23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am submitting my complain today and I know that you have enough time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for your help to correct these following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns Equifax. For some bizarre reason, I appear to be blocked out of my Equifax online account? I keep getting told that my username and/or password does not match what they have on file. This is absolutely IMPOSSIBLE. I am entering all my log in information ACCURATELY. Upon googling this issue, I found out that other people have experienced the EXACT SAME problem. Equifax is doing something, and I want to know what it is and why they are doing it. I asked a relative of mine to log in to their account. They are being told something else : something along the lines of " at this point we can not service this account ''. In other words, they too are NOT allowed to log in to their account. Since I am prevented from using my Equifax account, I can not : a ) freeze/unfreeze my credit file and b ) dispute items on my credit file. This is ridiculous! My Equifax account is associated with email address : XXXX.
Product: Credit card or prepaid card

Hello I had a prepaid card XXXX NetSpend prepaid card in XXXX till XXXX my card was stolen by my X boyfriend he stolen used it stolen my money out of the account. I made police report and send it contacted there team manager. I gave them the police report Numbers CAD. What's was stolen out my account well I never gotten my money back put into the account. I just order on a commercial on T.V and Brink Card and they mailed to me didn't know it's with NetSpend false advertising what's they done to me had an checking account. I do have it and I called the back of the card. That man from another country and all taped recorded when I gave him my name and social information mailing address I just got it in XX/XX/XXXX. He told me you can't used this card your at Risk I said what I ain't ever had no Brink Card and didn't know this with NETSPEND CORPORATE. I am a victim that my money was stolen out my account and even used a credit with that XXXX  Prepaid card I still have never gotten my money back that was my Government Income and I reported that to the Social Security Administration Office and they said the bank still owes me back my money he stolen that's a Financial Crime was done to me that man stolen my whole purse ID Card, Social Card and Birth Certificate Money I had in my purse and the police still ain't arrested that man and the woman I found out who fake there was me getting stealing my money out that account couple years ago no respond back at all. I do have the police reports to. He used my debit card to get his cell phone on and more to.
Product: Checking or savings account

I opened a savings account with BBT in XX/XX/2018.

I deposited a check in this savings account which was placed a hold until it cleared. The check was returned due to the account being closed and this was done in error. There was no ill intent in which I am being accused of. Needless to say there was no money ever received and any returned fees were all paid in full.

In the process of all this, I was having XXXX from my XXXX access savings account transferred into my BBT account. BBT decided to close my account due to this returned check issue which is their choice, however BBT has failed to return my deposited funds to me. I was told in order for me to receive my funds back I would need to visit a branch. I went to a BBT branch on a weekend day and was advised I needed to see the branch manager in which they were not there or available.

My profession requires me to travel and I am gone from for long periods of time. 
Furthermore, I didnt visit a branch to open this savings account, I didnt visit a branch to make my deposits and I never received a signature card from BBT to sign off on this account. BBT decided to close my account and they should not be allowed to withhold my funds for over 1 year!!! How can you close an account and keep the funds??? There is nothing on the terms and conditions that says they have the right to do this!

I need to know where in the terms and conditions does it say they have the right to do this!!

How long can they legally hold these funds?

What legal rights allows them to do this?

Where in the terms and conditions does it clearly state they can do this?

How can you close an account but keep the funds on a closed account, however when I called CS Dept., I am being told the account is on hold. Is the account closed or on hold??
Product: Checking or savings account

In XX/XX/2023, my bank allowed a fraudulent wire transaction to take place without my approval or authorization in the sum of, {$190000.00}. It was determined in XX/XX/2023, after an internal investigation, that the money wold be recalled ( returned ) to our bank account. We found this out after filing a previous complaint with you all, the Consumer Financial Protection Bureau. 
To date, the money has not been returned and, we have been trying to speak with an executive at Chase Bank to ask that, in good faith, at least half of the monies be returned to our bank account as we have employees on payroll and rents to pay. This situation has put our organization in a very delicate financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts does not belong to me and I'm respectfully requesting that these unauthorized accounts be removed. I've requested a Method of Verification for this investigation, I've requested physical documentation all to no prevail. The credit bureaus can not relay on electronic verification, nor shall they ignore a consumer inwhom identity has been compromised. And before these credit reporting agencies report accounts to a file they must be thoroughly and physical verified. I'm asking that these accounts be blocked and removed immediately. 

