23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I first received a cashiers check from a soon to be employer who contacted me through XXXX XXXX. I was told I would be receiving a cashiers check, to be deposited into my checking account through XXXX XXXX Bank. I deposited the check into my account on a Friday, left it there until Monday. On Monday, I went back to XXXX XXXX Bank to get a cashiers account to transfer to a Chase Bank account ( XXXX that my " employer '' had provided me information to ). I went and got the check from XXXX XXXX Bank, and took it over to deposit in the account at Chase Bank, no problem. But on that Wednesday, I get a call from my bank ( XXXX XXXX Bank ), saying the check ( originally written from XXXX ) was fictitious. I then reached out to Chase Bank to see if I can get information about the account I deposited the check into, or to at least notify them that this fraud act was happening. To which they blew off, and would not even let me speak to a manager about the activity. So this complaint is about the fact of Chase Bank, not working with me to figure out this fraudulent claim. The check I brought to Chase Bank went through so now I am stuck with having to pay off thousands of dollars, of which I had no clue were fictitious. As of right now, XXXX XXXX Bank is making me responsible for paying back XXXX, that I do not have. Nor can I easily pay off such a big amount of money. When called by XXXX XXXX Bank, the worker mentioned multiple times that the responsibility would fall on the bank itself, and not the customer. But is now saying that I have the responsibility to pay back. All of which I have recorded on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remember me, OCWEN? Complaint # XXXX " Simply put, we were " OCWENed ''. OCWEN told us not to make payments while we were going through their in-house modification program. AFTER we applied, we were notified that OCWEN does not modify second mortgages. But you know what OCWEN does do, they will foreclose on a second mortgage, which is exactly what they did. My bride and I were out of the country when OCWEN sent us certified letters, notifying us of the foreclosure they were pursuing. We never received those letters because of how long they were in our PO Box , consequently those letters were returned ( which is on record ). But we did receive an eviction notice in XXXX, after OCWEN was actually successful with foreclosing on our home. Wrapped up lawyers expenses, destroyed credit, and unable to get a credit card or refinance our first mortgage, OCWEN is slowly financially killing us. '' In the last complaint, OCWEN gave a snarky ( CFPB public ) response of ; " XXXX XXXX informed Ocwen that you would not be able to make the increased payments, and the calls resulted with Ocwen providing XXXX XXXX with information as to the process of applying for a loan modification. Ocwen agreed to set up an appointment with a Relationship Manager to further discuss the issue, but I can find no evidence that anyone from Ocwen instructed either of you to default on your loan to qualify for a loan modification. '' Loan Modification? I can find out if I qualify for a loan in 15 minutes.It took OCWEN 2 months to figure out that as a 'loan servicing ' company - OCWEN is not allowed to modify second mortgages??? This part of their strategy to foreclosure. 


That was cute, until I actually found video of the phone conversation where OCWEN did in fact tell us NOT to make payments. ( I began recording our interaction because the whole process seemed so shady ) Well, we took OCWEN to court, won, and OCWEN is still not fulfilling the obligation spelled out in settlement agreement, which includes credit restoration. 

I am happy share this video with anyone interested, and how we beat OCWEN in court.However, just because we won in court, doesn't mean that OCWEN will adhere the settlement agreements.We live in Alaska, OCWEN is based in Florida - apparently they don't feel obligated to rules and the judgement agreed upon in Alaska.This case was settled on XX/XX/XXXX, and OCWEN still has done nothing to repair our credit with the reporting agencies - and this was agreed upon as terms of the settlement.They kicked this can down the road for 4+ years and are still dragging their feet.There have been talks back and forth with lawyers, but absolutely zero results.This is not rocket surgery - it should take no more than two days to speak with the 4 major credit reporting agencies and remove the default ( that OCWEN strategically placed while we going through loan modification, ensuring that we could not refinance with any other institution. ). 

These evil people are ruining hard working families, and doing so with no remorse and what appears to be no consequences for their illegal activity.
Product: Debt collection

I have contacted Rash Curtis & Associates on 5 separate occasions about XXXX accounts, I dispute having knowledge of, that they have placed on my credit. 

I am referring to accounts numbers XXXX and XXXX. I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the accounts belong to me when they do n't!!
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXXXXXX - {$610.00} XXXX XXXX XXXXXXXX - {$810.00} XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain XXXX, IN XXXX ( XXXX ) XXXX This is showing on my XXXX Report. I do not recall every trying to sign up with OneMain. I'm afraid there has been some sort of identity theft. 
I do receive a lot of mail about loans. Not sure if someone tried using it for their benefits? Please advise
Product: Vehicle loan or lease

