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

Monday XXXX-2021 @ XXXX XXXX I received a text message from my banks fraud dept. advising of a {$450.00} charge to XXXX and if I recognized it, I responded NO. Then at XXXX XXXX immediately after the text message I received a call from a man that claimed to be from my banks fraud dept. ( the phone number was from my bank ). The man advised me that our debit card had been canceled and a new one was already ordered. The man disclosed all my personal info including my secret 4 digit code that only my bank and myself is supposed to know. He then disclosed my mothers maiden name which is too only to be known by my bank and myself. Once he disclosed my personal info he asked me to verify my online banking user name and password which he also knew, I just confirmed it. The guy then sent me to text from my banks phone number displaying security codes that would give him authorization to access my account. He then explained to me that my account would be suspended temporally to protect from further non authorized charges. At that point he asked if I had any other questions which I said no and the call was ended. Then at XXXX XXXX I received another text from my bank advising of a {$1100.00} charge that was just made from my account. 

I called the same bank number that I just got off the phone with and was given to a lady in the fraud dept. I advised the lady of what just happened and she said I was scammed. She took my info, closed my account and deactivated our debit cards and advised that I needed to visit our local branch to open a new account. She told me not to worry that she had been working on this scammer all day and that I wasn't the only victim. 

On XX/XX/XXXX2021 @ XXXX XXXX I visited our local branch and spoke with a banker. He confirmed everything and excused himself while he made copies of the documents I brought with me. When he returned he advised that since this situation was my fault that opening a new account would likely not be approved, and getting the {$1100.00} we lost would likely not happen. The banker went ahead and opened a new account but said it would likely not stay active. 

At approximately XXXX we visited our local police department and spoke with an officer to file a report. After explaining our situation to the officer she advised that it would be impossible to track down the scammer because of the bank phone number used. I advised her what the bank had told me and she felt that we were dealing with a security breach or bank employee because the scammer new all my personal info including the security keys that only myself and the bank should know. The officer give me her contact info and advised that she would call the bank to see about what she can do for us.
Product: Debt collection

I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/2019 to June/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letter that was certified mailed to them. The notarized signatures that goes with Id theft claim to XXXX XXXX that was upon requested. I have not received any feed back on the verifiable Id theft claim that was sent to XXXX XXXX notarized and certified mailed. In addition to that, XXXX XXXX have not responded to any of my written validation letters. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My fraud Identity. is not taking into a removal or into consideration. Additional to that, Equifax has not respectfully take my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Equifax is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have remove the items off my credit report. Accept Equifax and the other credit bureaus on XXXX/2019 communicated with Equifax that I am a victim of Identity Theft and Equifax has not take my case into consideration.
Product: Credit card

I made a purchase for a sneaker shoe on XXXX XXXX the post claimed the shoes were delivered but I have not received them. I contacted Macys within the time frame of the delivery and to date I have not been offered a credit. XXXX representative said the credit would be applied back in XX/XX/2024 to date that hasnt happened. The amount of {$86.00} remains and Macys telling me that I should file a police report. In addition, I have made several payments and still my balance remains unchanged.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX Reporting 30 days past due for XX/XX/ In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a 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. Please remove this late payment from my credit report.
Product: Checking or savings account

I received an email stating that my debit card is no longer working and they sent me a new one then I called the company and customer service verbally told me the company no longer wants to affiliate with me I asked them the reasons why they said they couldn't tell me possibly something to do with fraud and I had to call this number I called a number and they said the same thing that customer service told me and that remaining funds that were in my account would be mailed out I've waited days I haven't received anything that has put me into a situation paying my bills and getting to work.
Product: Mortgage

I terminated my mortgage application with Ameris Bank, due to the fact that Ameris Bank has repeatedly failed to deliver on a mortgage loan application that I initially applied for on, XX/XX/XXXX, via online banking app. 

I received my 1st preapproval Notice from XXXX XXXX via email on XX/XX/XXXX. I then officially submitted my loan application on XX/XX/XXXX, for the purchase of a certain property located at, XXXX XXXX XXXX XXXX XXXX Georgia XXXX. 

