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

My wife and child were vacationing in XXXX XXXX, XX/XX/year> on day of departure she left the hotel by prepaid taxi ( all services Flights, hotel, taxi, and excursions were paid for through XXXX XXXX. ). She left the hotel at approximately XXXX pick up to the airport. Dropped off at XXXX XXXX counters. Used her debit card to pay for the baggage fee and went through customs to wait for the flight. Purchase bottle of water and a snack. 
Flight XXXX Boarded the Flight from XXXX to XXXX departing XXXX Arrived XXXX to XXXX. 
On Arrival at XXXX 's she turns her phone back on to find an email from Regions Bank questioning a charge and asked to verify if it was hers, she replayed no and calls the Regions Bank customer service to be told there was a charge of {$560.00} processed a few seconds before but they had stopped the payment on the other charge that had tried to be processed. She was told that she would have to go to her local branch and dispute the charge once it is processed through as they could not stop a pending charge. ( XX/XX/XXXX Saturday 2024 ) Monday ( XX/XX/XXXX ) She went in our Regions Bank Branch in XXXX XXXX XXXX sat down with the Branch Manager. The Branch Manager Started the claim report on all charged placed in our account as of XX/XX/XXXX except the charge my wife recognized. including the {$560.00}. She handed over her old debit card and a new one was ordered. 
The following week we received a letter stating that regions bank all charges applicable as the card was present at processing. HOW there where NO purchases or authorization from the time She left the hotel at XXXX except baggage fee and a water and snack at the airport. She sat on the aircraft with her debit card in her purse with her the whole time and was alerted of a Freud attempt which she said " NO '' to. The Bank only stopped the second attempt to charge over {$550.00} XXXX XXXX. CLIP XXXX process second-minutes behind the other ( email time stamp XXXXXXXX XXXX ( while she was at XXXX plus feet in the aircraft ) ). I have file for fraud on this charge now XXXX time and received a call from the Regions Bank, XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX from Regions Bank I was told that they and their fraud department senior manager find the charge to be real as the card was present at time of processing. I asked for all the transaction details, who made it, for what but was told that the information in the transaction code is all they have.. Which Is an out-right lie and the branch manager told me it was for travel/tourist agency ref in the charge and the location where it was processed, she started to spell XXXX... which by the way is not close to XXXX ... this whole thing is fraud and the bank refuse to protect its customers. Regions Bank refuse to return the fund that they did not catch the fraud in process they stopped one the saw as fraud but missed the first. They Regions Bank is not and has Not protect me the customer or the deposits I have held in their Bank. I will be filling with FDIC Consumer Protection and do what I can to make this right.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that is currently appearing on my credit report. I believe that my personal information has been compromised and used to open an unauthorized credit card. 
The account in question is : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/year> I have never authorized or applied for a credit card with XXXX. This account is not mine, and I am a victim of identity theft. 
I contacted XXXX directly and reported the fraudulent activity. They have closed the account. 
Despite XXXX closing the account, it continues to appear on my credit reports, negatively impacting my credit score. 
I am requesting that you : Conduct a thorough investigation into this matter. 
Immediately remove the XXXX account from my credit report as it is a result of fraudulent activity.Ensure that my credit report reflects my true credit status, which is on-time payments, and no negative fraudulent accounts. 
I expect a prompt resolution to this matter. 
Thank you for your immediate attention to this serious issue.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : 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 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 I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for her terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX has yet to refund me for the debt that I have paid me. XXXX XXXX from XXXX XXXX talks crazy and does not return any answers to the debt. I had an attorney by XXXX XXXX XXXX in which could not get documents for months and had the run around game by XXXX XXXX. I have text messages from my attorney stating the issues with XXXX XXXX XXXX XXXX. 
Now XXXX XXXX XXXX XXXX has hired or By XXXX XXXX XXXX to Qualey Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX In which nothing has been done and 2 US Registered Letters have gone out to XXXX XXXX XXXX in regards to the court documents XXXX copy that the money is paid. As to that XXXX XXXX did not give the correct credit as stated by XXXX XXXX XXXX XXXX shows as a credit. 
There has been since XX/XX/XXXX this bill has been paid it is now XX/XX/XXXX and I still show active on this Garnsihment and money is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, 2020 I sent a certified letter to XXXX, Experian, and XXXX  regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XXXX, 2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, Experian, XXXX  ( XXXX XXXX XXXX XXXX ), XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX  XXXX XXXX XXXX ) Thanking you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 

I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 

Your company 's mistake wrecked my credit and reputation. 

Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 

You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. This infringed my privacy, which is another offense. 