1 ) XXXX  XXXX {$470.00} 2 ) XXXX/ XXXX 3 ) XXXX XXXX {$610.00} 4 ) XXXX XXXX {$10000.00} 5 ) Dept of ED/XXXX {$4500.00} 6 ) Dept of ED/XXXX {$3500.00} 7 ) Dept of ED/XXXX  {$2200.00} 8 ) Dept of ED/XXXX {$2100.00} 9 ) Dept of ED/XXXX {$2000.00} 10 ) Dept of ED/XXXX {$1800.00} 11 ) Dept of ED/XXXX  {$1700.00} 12 ) Dept of ED/XXXX {$1300.00} 13 ) Dept of ED/XXXX  {$1000.00} 14 ) Dept of ED/XXXX {$1000.00}
Product: Credit reporting

Hello, I have a judgment appearing in the public records section of my credit report on TransUnion and XXXX. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my TransUnion and XXXX credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and TransUnion for reflecting the wrong date. This judgment was filed against me in XX/XX/XXXX, so it should be up for removal in XX/XX/XXXX. I 've included a screenshot of what appears on my credit with all XXXX major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.
Product: Mortgage

My mortgage was recently transferred from XXXX to Mr Cooper and my escrow payment was increased by Mr Cooper. My payments were set up on autopay through my bank ( XXXX ). When I increased the auto payment to include the new escrow amount, XXXX accidentally sent double payments to Mr Cooper ( {$1200.00} XXXX XXXX on XX/XX/2024 ). Mr. Cooper has an automated system that does not allow human contact. I am placed in an endless loop of AI that simply provides " canned '' responses. As such, Mr Cooper refuses to return my double payment, or even speak to me about how it is applied. My girlfriend and I have over 14 mortgages on real estate and Mr Cooper constantly provides the worst customer service of all. {$1200.00} is a lot of money and I feel that Mr Cooper has an unwritten policy to wrongfully retain such funds in order to increase their earnings by way if interest earned. I need my money back. As a side note, XXXX has closed their file and will no longer support me and XXXX 's position is that Mr Cooper received the funds and must return them. Thanks
Product: Money transfer, virtual currency, or money service

My phone was used without my knowledge to send money to someone that I do not know through the XXXX   application. When I was made aware of this I contacted XXXX and informed them that this was fraud. I was told they would freeze my XXXX  account and that I should contact my banking institution because it is directly linked to that application. I called XXXX XXXX XXXX  and made them aware that this was fraud and they reverted the processing payments to make sure that I would not be charged. After having done that I assumed that XXXX   would do their due diligence considering the person who committed the wire fraud obviously has an account with them. To my surprise days later I received an email from XXXX that while my banking institution failed to fund the payment they covered it and I now owed them. It isn't like this was a small amount of money. It was 2 separate transactions totaling {$2900.00}. I did more research and they have a maximum limit that can be sent in a weeks time of {$2900.00}, so obviously this person knew this and sent just under the maximum amount allowable. On average I have about {$100.00} dollars in my checking account after I pay all of my bills and this is an amount that would destroy me financially. I've haXXXX XXXX for years and have never sent close to that amount of money to anyone. I've never disputed or reached out to XXXX   concerning a transfer that I did not authorize. Why would XXXX put me in debt with them for something that I made them aware of? Wire fraud is a felony and it is seemingly something that they do not take seriously.
Product: Consumer Loan

I have an auto loan with ally auto. my XXXX 2015 loan payment was processed as a principal only payment, they then sent me a late notice and a notice of intent to report negative information to credit bureaus. they also deducted a finance charge of {$79.00} from the payment, as they do for my regular monthly payments. while trying to rectify the situation they stated that the whole of the XX/XX/XXXX payment was applied to my unpaid balance and that they were going to adjust the balance and take a finance charge. I pointed out to them that I was looking at my payment history and that a finance charge was already deducted from the payment. so far I have not got a fair resolution to this problem. lastly they applied a {$13.00} late fee to my account.
Product: Payday loan, title loan, or personal loan

I loan from Checksmart XXXX times. I signed up for a payment plan and was working on paying off my loan. I paid my XXXX  payment on XX/XX/2022 I called on my next payment date because I was scheduled to work at both of my jobs and couldnt make it in. Asked what I could do before the payment plan my payments were set up on XXXX  They told me they will just cash my check and once it clears I could come in for my refund. I waited for my check to clear it did. I went in to get my refund and they said I could reload but he couldnt give me my {$180.00} in cash that it would be electronically refunded in XXXXXXXX XXXX. Today is the XXXXXXXX XXXX and I havent been refunded. If they see everything cleared why would I need to reload to have cash instead of just giving me my money back. Its like they want me to have to keep loaning. If I was eligible to reload then there is no reason I couldnt be given my money.
Product: Mortgage

1.0 SUMMARY TD Bank Mortage is blocking me from taking in my monthly payment. 

I recently closed on a new mortgage loan with TD Bank. Last XXXX weeks, I have been trying to set up monthly recurring/automated payment withdrawal from my checking account at XXXX XXXX. The payment is due on the XXXX of every month. The first payment on this new loan is due XX/XX/XXXX, which is coming up. For last several weeks, TD Bank 's online site services and its mortage support staff are blocking me from taking in the payment. TD Bank 's system is failing to locate my account, their payment gateway is down and their personnel on phone are not resolving the matter. More is below and screen shots are attached. 

