23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called company to obtain information on account and to inform that account was not mine and is a result of identity theft, Operator could not locate account or give information on why written notice was not sent before collection was placed on report. Instructed to contact police, Contacted police who instructed to call Credit bureau, Credit bureau instructed to contact FTC, FTC redirected to CFPB. This is the second time that I have complained to credit bureau about this company. Credit bureau could not give information on how this debt was validated before being added to report, Aargon Company refused to provide contract to verify fraudulent account. This fraudulent collection that has been added to my credit report has severely damaged my credit rating dropping it from excellent to fair, this in return has caused me a hardship and denials for credit. Please assist with this matter. 

Thank you for your time and assistance XXXX XXXX
Product: Debt collection

After carefully going through my credit report, I found several unauthorized accounts that appear to have been added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

LetsstartthiscomplaintoffbysayingthatnotonlydoesExperianblatantlyavoidresolvingfraudulentissues,Theircompanyreallydoesnotcareaboutconsumers.IfyouarevictimofIdentityTheft,Theydonotworkwithyoutoresolvetheissue.FirstthingIwanttoaddressthereisanaccountonmyCreditReportforaXXXXXXXXXXXXXXXXXXXX,foraLineofCredit.Thisaccountisfraudulent,thisaccountwasnotopeneduntilmyidentitywasstolen.Ihavealreadyaddressedthiswiththecreditor.Idonothavemembershiptothiscreditunion,(Whichisrequiredtoobtainproductspertheirwebsite)andIhavenotsignedanything.Idonothaveanydisclosures.Didnotreceiveanyoftheirproductsandhavenoteverreceivedanycardsordocumentationfromthisinstituion.Thisaccountisfraudulent.ExperianknewthisandplacedthisaccountonmyExperianCreditReport.TheirFraudspecializedservicesdepartmentadvisedmetheydonotcareanddonotwishtoassistinblockingthisfraudulentinformation.SecondlyExperianrespondedtomylastcomplaintstatingthat"Theyremovedtheblockduetomaterial"misrepersentation''Nowtomethissoundslikeanaccusatorystatement.Experiandidnotprovideproofofsaidinformationtheysupposedlyusetoresolvethis.ThisAccounttrulyisfraud.Ididnotopenthisaccount.NordidIeverreceiveanydocumentationfromthisaccountHencewhyIdonotknowtheaccountnumber.Thisisaccountisdefinitelyfraud.Itwasopenedaftermyidentitywasstolen,andIdidnotifyExperianofthisinformation.ThisaccountisclearlyaddressedonmyLawEnforcementDocumentation,WhichExperianrefusestoacknowledge.Theyareclearlyavoidingallconsumerrightsputintoplacetoassistvictimsofidentitytheft.IamavictimofIdentityTheft.Thisaccountisn'tonanyofmyothercreditbureaureportsbecauseitisindeedFRAUD.IamrequestingthisaccounttobeblockedaspermyconsumerrightssinceIamclearlyidentifyingthefraud,andnotifyingthecreditbureaupromptly.InadditionIamattachingmylawenforcementdocumentationbelow.IhavenotdoneanybusinesswithaXXXXXXXXXXXXXXXXXXXX.IhavefiledthiswiththePoliceDepartmentandtheyhaveacopyofmyLAWENFORCEMENTAFFIDAVIT.WhichIamattachingonceagain.ThisisclearlysomethingExperianischoosingtoavoid.Thisaccountisfraudulent.PleaseblockthisfraudulentinformationfrommycreditbureaureportthatisduetoIdentityTheftwhensomeoneusedmyinformationfraudulentlytoopenthisfraudulentaccount.
Product: Checking or savings account

I have deposited a check from the same company weekly for years. Never had a check bounce. All of a sudden starting on XX/XX/XXXX, Bank of America has been placing ridiculous holds on the funds. Both times, they caused employee payroll checks to bounce. 

The first hold was in one account, for a check in the amount of {$10000.00} deposited on XX/XX/XXXX. They held about half until XXXX XX/XX/XXXX and released the remainder at XXXX on XX/XX/XXXX. 