XXXX and XX/XX/2020 I fell behind on my car loan payments. 
XX/XX/2020 I received assistance from Wells Fargo COV ID relief program which brought my loan current. 
XX/XX/2020 my car was repossessed in XXXX XXXX while I was present breaking Governor XXXX 's Stay At Home Order and also causing a Breech Of Peace. 
XX/XX/2020 Wells Fargo denies ever receiving a request from me for assistance. 
They respond with they have been calling me. 
They sent me payment reminder emails 2 x a month up until XXXX which clearly coincides with me accepting assistance in XXXX. 
XX/XX/2020 I ask Wells Fargo if they can help me and they advise me they will cover all repossession costs which total XXXX for COV ID relief. 
XX/XX/2020 they issue a NOI statement demanding the back payments with the repossession included. 
XX/XX/2020 I recieve an email from Wells Fargo saying they will honor the XXXX but will not change it on the NOI statement therefore forcing me to pay the repossession fee. 
XX/XX/2020 after paying an additional XXXX that should have been applied to my loan I recieved a letter from Wells Fargo indicating that my loan was at default for stop payment on a check that Wells Fargo lost and was also advised of a reissuenice, but decided to cash anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their " Potential Impact '' site www.equifaxsecurity2017. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior. 

I demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing security freezes on credit reports.
2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this data breach.
3 ) Permanently waive all fees for placing or removing fraud alerts on credit reports.
4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this data breach.
5 ) Enable individuals to place permanent fraud alerts on credit histories at no charge, instead of limiting fraud alerts to 7-year periods.
6 ) Issue unique Personal Identification Numbers ( PINs ) to individuals who request security freezes on credit reports, instead issuing PINS that are actually easily replicated date stamps in the format of MMDDYYXXXX.
Product: Mortgage

I filed XXXX complaint against Wells Fargo but nothing was accomplished. I 'm not sure what good it does for filing a complaint if you guys believe whatever the bank tells you. I tried to get a pay off amount for our loan and they told me they had to order XXXX which would take XXXX to 7 days and my sale date is XXXX XXXX. The supervisors name is XXXX XXXX is his employee I 'd. We are submitting new paperwork tomorrow for a loan modification and we 'll see what they say now since my wife no longer is in the military to get les statements. It 's pretty sad that banks would force people to file chapter XXXX bankruptcy rather than work with them to save it
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I had an account with PayPal and they suddenly closed it and will it allow me to withdraw my funds. They are holding my money and refuse to allow me to access it. Please help!
Product: Credit reporting or other personal consumer reports

i am filing a complaint regarding an unauthorized American Express account that was fraudulently opened in my name on XX/XX/year>. I had no knowledge of this account and never gave authorization for it to be opened. 

I only recently discovered this account when reviewing my credit report, and I immediately took action. I contacted American Express to dispute the account, but they have refused to remove it. I have also filed a police report documenting the identity theft. Additionally, I do not have any bank or credit card statements related to this account because I never used or authorized it. 

As of now, the amount in dispute is {$4700.00}, which should not be attributed to me. I am requesting that the Consumer Financial Protection Bureau investigate this matter and that American Express remove this fraudulent account from my credit report immediately. 

Please advise on next steps
Product: Debt collection

During the month of XX/XX/2022 Navy Federal Credit Union began to exercise a right of offset on my bank account. However in the state of Mississippi, by law, Navy Federal is required to give me 30 days notice before seizing funds from my bank account. They seized approximately {$2500.00} which was a payday loan check from another creditor. This practice of seizing funds without 30 days notice is illegal in the state of Mississippi. It may also be illegal for Navy Federal to exercise the right of offset for credit card debts if they are a federally chartered bank, which I'm not sure if they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft and prior to putting a freeze with the credit bureaus someone attempted to use my information to try to obtain credit under my name with several financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX to early XXXX, XXXX, my XXXX  account was hacked and my debit card info stolen. During this time, the subject attempted to apply for several loans and credit cards and was able to open one with Upgrade Inc. After I obtained access back to my XXXX  account, I placed a fraud alert. I was not notified of the Upgrade credit card account until mid XXXX once it popped up on my credit report. It said that this account owed nearly {$10000.00}. I did not apply for this account and contacted Upgrade. I sent them the requested documents to their claims department as directed by the employee. Its been three weeks and I havent received a response even after sending several emails and voicemails requested a reply. This fraudulent account has also resulted in approximately {$3500.00} being withdrawn automatically from my checking account. I have received zero assistance from Upgrade Inc regarding this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate EVERY piece of information '' on the accounts I have listed below. I stated 15 USC 1681 andAlso, I have attached tracking info XXXX 
According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on, or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. 