2. 0 DETAILS & STEPS I HAVE ATTEMPTED WITH COMPNAY TD Bank Mortgage pointed me to their online mortgage payment service. Below is the chronology, with actions, and names of people I have spoken to : 2.1 CHRONOLOGY ( all current year 2022 ) : XXXX XXXX : Several self-service attempts made individually by me to make payment via TD Bank sites and features. I have all my correct credentialing and loan identification information XXXX XXXX : Called TD Bank Loan Services department - Spoke to XXXX. He provided his title as XXXX XXXX. Refused to give last name or rep id. 
- Was asked by TD Bank on phone to and succcessfully created a login account on TD Bank online. 
- XXXX emailed me a form to fill, sign and fax back to set up withdrawal ( see Form 1 attached ). 
- The form asks me to basically sign like a blank check authorization. Does not specific dollar amount authrorized to withdraw. Does not specific what date to withdraw. Etc. 
- Support was unproductive and did not resolve the matter. 

XXXX  XXXX : Asked to escalate and spoke : - Heard back from XXXX XXXX, XXXX XXXX. Refused to provide email address. 
- XXXX sent me yet another form to fill and sign ( see attachment Form 2 ) - Stepped me through their web site, asked me enter loan, ssn, etc. We verified all the information correctness over phone. Site gave error that it could not find loan and payment gateway was broken ( see attachment ). 
- There are thee account holders on the mortgage : me, my wife who is primary, and our son. 
- XXXX asked me try using primary for my wife : that gave same error on TD Bank site. 
XXXX XXXX - XXXX to XXXX XXXX XXXX XXXX 's manager called XXXX XXXX late Fri afternoon without notice and left a voice message for me. 
- XXXX 's message of XXXX Fri basically informed me that I have XXXX hours runway to call him back, expect to find him late on Fri, and that he was headed to vacation all of subsequent week, week of XXXX XXXX. He left me no alternative contact during his absence. 
- Knowing he's out, I called on XXXX XXXX and ended up phone taggine. I left messaging asking him today asking to make an appointment before calling me so we don't phone tag unproductively- which is after 3 weeks of harassment. I have not heard back from him at all, of his own initative, or to message I left his direct phone XXXX. He has not provided emil alternative ( Internet or secure TD login email ). 

See attachments. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address Fraud on their platform, leaving the account vulnerable and unprotected. Furthermore, their dispute-resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. It states I have the right to privacy, 15 USC 1681 section 604 A section XXXX also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Product: Mortgage

This is a follow up complain on an continuing problem ; prior complain into is .... 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX I again just received more questionable paperwork from RealTime Resolutions ; they just keep coming up with them but when my Attorney contacted them back in XXXX they didn't respond at all with any paperwork! But, again, as I will swear to again, I have never seen this paperwork nor signed any such authorization. This was a HELOC attached on back of a XXXX XXXX  from XXXX and we all know what happened to them and the mess that created!?! These HELOC 's were stated to have been Illegal and Preditory by the State Department but mine was hidden from the portfolios that XXXX XXXX XXXX provided to the State Department in that it was assigned to ReatTime Resolutions, a Collection Agent for XXXX and so I did not get a required letter from XXXX forgiving mine but it was just like all the other of XXXX and one that I never saw the Loan Documents for and therefore was never provided my Legal Rights of Refusal ; the document in the attachment to this report is dated XX/XX/XXXX and I never saw the first page of these loans until XXXX of XXXX ; as documented in my attached letter to XXXX dated XX/XX/XXXX!
Product: Payday loan, title loan, or personal loan

I bought a pickup from a person in Kansas. He had a loan on it, so i gave him the money on XX/XX/2018. The check was cashed on that day. He gave me a XXXX XXXX XXXX. 
I have called him three times since and he said he called Wells Fargo and they would not give him any answers. He gave me his account no. and i called and I got the same answer. 
Why can't they tell me if they have the title or what? Am i getting ripped off? 
The county that i am from will give me a fine if it is not in by 30 days. Who is going to pay the fine?
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit file regarding XXXX, XXXX XXXX, XXXX, XXXX bank even though the accounts were settled, charged off ( considered income ), info for debt that was paid by insurance and selling the vehicle for more than actual debt ( minus interest on closed account ). They even have debt that was garnished and paid in full. So fraud is being committed by trying to collect on dead debt. I am XXXX and can't get a loan to fix my house up because these inaccuracies affect my score immensely. Furthermore, I had myXX/XX/XXXX bankruptcy voluntarily dismissed because these inaccuracies and I can no longer work. And it seemed fruitless since my credit report continually was inaccurate. I have tried several times to dispute inaccuracies to no avail. Their dispute investigations are fruitless and not completed thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit card

The American Express website shows a balance figure called the " Current Balance '' in a larger font than some other sub-balances. However, this figure is actually the Statement Balance, not the current Outstanding Balance. So if you pay only the " Current Balance '' you actually a leave a balance on the card and thus must pay a financing fee. This is needlessly confusing and seems to be an attempt to bilk customers out of financing fees.