Deposited a check in the amount of {$7600.00} on XX/XX/XXXX into a different account and they placed a hold releasing {$5300.00} at XXXX on XX/XX/XXXX and the remainder {$2000.00} at XXXX XXXX  on XX/XX/XXXX. I received an email indicating that the funds would be available at XXXX XX/XX/XXXX. When I checked the account and see that they are now holding the entire check until XXXX on XX/XX/XXXX. 

I chatted with Bank of America on XX/XX/XXXX as soon as I saw they were placing a hold. I was given a phone number to call the next morning to request the hold to be removed. The representative said " I will advise due to recent changes in the financial climate, it is no longer our policy to release holds except in very specific circumstances ''. 

I called at XXXX on XX/XX/XXXX and spoke to 3 different people. Escalated twice speaking to a supervisor and then a manager. Nobody was willing to help, kept citing their policy that they no longer release funds and indicated that they " could not verify the funds '' the check was drawn on. 

I also spoke to a representative via XXXX and yet again, absolutely no resolution other than indicating what the policy is and that checks have the risk of being held. 

The funds have already cleared the other bank account and Bank of America is holding our money XXXX with no justifiable cause.
Product: Mortgage

Hello, My name is XXXX XXXX. 

Currently, I am one payment behind with my mortgage with Gregory Funding. 

My mortgage company keep adding very high late fees. As a result I owe over {$1500.00} in late fees. I was wondering if you could help me get the late fees removed. And, have the 1 payment moved to the back of my loan. 

I have a FHA loan and I continued to pay my mortgage during the pandemic. I was never offered the opportunity to have this 1 payment moved to the back of my loam. 

I feel Gregory funding is a predatory loan company. 

Also, I have a surplus on my Escrow and I am not allowed to receive these funds. 

Thank you for your help regarding this matter. 

Have a wonderful day. 
XXXX XXXX
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Citibank for a Cash Bonus promotion issue. Both my wife and I opened Citibank accounts in XX/XX/2023, depositing {$75000.00} each, as per the promotion 's terms. However, we have not received the promised Cash Bonus of {$1000.00} each account on XX/XX/XXXX, despite multiple unsuccessful attempts to resolve this with Citibank 's customer service. 

Citibank representatives claim there's no record of the promotion on our accounts, even though we followed all necessary steps during setup. This situation has left us frustrated, feeling misled, and questioning Citibank 's integrity. 

We request a CFPB investigation to secure the Cash Bonus and fair compensation for our inconvenience, financial loss, and time spent on this matter. 

Thank you for your prompt attention to our concerns. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase of XXXX XXXX has frozen my available cash. I can not withdraw available cash to deposit in my bank account. They are holding my money against my will. It has been over 10 days and I have received emails from showing my funds are available but they have them locked.
Product: Mortgage

On XX/XX/2019, I applied online for a mortgage loan. During the online chat session I was told that based on a government collection that was on my credit report, I would not be eligible for mortgage financing. 

A few days later, I received via postal mail, a letter about my credit report being pulled and information on understanding my score. It also references getting a free annual copy of my credit report from XXXX from each of the nationwide consumer reporting agencies. 

My complaint is since I was denied mortgage financing, I am entitled to a free copy of my credit report from the agency that the company used to pull my credit report ( XXXX  ), according to FCRA, based on being denied credit. But the letter does not provide that information which is required by law nor does it state that I have been denied. 

As of yet, I still have not received a letter stating my application status
Product: Debt collection