More specifically ; I was informed initially by the loan officer, XXXX XXXX, that she could probably close the loan on or about, XX/XX/XXXX. The loan officer, then advised, that it would be closer to the XXXX of XXXX, before closing. The loan officer then later requested an amendment to extend the buyer 's financing contingency until XX/XX/XXXX. 

XXXX XXXX, my real estate agent informed me again, that the loan officer needed more time to process the loan, and closing will not take place on XX/XX/XXXX, nor on the XXXX of XXXX, as the loan officer promised. In fact, it was quite obvious that Ameris Bank, would not get this loan out of underwriting until early XXXX, at the earliest. 

This fact then put closing well beyond the XXXX of XX/XX/XXXX, as the loan package then must go to, USDA underwriting, putting the closing date well into XXXX. I've offered two extensions after already coming out of an extended 4-month lease, I was charge an extra {$500.00} for rent for XXXX, bring my rent to over {$2800.00}. I must be out of this property by the XXXX of XXXX, This failure to deliver a mortgage product in a timely manner has cost me extensive hardship and financial strain. In addition, Ameris Bank has violated the Fair Housing Act Laws, as engaged in practices that are discriminatory in the Terms and Conditions of The Application Process, and Discriminatory in Terms of Income and Disability Status. 

In addition, Ameris Bank 's loan officers, have run my credit report, more than six times in the last month, driving my credit scores down, causing me undue hardship and on-going financial distress. 

Please note, I demand that Ameris Bank return all of my cost associated with this matter, including funds that I have provided, in relation to this loan application and processing ; including the following cost :
Product: Checking or savings account

XX/XX/year> Visited Cap one Cafe since I don't bank online. An ambassador XXXX XXXX XXXX  was kind enough to assist me. Called Cap One and activated my debit card with agent on phone. Said I was good with transfer and withdrawal until the ATM gave me an error message. XXXX came over and asked what was wrong and I told him what happened and tried again, still not able to make withdrawal. He calls up Cap One and speaks to XXXX who tells both of us my account is restricted, after speaking with first rep who stated I could make a transfer and withdrawal. We were advised the account has been restricted and no one can assist until Tuesday. Why the mixed messages! Seems Capital One can't get their banking practices together with their phone representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX XXXXXXXX and looked at several XXXX. We decided on one I was interested in but wasn't entirely 100 % on as we figured out numbers. They asked if I would like to check credit to see what they could do. I explicitly asked several times to verify what kind of pull this would be, soft or hardpull, and after asking I was told each time that this would be a preliminary softpull. I woke up XX/XX/XXXX to find out they ran a hardpull on my credit. This seems rather unethical and after this I will not be choosing to go with XXXX  XXXX. They tried to rush me through certain steps of negotiation and it left me feeling like something was going on and sure enough ...
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified the credit bureaus of my identity theft problem. It has been over 90 days and they have not conducted an investigation. There is no way the fradulent account could still be reporting on my credit report. I was always under the impression that the credit bureaus have 30 days to complete their investigation. According to 611 ( a ) if they bureaus do not conduct a proper investigation within 30 days the accounts are supposed to be deleted. This is definetly my case since the credit bureaus have been ignoring my disputes. At this point all the accounts in my FTC report should be deleted. Me being a victim of the Equifax data breach does not make things any better. My information could be in the hands of lord knows who.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I bought tires from the XXXX store in XXXX, OR. I paid the balance when I picked up my car using a XXXX XXXX that I had and my credit card. Months later they started sending me credit collection notices. The last notice I received I wrote on the collection notice that I paid the balance in full at time of service. I have not heard back from them and this is showing up on my credit report. I need it removed from my credit reports.
Product: Mortgage

XXXX and XXXX XXXX Loan number XXXX XXXX contact number XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : Mr Cooper/Nationstar loan servicer is continually applying payments improperly and proceeding and engaging in inaccurate accounting practices. 

There have been over 5 attempts to resolve this issue via phone calls and lastly by emails with Mr Coopers customer service over the last 45 days. 