Before adding this to my report, you never offered me a chance to deny it. 

I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 

Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. Certified mail sent my first attempt. This attempt will be sent certified. 

I am invoking specified remedy as the original creditor and demanding the following : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX I will allow you ( 15 ) days to process these deletions, otherwise this will lead to much more damage.
Product: Mortgage

RoundPoint needs to stop closing out the complaint process without addressing the issues. 

HOW DID WE GET PUT ON THE LOAN MODIFICATION IN THE FIRST PLACE???????? 
WE DID NOT ASK FOR OR SIGN UP FOR A MODIFICATION!! 
IT WAS JUST DONE!!! 
NO EXPLANATION ABOUT IT AT ALL!!!!!! 

WHEN WE HAD TO THE FOLLOWING TIME IT WAS BECAUSE OF THE INPROPER HANDELING THE FIRST TIME. IT PUT US SO FAR BEHIND WE HAD TO SIGN UP AND WAS NEVER TOLD APPLICATION WAS INCOMPLETE BECAUSE OF ONE MISSING PAGE. SENT 8 TIMES AND KEPT BEING TOLD THAT IT WAS RECEIVED, BUT NOT THAT THERE WAS AN ISSUE. ( AGAINST CALIFORNIA LAW ) THE EMAILED VERSION THAT WAS SENT IN XX/XX/2020 VIA EMAIL WAS NOT READABLE AND A PICTURE WAS SENT SHOWING THE DOWNLOADABLE COPY.

MORTGAGE COMPANY requested that a hard copy be sent in the mail of the three options that were discussed with case manager that never appeared. Not emailed in any way as the down load was unreadable. Non were ever sent at anytime other then email in XX/XX/2020, but this was ignored. YOU IGNORED THE REQUEST OF THE MORTGAGE COMPANY TO SEND THE DOCUMENTS VIA USPS. 

DO NOT DOUBLE TALK AND TALK AROUND IT!!! 

HOW WERE WE FIRST PLACED ON A MODIFICATION, THAT WE DID NOT APPLY FOR?????????????????? 

ADDRESS THESE QUESTIONS ONLY
Product: Debt collection

Attempted to request payoff letter over the course of a week. Processing times extraordinary and nearly impossible to get ahold of anyone with authority to address request or explain why request hasnt been processed
Product: Debt collection

Theyve been calling nonstop but havent identified themselves to me nor have they sent a validation letter of the debt I owed.
Product: Checking or savings account

I have sent many complaints to the XXXX, Federal Reserve, and the CFPB. Today I received a call in an attempt to criminally intimidate me and coerce me into silence by the banks " security ''. This is because I used foul language and asserted my right of the first amendment to tell the criminal bank that because they stole my money they would be paying me back. These are the tactics of a rogue thug bank against freedom of speech. These are the tactics of a bank that knows they wronged me, knows they discriminated against me, knows they defrauded me to scare me... 

Please inform Bank OZK they just lost their privledge to contact me. I am a private citizen, they are not, they ignored my call as their customer. They ignored my complaints .... Now I shall do the same, if they continue to contact me, any of their agents, over the phone or email, for any reason, I will consider this criminal harassment... and frankly if this medium of complaint allowed it I would share my true and very vulgar opinion of these low lives. All further contact shall either be thru the medium of regulatory agencies or not at all. 

Here is a transcript of the message by a jackbooted thug, notice how it says there are " some issues '' with my exercising of free speech. Notice how he says he is security if I have done something wrong, then at the end the ask " I think i've got a resolution '' AKA silence, they think I will bend to their will. They are illegally attempting to intimidate and coerce me, absolutely nothing I said has " issues ''. 

If they have a problem I suggest they call law enforcement and relay my thoughts to them, I would love for them to escalate it to that level so I can sue the XXXX XXXXXXXX out of them. 

" Yeah this message is for XXXX my name is XXXX what all I'm with the bank OCK corporate security department and I saw her you found a couple complain system you got some issues with the bank and I'll talk to you about this for a minute and I think I've got a resolution for you I think we can we can get this resolved um so I really wish you would appreciate you reaching out to me at XXXX so I can talk to you for minute hopefully we get this thing resolved today so I look forward to hearing from you thank you '' I will reiterate what I said, here in the open, for all to see, I will metaphorically find a way to twist bank OZK 's greedy little fingers. THEY OWE ME MONEY. THEY WILL PAY ME WHAT THEY OWE! YOU OWE ME, YOU PAY ME. 