On XX/XX/2019, I mailed a cease and desist communication certified letter to XXXX XXXX XXXX   Project Loan Department. On XX/XX/2019, the document was delivered to their office at XXXX XXXX. On XX/XX/2019, and XX/XX/2019, their company violated the Fair Debt Collections Practicing Act by calling me. I have attached a copy of their incoming calls, cease and desist letter, and other pertinent documents to this complaint.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Failure to Process Opt-Out Request under the Privacy Act of 1974 I am writing to file a formal complaint against Transunion, XXXX, and XXXX for their apparent failure to process my recent request to opt-out of credit reporting, in accordance with the provisions of the Privacy Act of 1974. On XX/XX/XXXX, I sent a letter to Transunion, XXXX, and XXXX requesting to opt-out of having my personal information and credit-related data reported to third-party credit reporting agencies. I took this step in an effort to protect my privacy and exercise my rights under the Privacy Act of 1974, which grants individuals the authority to control the disclosure of their personal information. 
However, despite the stipulated timeframe within which credit reporting agencies are required to process such requests, I have not received any confirmation or acknowledgment of my opt-out request from Transunion, XXXX, and XXXX This lack of response raises serious concerns about their compliance with the Privacy Act and their commitment to protecting consumer rights. I have attached a copy of the original opt-out request letter, as well as proof of delivery, to this complaint for your reference. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Transunion, XXXX, and XXXX XXXX ] adheres to the guidelines outlined in the Privacy Act of 1974.
Product: Debt collection

Although I have submitted to the collection agency documents that prove I have paid this debt, they continue to send documentation concerning debt that I do not owe. I also was informed by my current landlord that I should not have included them as beneficiaries on my apartment insurance. The fees they are trying to collect are fees to their insurance company.
Product: Debt collection

I was contacted by the XXXX XXXX XXXX concerning an unpaid traffic ticket. The left a message on my cell phone ( which I saved ) saying to contact them concerning a legal issue. This is in violation of the TCPA and the FDCPA. I contacted the city where the ticket was issued and they were shocked and recommended I file a complaint with you.
Product: Debt collection

I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Collection account from AMERICOLLECT with account # XXXX and a balance of {$180.00}. The original creditor is XXXX XXXX XXXX.
Product: Debt collection

I called this company I explained to them that the lending club loan that I had was supposed to be vacated because I am on Social Security XXXX and needs-based aid all other companies that I had had to file this with because I have become unemployable for quite a long time had taken the steps to dissolve the debt and to write it off this company purchased this debt from the lending club loan company and is trying to illegally collected from a Social Security recipient Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the Lending Club has taken the steps to do this and they were sent to the proper documentation showing that I am a needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they are Once you have been provided the proper documentation you were supposed to file as far as I understand to have the debt absorbed and you send the proper tax documentation so that I am able to file it on my taxes every other company other than the lending club has taken the steps to do this and they were sent the proper documentation showing that I am on needs-based aid right now and that that has not changed I feel I am being taken advantage of by a company who is using scare tactics and I believe that they should be put out into the world so that people know these practices are not legal and that they arePracticing actions that are considered against the law
Product: Mortgage

I sent in a XXXX request to have my PMI removed at the end of XXXX to JP Morgan Chase. I called to make a payment for this request over the phone on XX/XX/22 and was told this payment was linked to my request. I called again on XX/XX/22 since I had not received a call from an appraiser and was told my request had not been put in. I was then told that my request would be escalated and was given a confirmation #. I received a letter from Chase on XX/XX/22 stating my request had been received and if I did not receive call in 7 days to call Chase. I did not receive a call in 7 days and called again on XX/XX/22 and was told my request was never escalated despite my confirmation #. I was told it would again be escalated and that the agent would contact me in 2 business days by XX/XX/22 after reaching out to the processor on the case. I have still not received a call from an appraiser or the agent on the case and she would not provide me with any contact information for the processor of the case or anyone else involved in the case such as the vendor for the appraisal or the company who handles the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses where I don't live anymore are still being reported on my credit : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I would like these removed. 

My brother : XXXX XXXX is being reported on my personal credit report. Please remove him. 

My brother 's credit card he opened is being reported on my report, as well as hard inquiries. Please remove this account creditor : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date reported : XX/XX/2019
Product: Credit card

I sent a fax to First Progress Back Office as requested by their customer service Representive at XXXX requesting them to send me my refundable security deposit. I wrote a letter on fax stating I havent received my {$200.00} refundable security deposit I made to obtain a credit card with First Progress. The fax was sent in early XXXX, called them today regarding the matter. Customer service is saying they dont see any updates under my account about receiving a fax. I have a copy of the fax saying it was completed @ XXXX. Fax machines dont lie about completed faxed materials. Its been XXXX since I stopped using the card without any balances being owed during closing of the account. They havent sent it to me by mail or bothered to contact me regarding my security deposit.
Product: Student loan

