated phone calls to CITI with people who, while having difficulty speaking XXXX and sometimes having roosters crowing in the background, showed no empathy or concern other than scripted Im sorry for responses. Despite expressing being sorry, they subsequently engaged in hour-plus long phone calls that have been repeatedly dropped. After I correctly verified my 16-digit debit card number, PIN, last four of SSN, address, account number, purpose for the withdrawal, and so on, I incorrectly said that my wife was also on the account. I had to spend another hour to get back to that point with a different phone rep. To date, after 16 days of trying, I had one wire transfer go through ( the limit is apparently {$500000.00} per day ), Ive had one wire transfer get canceled for undisclosed reasons ( today after 75 minutes of verification ), and one is still pending despite over 1 hour & 15 minutes on the phone today before CITI dropped the call. After over two weeks, this bank has transferred only {$65000.00} of my {$250000.00} back to me. I need help. They mention that their concern is fraud protection, but it is my money. I have more than adequately verified who I am, and I am only trying to transfer it to the same legitimate bank account in my name from which CITI received the funds in my CITI savings account. They did not block my two transfers of {$100000.00} and {$150000.00} into CITI but they are unreasonably blocking my efforts to recover my money. PLEASE HELP ME
Product: Credit card or prepaid card

Took settlement offer with credit card company and paid it. For 2-3 weeks after they continue to call and email me saying I need to make a payment. The money came out the same day. I told them to stop calling me and they still continued
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with purchase agreement to show full ownership of such account and also other documents I may review to see the accuracy of said account. I understand my rights under 15 U.S.C. 1681 Sec. 602 A ; and 15 U.S.C. 1681 A ( 2 ). I was never notified in writing per 15 U.S.C. 1692 prior to accounts being on my credit report withinXX/XX/XXXXdays. Moreover, these accounts violate debt collections and abusive and unfair practices under 1692f ( 1 ) ; in furtherance, 15 U.S.C 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections on my report from XXXX XXXX. This collection has been paid in full and XXXX XXXX SAID they contacted the bureaus to delete from my file. And it is still there. I would like it removed immediately and my score to gain back the points that was taken from me for the collection.
Product: Debt collection

In XX/XX/XXXX I was a victim of identity theft my identity was misused. Someone got apartments in my name and utilities in my name without my permission. I am requesting this be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent auto loans on my credit report that the credit bureaus refuse to remove. One from XXXX XXXX XXXX and the other from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX  XXXX  XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX  XXXX  XXXX {$75.00} XXXX XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from my creditor, Barclays, advising that they had reduced my available credit limit. On XX/XX/year>, I reviewed my credit score and found that this change had reduced my score by XXXX points on XXXX and XXXX points on XXXX. I contacted Barclays and was told that this was an internal change and should not affect my credit score. I was told that I could reinstate my original limit with in 60 days. 
Even with this adjustment my credit usage is at 5 %. 
I am concerned by such a large decrease in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bringing suit against XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX to recover damages stemming from violations of UDAAP. 
XXXX ID : XXXX issued XX/XX/XXXX This is the fifth time XXXX has deceptively reported a current loan as past due greater than 30 days and over 60 days that was current. They have done this five times in the last 9 months. XXXX is fraudulently reporting this loan as charged off and owing {$860.00}. However I received written communication dated XX/XX/XXXX that the amount they're claiming owed is {$420.00} by XX/XX/XXXX. I have written XXXX and dispute the validity of this debt and ask for full explanation and have not received a response or acknowledgement by XXXXof Texas. However, I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loans. Loan ID are XXXX XXXX XXXX XXXX ID : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX paid in full XX/XX/XXXX ) and XXXX ( issued XX/XX/XXXX paid in full XX/XX/XXXX ). This has caused me irreparable financial harm with far reaching consequences preventing me from getting approved for housing. I am seeking full monetary relief due to significant drops in my credit rating.
Product: Debt collection

This debt was sold to a debt collector, whereas the debt was ripped off and sold to a collection agency who has no written contract with me whatsoever, declaring that I have a debt with them
Product: Mortgage

I was having problems with making my payments after my husband died I was denied a loan modification and am now doing a short sale. I was give 3 diffrent values and my agent has requested a copy of the BPO and appraisal several times so we can see the true value and Mr Cooper will not provide me with a copy. My agent told me that the CFPB requires the lender to give me a copy of all valuation reports used to determine value of my home. Please help me get a copy so I can go over this with my agent and the buyer so I do not lose my home to foreclosure and destroy my credit. 

See the remarks from Mr Cooper : XXXX Negotiator RE : Ponder Request for HUD and Contract Amendment Investor will not give our the bpo. If the borrower was requesting a modification ; then that department would give her a bpo ; that is not the case for a short sale since she is not keeping the property. 
XXXX XXXX Investor will not give our the bpo. If the borrower was requesting a modification ; then that department would give her a bpo ; that is not the case for a short sale since she is not keeping the property.
Product: Credit reporting or other personal consumer reports

FOR STARTERS, I HAD AN ACTIVE INSURANCE POLICY. 