I have requested that {$1000.00} payment made on XX/XX/XXXX be applied to XXXX payment and {$1000.00} payment made on XX/XX/XXXX be applied to XX/XX/XXXX payment. 
I have been assured each time this would be taken care of and there would be written notification. This has not happened. 
My daytime contact number is XXXX I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days See below : On Friday XX/XX/XXXX the following email was sent and received by Mr Cooper/Nationstar : Please accept this email as a formal complaint against your business. 
Per our phone discussions over the last few weeks I am requesting in writing this time to APPLY PAYMENT made on XX/XX/XXXX to XXXX payment and APPLY PAYMENT made on XX/XX/XXXX to XXXX payment. 
I hope this can finally be resolved. 
Thank you, XXXX XXXX Loan number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct the inaccuracies on my credit report. Specifically, I have encountered significant difficulties in resolving the issue of late open accounts and the removal of a late closed account from my credit history. 

Here is a summary of the unsuccessful attempts and the issues I am facing : I discovered that there were late open accounts listed on my credit report that inaccurately reflected my financial history. These accounts have been incorrectly reported, causing a negative impact on my credit score. 

Subsequently, I initiated disputes with your organization regarding the late open accounts by following the dispute resolution process outlined on your website. I submitted supporting documentation and requested that these inaccuracies be corrected. However, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made several follow-up attempts to dispute and correct these late open accounts. I provided additional evidence and communicated with your customer support, hoping to rectify this situation. 
In addition to the late open accounts, I have also encountered issues with a late closed account listed on my credit report. This account should have been reported as " closed on time, '' but it has inaccurately been marked as " late closed, '' which is affecting my creditworthiness. 
Despite my continuous efforts to correct these inaccuracies and provide evidence to support my claims, I have not received a satisfactory resolution from your organization. The late open accounts and the late closed account are adversely affecting my creditworthiness and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, including the removal of the late closed account and the rectification of the late open accounts to accurately reflect my financial history. I also request written confirmation once these corrections have been made. 

Failure to address this matter promptly undermines the integrity of my credit history and financial stability. It is crucial that you take this matter seriously and resolve it as soon as possible. I am asking for your help to correct or remove the following accounts : XXXX XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX Balance Owed : {$130.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account.
Product: Debt collection

I agreed to settle the account PAID IN FULL by XX/XX/XXXX for {$5500.00} cashiers check was mailed XX/XX/XXXX and received and cashed by plaintiff 's attorney as part of a stipulated agreement. 
The attorney has acknowledged this agreement and filed a Stipulated Order if Dismissal from the court Case # XXXX with prejudice XX/XX/XXXX. 

I received a collection notice from Discover XX/XX/XXXX for the remaining balance despite ignoring the stipulated agreement.
Product: Money transfer, virtual currency, or money service

{$9.00} I had open up a virtual account to invest in crypto currency with Kraken website kraken.com. I open an account with a a modest transfer ( as test ) of {$10.00} to purchase a crypto currency symbol USDC. Did a transfer on XX/XX/2022, kraken took a modest transfer fee of XXXX cents. Had total credited amount of {$9.00} which I used to buy the USDC crypto currency. Received email XX/XX/XXXX advising me, they were closing my account due to security reasons, that they could not disclose and I had 3 days to transfer my account funds. I contacted there customer service desk. Spoke with a nice fella named XXXX, and explained to him about receiving the email, he said he could not speak on the matter, but he would escalate the matter. Well I called and emailed the original source sender of the email, kept getting the same stonewall message I need to transfer my funds from kraken to another account from kraken, for security reasons, that they could not discuss. I did transfer my money I least I thought I did to XXXX. But they seem to have never received it. My kraken account has been closed and my money is no where to be found. I took screen shots of my account showing the funds in the account. So I do have documentation. In addition to do the involuntary forced they took a fee of {$3.00} for transferring, which is quite absorbent. I look online if this has happened to others, it has. This highly unusual and bizarre coming from a company that seems to backed by very large institutions. I did research. XXXX going with them as being the most trustworthy based on the players backing this company. It seems my trust was mislayed. I like my money back. 

Sincerely XXXX XXXX XXXX. : : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX XXXX.