In XX/XX/XXXX Navient began misapplying my overpayments. I began receiving notices that my account was past due. When I logged on to the website I showed a {$0.00} balance. I called the company inXX/XX/XXXX they told me they needed to contact another department but the problem would be resolved. In XX/XX/XXXX I made another overpayment. TheXX/XX/XXXX balance due for several accounts was {$0.00}. I made a payment for XX/XX/XXXX, including a payment on the {$0.00} accounts to avoid past due notices. In XX/XX/XXXX the website again showed {$0.00} balance. I made a payment, including a large overpayment. A few days later I checked my balances online and saw three or four of the loans were past due. On XX/XX/XXXX I sent an email to Navient. I called on XX/XX/XXXX a representative " reset '' the due date counter. This eliminated the past due balance. I was told if I want to make an overpayment I need to make two separate payments. This is annoying, but fine, I will do this. However, my most recent statement, received onXX/XX/XXXXnow shows a due date of XX/XX/XXXX My loan due date was advanced one month when the representative on XX/XX/XXXX reset the counters.

I have called and emailed to resolve these problems. I am accruing extra interest because Navient can not properly apply my payments. This is frustrating and I want my account corrected. I would like to be able to make overpayments so I can try to pay more on my loans but Navient is making it nearly impossible. If they have it their way I will be paying these loans until I die.
Product: Debt collection

I was checking my credit report and saw a debt. I reached out to the agency IC Systems INC, the company listed on the report. They could not give any information. I reached out to XXXXXXXX XXXX XXXX  today XXXX they explained to me that I do not owe them any money from XX/XX/ in the amount of {$56.00}.
Product: Debt collection

CFPB # XXXX Medical Bill {$710.00} XXXX XXXX Client Service stated in the complaint, a deletion update will be sent the three major credit reporting agencies for the account that is listed in this complaint. SSN last 4 digits XXXX. Account number. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

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Product: Debt collection

I used to have a credit card with my ex husband with XXXX and the credit card was assigned to him in the divorce. I have given American Coradius international proof of the court order and the fact that my name was removed from the XXXX account but they continue calling me. 
Specifically, XXXX XXXX ( might not have given me his real name ) lied about the fact that he had not received the court order or that my name was not on the account anymore. 
The tactics used by this company and Mr. XXXX are illegal.
Product: Mortgage

Improper Charges for Secret Home Equity Line of Credit I have maintained a mortgage on my home with Wells Fargo since XXXX. It has been refinanced through them several times. There was either confusion, or a difference of opinion, with respect to several aspects of a home equity line of credit associated with the account. In XXXX I refinanced at the request of Wells Fargo ( interest rates had dropped and they desired to preemptively pursue a refinance to maintain my account ). Wells Fargo claims I was advised telephonically of the existence of a home equity line of credit against the mortgage at the time of refinance ( specifically on XX/XX/XXXX ), and they say they have notes indicating I was so advised but can not share those notes with me. I say I was never advised of the existence of a home equity line of credit when I refinanced. The notes which they claim can not be shared with me can be shared with CFPB. It will surprise no one who has been reading the news to learn Wells Fargo subsequently billed my bank account, electronically and without my knowledge or consent. Wells Fargo owes me a full refund of the charges made against my bank account. If CFPB reviews these alleged notes and verifies that Wells Fargo has at a minimum properly documented they gave full advice and obtained full consent at the time, contradicting my recollection, I will fully and finally accept CFPBs finding and determination. If Wells Fargo doesnt have these notes, not only do they owe me a refund, but another review by regulatory agencies is in order.
Product: Debt collection

I've attached the FTC Identity Theft report referencing the XXXXXXXX XXXX XXXX fraudulent FHA real estate loan that XXXXXXXX XXXX XXXX XXXX is threatening to foreclose. 

XXXX and Bank of America conspired to reinstate or create a new FHA loan using my personal information without my consent or knowledge. I have vehemently disputed this fraudulent loan and it was removed from my credit reports in XX/XX/2017.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX DEPT OF ED/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 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 XXXX XXXX XXXX  DEPT OF ED/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