They stated my account was verified nut how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : 1. XXXX  -Acct # XXXX 2.XXXX XXXX Acct # XXXX 3XXXXXXXX XXXX XXXX - Acct # XXXX 4.XXXX Acct XXXX XXXX 5. XXXX XXXX Acct # XXXX 6.XXXX # XXXX 7. XXXX XXXX Acct # XXXX 8.XXXX XXXX- Acct # XXXX 9. XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

Experian Information System, This is a LEGAL NOTICE and not a dispute letter. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Child Support Nebraska acct # XXXX DELETE IMMEDIATELY for inaccurate reporting of Child Support, Judgements, Liens Fines on my credit report. This is not supposed to be be reporting on my credit report it did not derived from a credit transaction under FCRA Law and should not be reporting. I did not give written authorization to obtain my consumer report.

FCRA- Defined the " collection of an account '' is permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. XXXX XXXX XXXX XXXX XXXX, Experian Informational System , Inc. and Support Kids. You must comply with the new interpretation of the law and ensure the timely corrections of this error.

Should you continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record if my communication with you. I also sent an affidavit on XX/XX/2023 in which your company did not responded to legally or by law. 
Thank you for your immediate attention to this matter. I expect a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent outsourcing account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Chapter & Bankruptcy Reference # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00} I did not make or authorize this charge and may have been the victim of identity theft. 

On XX/XX/XXXX I filed a dispute with CAPITAL ONE 360 account via email and phone explaining that someone stole money from my account a merchant name XXXX  Transaction Date : XX/XX/XXXX took money from the account in the amount of {$9000.00} I have never done business with the merchant name XXXX  and I never authorize XXXX to take money from my account. I did not make or authorize this charge. 

I requested CAPITAL ONE 360 account that the charge be credited and reinstated to my account and I receive a correct statement ASAP. I also asked CAPITAL ONE 360 account to investigate this matter. CAPITAL ONE 360 account failed to investigate this matter properly and correct the billing error as soon as possible. My CAPITAL ONE 360 account at the moment is negative, CAPITAL ONE 360 account also locked my account and I have no access to my banking account. 

CAPITAL ONE 360 account failed to protect my bank account and my money. CAPITAL ONE 360 account claims to protect their customer from unauthorized charges and fraud. Failed to protect me as their customer. 

I failed a dispute with Florida Attorney General. I also contact the local media, TV, and news. I will take this fraud nationwide if CAPITAL ONE 360 account fails to fix it. 

These requests are being made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) Im requesting any finance and/or other charges related to the fraudulent charge be credited to my account. These charges are fraudulent.
Product: Checking or savings account

On XX/XX/XXXX I signed up for US Bank 's XXXX XXXX checking account using a promo code XXXX. At that time, this promotion offered {$400.00} if I deposited {$3000.00} of new funds within 30 days of opening the account and keep it for 60 days, enrolled in online banking, and made 5 debit card purchases within 60 days of account opening. I have a screenshot of the offer page that show these terms, this promo code and that the offer is valid through XX/XX/XXXX. There is also a contemporaneous blog post that noted on XX/XX/XXXX that this same promo code had extended its expiration date to XX/XX/XXXX. 

I was approved and opened a XXXX XXXX checking account on XX/XX/XXXX. I've completed all the three offer terms above ( other than needing to wait a few more days for my $ XXXX deposit of new funds to have been maintained for a full 60 days ). 

Today, I asked US Bank to confirm that I would receive my bonus as expected. They, however, informed me that their system showed that my promo code expired in early XXXX and that I was not eligible for any bonus. I responded that I had a screenshot of the offer and could prove that it was valid until XX/XX/XXXX on the day that I signed up for the account. But US Bank refused to investigate and instead asserted that I would have to wait at least 105 days from the deposit of my $ XXXX funds for them to even inquire as to my bonus status. 

This is ridiculous for two key reasons. 

First, my dispute is whether I am eligible for the {$400.00} bonus associated with the offer at sign up. US Bank confirmed it believes that the code was expired, but it was not. There is simply no reason to delay resolving this issue and reviewing my clear proof that the offer was not expired and that I am eligible for the bonus. 

Second, this is clearly an attempt by US Bank to force me to continue to abide by their offer terms when it seems like they have no intention of honoring the bonus. By refusing to confirm that I'm eligible for the bonus, they are placing me in a catch-22. I either keep my funds there for another 45+ days to satisfy the terms of my offer ( even though US Bank won't award the bonus based on their system glitch ) or I withdraw my funds now given their bad faith actions but give them an excuse to say I didn't complete all the required terms of the the disputed bonus. It is ridiculous that that US Bank can refuse to confirm bonus eligibility for entirely nonsensical and arbitrary reasons. 

I will note that my husband signed up for the same account in late XXXX. He too had issues with US Bank refusing to honor its bonus and was only awarded the bonus he earned after 5+ calls with different agents ( all of whom agreed the conditions had been met ) and filing a complain with the CFPB. 

I should have known better than to bank with them again after that experience. So I am submitting this complaint to get the CFPB involved as soon as possible to avoid another long protracted battle over US Bank honoring its checking account offers. I suspect others have been similarly mistreated and would hope that they are made whole too.