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

I attempted to Deposit a Cashier 's Check for {$59000.00XXXX XXXX Bank of America ( total deposit would have been {$110000.00} with two Cashier 's checks ). The manager said they had to place a hold on the Cashier Check - When I asked why he said they could not give me a reason until I agreed to deposit the Cashier 's Check. I Asked if he was aware of XXXX XXXX -- he said he was. I then said they have to give me a reason for the Hold, and he said he did not - the computer won't give a reason until I agree to make the deposit. In the same transaction I attempted to Deposit a check from one Bank of America account into another Bank of America Account. They refused to accept that item for Deposit at all. I asked them to place a hold on the item- they said they would not accept it at all for a deposit therefore they could not give me any notice. When I asked why they said the funds had not cleared yet. I again asked them for some letter or receipt, and they would not give me one. 

They did then accept a payment from that same account to my credit line for {$18000.00}. 

This is the second time I've had a bank refuse to accept a cashier check for deposit without giving me a hold notice ( the first time was XXXX XXXX ). I feel this is to intentionally evade XXXX XXXX and make biased decisions without any notice. I also don't understand why they place a hold on a Cashier 's Check. They scanned the check- it was from a known large bank ; my deposit relationship has average balances between XXXX. I've had no NSF 's. My relationship with this bank spans over 15 years- so its not a new account and has had no fraud activity. The check was new and had not been attempted as a previous deposit. 

It seems extremely odd with Check XXXX and the ability for large banks to ping other large banks that their system would " decision '' to hold a cashier 's check. Maybe the system is intended to place holds whenever possible instead of whenever needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Prosper XXXX XXXX All have charged off or written loan/credit card debt and I have not received a 1099c. I would like to report the charges offs on my taxes. Please have the creditors send me a 1099c.
Product: Checking or savings account

My mom received a text on XX/XX/XXXX asking if she made an authorize purchase from XXXX for {$1000.00} from XXXX XXXX XXXX from Chase. She responded no. The scammers sent myself, my brother, and my sister multiple transactions from my mom 's account. They called my mom and told her they were from XXXX and she needed to contact us immediately and send the money back. I returned a payment to my mom of {$2000.00}. They rerouted my mom 's XXXX 's account to theirs. I contacted Chase because they immediately suspended our accounts for 10 days. We then had to file a fraud claim charge on XX/XX/XXXX. They investigated and closed the claim and told us we needed to contact XXXX. I have yet to receive my {$2000.00} back XX/XX/2023 XXXX Payment from XXXX XXXX {$1.00} {$190.00} XXXX XX/XX/2023 XXXX Payment to XXXX XXXX {$200.00} XX/XX/2023 Reversing credit due to Dispute {$1.00} {$190.00} XXXX
Product: Mortgage

The mortgage company would not allow me to make pre payments on bi-weekly basis and would send me default notices. Even after making and additional annual payment and additional principal payments. They wanted to force me to use their products to pay down my mortgage. XX/XX/XXXX & XX/XX/XXXX they told me to stop making bi-weekly payments. So now I have to pay extra interest because they dont want me making bi-weekly payments.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

- XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 an account without my written instructions
Product: Mortgage

My mortgage company Specialized Loan Servicing, which also owns an escrow impound account, missed paying for our second XXXX Property Tax on XX/XX/XXXX and I had been contacting them since XX/XX/XXXX for over 20 phone calls requesting them to pay for the overdue XXXX property tax. Up to this day, they still have not processed the payment for the overdue tax. The reason I was given on over 20 telephone calls was they are working through internal investigations and will pay when they are ready.
Product: Mortgage

I made a quick inquiry to see what the interest rate might be on a home equity load with Rocket Mortgage. I quickly looked at the terms and chose to delete and not proceed with the inquiry. I then started receiving numerous calls and texts from rocket mortgage and 2 or 3 days later when I logged into their app to pay my mortgage I had trouble doing that XXXX was showing this other loan processing.
Product: Credit card or prepaid card

I recently reviewed my credit report and noticed that Discover reported me 30 days late in XX/XX/XXXX. This was shocking to me because I value my relationship with Discover and have always paid this bill on time. The only thing I can think of as to why this payment may have been late is because I had a bad case of XXXX in XXXX of XXXX and I may have missed the payment due to being sick, or I may not have received the monthly statement. This 30 day late is impacting my credit score and I am hoping you can help by removing this late payment from my credit report. Doing so will be greatly appreciated and will allow me to secure the financing i need for my business.
Product: Vehicle loan or lease

I perform a credit transaction with XXXX XX/XX/XXXX. I notice that there was a loan application with American Credit Acceptance which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to American Credit Acceptance XX/XX/XXXX stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay {$800.00}. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; The list goes on and on. They haven't responded to my letter and one of the agent signature the certified mail receipt. They continue to call and harass me for payment when they are committing fraud. I have discussed with an attorney and I expect an cancellation of this contract and my title in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was sold to a different company. I also have medical bills from places I know I havent visited to receive treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 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
Product: Mortgage

My credit report show different addesses and names on it that did not belong to me. If was sent to me through Royal Untied Mortgage, LLC. For a XXXX XXXX XXXX Mortgage loan. Was suppose to close on loan around begining of XXXX. What do I do Next?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX NA XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/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 COLLECTIONS XXXX XXXX {$7700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was charged {$900.00} by XXXX XXXX XXXX. It turns out the items delivered and the offer did not correspond to the presentation made and the follow up session. I asked for my money back. XXXX refused. I contacted the credit card company discover. They provided a temporary credit. XXXX failed to respond in any way to Discover. I asked Discover to credit my account. Although XXXX as not responded Discover has again charged my card and reversed the temporary credit. I have asked them to recredit my account. If? XXXX refuses to respond then I want them to permanently credit my account.
Product: Mortgage

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the total forbearance amount ( PITI ) including escrow shortages from COVID-19 forbearance put at the back of the loan in a non-interest bearing lump sum. This is not yet done.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

The following charges were reported as never being authorized to the credit card company multiple times starting XX/XX/XXXX and were not made by me or my wife. Despite multiple correspondence and phone calls, and with multiple instructions to stop allowing the charges, the company never stopped the charges and never took the fraudulent charges off of my account. 