STILL, TO THE HEART OF THE MATTER : THIS HAS TO BE ONE OF THE MOST TRAUMATIC EXPERIENCES OF MY ADULT LIFE. 

XXXX XXXX SO FAILED TO HAVE A PLAN IN PLACE TO RESPOND IN A SAFE AND TIMELY MANNER WERE ONE OF THEIR TOP FLOOR WASHER HOUSES TO BURST. I HAVE CALL LOG RECORDS. IT TOOK OVER XXXX MINUTES FOR THE CITY TO RESPOND AND WELL OVER XXXX HOURS FOR XXXX TO XXXX. 

SEE, I WAS FORCED TO XXXX  JUMP OUT OF MY SHOWER, AFTER A GRUELING XXXX & AFTER ALL MY EFFORTS XXXX FIREFIGHTERS SHOWED UP TO URGENTLY SOLVE THE MATTER ONLY TO, - &, OF COURSE, THIS IS RECORDED ALBEIT UNTINTENTIOANLLY, AS WE RECORDED THE WHOLE EVENT - AFTER SPENDING XXXX OR SO MINUTES FAILING TO REACH ANYONE SAID TO MY PARTNER & I, SOMETHING LIKE : " DUDE, CALM DOWN & GET DRESSED... NOTHING YOU CAN DO, DO YOU HAVE INSURANCE? ... XXXX, XXXX THEM ... '' WHEN XXXX HARD WORKING FIREFIGHTERS CAN'T FIND A SHUT-OFF VALVE, CAN'T COMMUNICATE WITH STAFF IN A MATTER AS URGENT AS THAT WAS, WHAT WAS I SUPPOSED TO DO? 

BUT WHAT REALLY TRULY XXXX WITH ME IS THAT, AFTER XXXX OF THE WORST & LONGEST NIGHTS OF MY LIFE... WHERE I WORKED ALONGSIDE THEIR STAFF TO CLEAN THE APARTMENT, TO THROW OUT THOUSANDS OF DOLLARS OF PERSONAL DAMAGED VALUABLES ... AFTERWARDS, AROUND UMM, SAY XXXX IN THE MORNING, XXXX RECENTLY UNEMPLOYED PERSONS WERE COLDLY, DISMISSIVELY, CHASTINISENGLY FORCED TO LEAVE THE APARTMENT FOR WHAT WAS MADE CLEAR WOULD BE AN UNDETEREMINED TIME PERIOD, AND FOR A PERIOD DURING WHICH THERE WAS NO COMMUNICATION. 

FOR THE FIRST TIME IN MY LIFE, I HAD TO SLEEP IN MY VEHICLE IN A PARING LOT. WHEN I SHOWED UP TO XXXX TO SEE IF THEY COULD WORK WITH MY INSURANCE COMPANY TO FIND ME LODGING AND TO RESOLVE THE WASHER MACHINE PIPE BURSTING, THEY SEEMED MORE UPSET BY THE FACT THE THE NEIGHBORS BELOW MY APARTMENT WERE FRUSTRATED THAT THEY HAD TO ENDURE THE MADNESS INTO THE EARLY MORNING. 

I EXPRESSED CLEARLY TO XXXX XXXX XXXX, IN PERSON AND OVER THE PHONE - ADMITTEDLY, SOMETIMES IN FIRM TERMS - MY DISAPOINTMENTS & DESIRE TO RESOLVE THE MATTER. 

IT BECAME CLEAR THAT THEY HAD NO INTEREST IN FIXING THE APARTMENT OR IN COMMUNICATINGWITH ME -- GIVEN THAT THEY HAD SERVED ME AN EVICTION NOTICE. 

AND SO, HAVING CONFIRMED THAT I WAS COMPLIENT WITH THE TERMS OF MY INSURANCE LEASE & A FEW DAYS SHORT OF DELIVERING THAT MONTHS RENT, I DECIDED THAT IF I WAS NOT TO HAVE CERTAINTY REGARDING WHEN I COULD RETURN TO MY APARTMENT, & GIVEB THAT I HAD TO SLEEP XXXX NIGHTS IN MY CAR ( & EVENTUALLY SPEND XXXX MONTH IN A MOTEL ) IT SEEMED IN EVERYONES BEST INTEREST THAT I MOVE OUT PRIOR TO THE TERMS OF MY LEASE. 

AND SO I DID. AND I DID SO HAVING EXPRESSLY RECEIVED CONFIRMATION FROM XXXX STAFF THAT THEY WOULD RESOLVE THE MATTER WITH MY INSURANCE COMPANY. 

Oh, HOW I REACH FOR EVERY POSSIBLE CURSE, HAVING JUST RELIVED THIS. 

BUT SUFFICE IT TO SAY, THE DOCUMENTS ARE THERE, THE FIREFIGHTERS, MY PARTNER, SUPPORTIVE BUILDING MATES, & DIGITAL RECORDINGS ARE THANKFULLY SAVED. 


THANK YOU.