CALL ME AGAIN I FORWARD IT TO LAW ENFORCEMENT AND FIND SOMEONE TO PROSECUTE BANK OZK FOR THEIR REPEATED HARASSING, DISCRIMINATORY, AND ILLEGAL AND UNACCEPTABLE BEHAVOIR. 


Bank OZK will not contact me again or I will consider this criminal harassment, you have lost your right to take the easy way out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Bank of America filed an assignment of Deed of Trust on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXin XXXX County of Texas. The assignment was made to transfer the servicing right from Bank of America to XXXX XXXX XXXX for the property located at XXXX XXXX XXXX, XXXX, TX XXXX. 
However, below are the facts that came out to light which makes us questioning the legality of the assignment : 1. XXXX XXXX XXXX XXXX XXXX already opened a FHA mortgage loan back in XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXon my property for an amount of {$180000.00}. The loan was made with my identity information back then without my authorization by it as lender. 

2. XXXX XXXX XXXX XXXX XXXX concealed the loan for a period of 6 years without reporting me or anyone ( Including Credit Reporting Agency ) till XX/XX/XXXX. 

3. Bank of America never mailed me the notice of servicer change as was required under RESPA. 

4. The signature of the assignment of deed of trust is a forged signature of Ms XXXX XXXX when compared with her other signatures. 

Given under these facts, the assignment of deed of trust can mean any of the followings : 1. The assignment of deed of trust was executed by Bank of America to aid and abate XXXX XXXX XXXX XXXX XXXX in money laundering. 

2. Bank of America was bribed by XXXX XXXX XXXX XXXX XXXX to make such assignment of Deed of Trust. 

3. Bank of America assisted XXXX XXXX XXXX , XXXX in identity theft. 

4. The assignment of Deed of Trust is a forged document that has been filed in XXXX County and Bank of America has no knowledge of it. 

XXXX. Any other reason. 

I would expect that Bank of America would clarify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I called Experian 's automated phone line ( XXXX ) to put a FREE security freeze on my account. I went through all the steps and at the end of the call was told that my request was successful, I was given a Confirmation Number, and the automated message told me that within 10 business days I would receive a PIN number in the mail. ( I  am not providing the Confirmation Number here as you say not to provide personal information but am happy to give it to you if it helps resolve this problem. ) It is now XXXX XXXX and I have never received the PIN number. I have received no mail from Experian. I have tried calling the 888 number above, as well as XXXX, XXXX, and XXXX, to find out about the missing PIN number. All of these phone numbers are for automated lines and none of them ever allow me to talk to someone. None of them offer a choice that reflects my problem. If I click on security freeze it's about starting or ending one. I have tried multiple times and gotten nowhere. I have been unable to find an Experian phone number that actually allows me to talk to someone. I am disgusted with Experian. And both of my parents and several friends have reported the same problem ; no follow-up letter from Experian with a PIN number and no ability to reach the company to resolve this. Please help. ( Experian should learn from XXXX and XXXX, both of which have far superior systems to establish a free security freeze. They both worked without any problems. )
Product: Credit reporting, credit repair services, or other personal consumer reports

" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX, Account name : # 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 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: Debt collection

I was called multiple times by a company that would not identify themselves over the phone. They have the same script every time they call me.

The call starts out with " Am i speaking with so and so? '' I ask, " Who's Calling? '' They reply " We are trying to reach so and so about a personal business matter '' I ask again " Who are you and why are you trying to reach so and so '' they reply " We need you to verify your date of birth about a personal business matter '' I reply " I'm not giving out my personal information to someone who won't identify themselves. 
What is this call about? '' They reply " We can not tell you until you verify your date of birth '' Then I hang up. 

The calls went on like this several times over a period of a couple months. I finally looked them up and found out it was a company called Reports Inc. in XXXX TN. 
They have almost a dozen reviews of other people stating the same experience. 

I ignored them, because they have no right to my personal information if they refuse to say that they're calling about a medical debt. 

I was served a summons to court by a process server, regarding this debt. I called the debt collector to settle my medical debt and they added over {$180.00} to the original debt to cover their legal fees. When I told them I wasn't paying their self incurred legal fees, they said " we don't have an agreement then ''. 

I attached are screenshots of their XXXX reviews showing this is their way of operating and not an isolated incident.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft, and did not authorize opening the XXXX XXXX credit card. My credit report says I owe {$640.00}, but I did not authorize opening this account. I pay all my bills I owe on time and XXXX XXXX  keeps reporting me in a negative manner even though I am a victim of identity theft. I have been trying to dispute this directly with XXXX XXXX  but they keep dismissing my claim and disregarding my rights. 

I have filed a police report regarding this account which I have included in this complaint.