Transaction Date Description Category Amount XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX
Product: Checking or savings account

I tried to open a new bank and can't also my information was stolen I didn't bank wit XXXX someone used my information
Product: Credit card or prepaid card

Hello, I have filed a complaint previously about CITI bank and the fraudulent charges that appeared on my account in XXXX and XX/XX/2019.CITI bank responded to this complaint stating that all fraudulent charges on my account would be cleared or refunded. Regardless of this statement CITI still trying to charge me for the same fraudulent charges that I clearly didnt make.I have started this dispute with CITI in XX/XX/2019, but CITI doesnt seem to be cooperating with my complaint and continuously restarting the dispute or claiming that they will complete some sort of audit. This had been done many times at this point and Im losing patience. I dont understand why I have to pay for the charges that I didnt make! This is clearly a robbery by a credit company whose security failed and now consumers have to deal with it. Once again, I am asking to clear all fraudulent charges on my account. I dont have any legitimate charges on this card because its a brand new card and all charges I have on it are fraudulent. I completely disappointed about the lack of professionalism from the CITI bank. I also have a perfect credit history and my reputation has been perfect with all of the credit companies including CITI. I have been a loyal customer with CITI for a long time as well and Im very displeased how Im being treated now. The fact that Im being charged for fraudulent charges goes against the federal laws such as Fair Credit Act.  Please help me to resolve this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are two inaccurate and fraud account reporting under my equifax credit bureaus, i have disputed several times and they are not helpful at all, they have been giving me attitude and not even disputing or disputing inaccurately, please help me in this situation. 
i will be attaching the documents that shows the account number and the creditors name as well as the account number. 
appreciate you consideration to help me in this situation thank you
Product: Credit reporting or other personal consumer reports

Transunion has failed to conduct a thorough investigation of the account XXXX XXXX XXXX for many months. My last attempt at trying to get this inaccurate information removed was a few months ago through CFPB. Transunion replied with a general response stating that the account was verified but failed to elaborate. Furthermore, XXXX deleted the account after their investigation, so I am confused as to how Transunion validated this account. Transunion has been sent proof of identity theft, and countless dispute letters and it is clear that they are in violation of FCRA violations. They have shown gross misconduct and moving forward I will be seeking legal action of this account is not removed. I have attached the CFPB complaint for your reference. Please send the following information used to verify the validity of this account : The name of the original creditor. The creditors address and telephone number. The persons name they verified the dispute with. The documentation used to verify the dispute. If you can not furnish this information, please remove this account from my credit report immediately. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Debt collection

COMENITY BANK RELENTLESSLY SENDS MY INFORMATION ( PHONE NUMBER EMAIL ETC ) TO COLLECTION AGENCIES WITH FALSE DEBT. DOESNT MATCH MY NAME OR MY SOCIAL SECURITY NUMBER. IVE FILED FRAUD CASES WITH THEM AND TOLD THEY WERE RESOLVED. JUST THIS WEEK I GOT ANOTHER EMAILS FROM ANOTHER COLLECTION COMPANY SAYING I OWE {$830.00} ON A CREDIT CARD IVE NEVER HAD WITH THE WRONG NAME AND WRONG SOCIAL SECURITY NUMBER. THEY HAVE DONE THIS 3 TIMES NOW. IVE FILED FRAUD REPORTS WITH THEM XXXX  WITH THE FTC ABOUT THIS AND THEY CONTINUE TO DO IT. THEY DESTROYED MY CREDIT WITH IT LAST YEAR AND ARE ATTEMPTING AGAIN. I DONT HAVE ANY CREDIT WITH COMENITY. THE 2 I DID HAVE ARE PAID AND CLOSED BY CONSUMER YET, THEY CREATE FALSE ACCOUNTS WITH DIFFERENT MERCHANTS UNDER MY LAST NAME EMAIL AND PHONE NUMBER.
Product: Credit reporting or other personal consumer reports

When I applied for a credit card on XX/XX/XXXX I learned that a company that I had never heard of before, Moneylion, had a negative report on my credit. They claimed that I had a loan from Moneylion for {$890.00} on XX/XX/XXXX that was never repaid. I have never had a Moneylion account. 
I filed a complaint with Moneylion. They still believe that the account is mine, and yet Moneylion refuses to provide me with any information about the loan or where they sent the money. 
I have since filed an Identity Theft report with the county sheriff.
Product: Vehicle loan or lease

I currently have a lease XXXX XXXXXXXX XXXX whom gave me a loan through Bridgecrest auto financing. I purchased a warranty as well the car is now inoperable and I am still forced to pay for the balance. I had to go to a buy here pay here lot just to get back and forth to work. Ive called several times to the warranty department just to say that Im responsible for the repairs. I dont understand why my warranty is included in the contract and I cant get my car serviced or repaired.