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

Date : XX/XX/year> Formal Complaint Regarding Delay in Refund XXXX via Cashiers Check BANK ACCOUNTS No. XXXX To : Regions Bank CC : Consumer Financial Protection Bureau ( CFPB ) Department of Consumer Complaints and Protection XXXX XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX I am writing to express my formal complaint regarding an unacceptable delay in processing a refund from my checking account No. XXXX via cashiers check. 
I initiated a XXXX payment of {$1000.00} on XX/XX/year>, which was confirmed by Regions Bank as completed in an email sent on XX/XX/XXXX at XXXX pm. Following this, I decided to close my account on XX/XX/XXXX, receiving confirmation that same day. 

However, after the account was closed, I was informed via email on XX/XX/XXXX that the payment had not been processed. To address this, I visited the Regions Bank branch located at XXXX XXXX XXXX XXXX, where I spoke to Relationship Banker XXXX XXXX. XXXX XXXX assured me that my account would be reopened, and the funds would be returned the same day, but this was not fulfilled. 

In a further attempt to resolve this issue, I visited the Regions Bank branch at XXXX XXXX XXXX XXXX XXXX, and met with XXXX XXXX XXXX XXXX, who opened a ticket ( Ticket No. XXXX ) to follow up on my case. Despite her assurance to provide updates, more than 15 days have passed without any response or resolution from either XXXX XXXX or XXXX XXXX. 

The prolonged delay in receiving my funds is causing considerable financial stress, as I have yet to receive the cashiers check or any official communication on the status of my refund. I request that Regions Bank expedite this matter and provide a clear explanation for the unacceptable delay and lack of communication. 
I am also forwarding this complaint to the Consumer Financial Protection Bureau to document the inconvenience and financial hardship caused by Regions Banks handling of my case. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the refund process as soon as possible. 

I reserve the right to pursue further legal action if this situation is not promptly and satisfactorily resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was approached by XXXX XXXX and Equitable Acceptance to so called help me get loan forgiveness on my student loans. In the process of them so called helping me they have charged about {$1300.00} to do absolutely nothing for my student loan forgiveness status. All of the forms that I need to qualify for loan forgiveness are on the Federal Student Loan Website. 
XXXX XXXX and ( Equitable Acceptance ) which whom XXXX contracted out to collect their fee 's did absolutely nothing for me. 
They are charging people to handle their loans and loan forgiveness when they in all actuality are a needless middleman. In XXXX  when I first got involved with them they never even gave me the correct forms to fill out from the get go, in which all actuality I could have downloaded from the federal student loan website myself. I was then made to sigh up with Equitable Acceptance to pay a total fee of {$1300.00} These people are Scammers!!! XXXX XXXX and Equitable Acceptance.
Product: Debt collection

I paid off my account in XXXX XXXX to National Credit Audit in XXXX of XXXX. I call to ask when my information would be updated. The person became rude and adjitated that I contacted them and told me because I did a settlement it takes a long time to update and is up to the credit agency 's to update my information. I have called and e-mailed for updates and no response. Account name under XXXX XXXX. My new name is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Student loan paid in full but havent updated credit reports
Product: Debt collection

I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were XXXX days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them XXXX times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of XXXX days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking with TD Bank, in response to a card I received in the mail inviting me to receive a {$400.00} promotional bonus for opening an account before XX/XX/XXXX, & receiving in the new checking account direct deposits totalling {$2500.00} within 60 days of account opening. I satisfied the direct deposit requirement on XX/XX/XXXX. To date ( XX/XX/XXXX ), despite approximately six telephone calls to customer service & to the local TD branch, as well as sending multiple emails, I have not received the promised promotional bonus. Four times I have emailed pictures of the card I received in the mail, which stated that it could be up to 180 days before the promotional bonus might be awarded ; that timing ( unreasonable to start with when compared to other banks ' promotional offers ) has now been exceeded by more than two weeks.
Product: Credit card or prepaid card

A booked a flight through American Express for my family of XXXX. Unfortunately I had to cancel the trip. I used the chat bot feature to do so. The chat bot informed me that I would get a credit of {$420.00}. Apparently now American Express states its {$420.00} divided among the four tickets. The chat bot function did not relay that or make it clear in any way. I am in need of that full credit amount for an emergency use.
Product: Mortgage

I was told by Third Federal Savings & Loan during several conversations with Loan Department Manager XXXX XXXX That XXXX XXXX XXXX XXXX was trustee after checking this information out I was told on my first initial contact that indeed they was trustee and XXXX XXXX was Servicer. How could this be when Third Federal Savings & Loan claimed they was servicer and have been collecting my payments for the past 20 years on a perfect payment history from myself. After further investigation and meeting with XXXX XXXX he told me that Third Federal Savings & Loan was collecting payment on behalf of the government which is fraud since my Mortgage was paid off by government based on bailout or tarp program. 

Secondly, after further digging into this matter by contacting XXXX XXXX XXXX XXXX I was my information was no loner in database and they was not trustee after pulling my tittle is where I discovered that I was the assignee which clearly makes me the owner of my property. Third Federal Savings & Loan sold my Mortgage to XXXX XXXX XXXX XXXX THEN PROCEEDED TO COLLECT PAYMENTS FOR TH PAST TWENTY YEARS WHICH IS CLEARLY FRAUD I file Lien against them for their actions. their are reporting my mortgage as late to all three bureaus as I refused to give them one more dime see below email from XXXX XXXX XXXX XXXX response first email was XX/XX/XXXX, and recent email XX/XX/XXXX below is email I received from you last month PROPERTY LOCATED XXXX XXXX XXXX, OH XXXX so are you no longer trustee please reply Thank you for your recent correspondence. 

As per our records, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX Phone # : Loan Servicing : XXXX Loss Mitigation : XXXX Short Sale : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX acting as a Trustee, and therefore we do not own the loan or the property. As trustee, XXXX XXXX is not involved in the servicing of the loans or the foreclosure process.. This is the responsibility of the Servicer. The servicer is the direct and only contact who would have the information you are seeking. 

Thank you for contacting XXXX XXXX. 

On Fri, XX/XX/XXXX at XXXX XXXX, XXXX wrote : Thank you for your recent correspondence. 

After researching our database, we do not show any records of the address ( es ) listed in your email. If you have documents showing we are the Trustee, please send it to this mailbox so it can be researched further. All applicable documents should be sent via email. However, please note that XXXX XXXX is solely the trustee and any property preservation, release, assignment, etc. would be handled by the applicable servicer. If you know the applicable servicer, please contact them directly. If not, please send any documentation you have showing XXXX XXXX as trustee so that we can direct your email to the appropriate party. 

Thank you for contacting XXXX XXXX. 

PLEASE STOP THE FRAUD BEING COMMITTED AGAINST MYSELF FROM THIRD FEDERAL SAVINGS & LOAN AS I DEMAND MY DEED TO MY PROPERTY Thank you muck XXXX XXXX.
Product: Credit card

Citi Bank company purposefully dropped my credit limit under what I owe by almost {$1000.00}, without warning or time to bring my balance down under the limit. ( Previous limit : {$4500.00} ... .dropped to {$2300.00} ... .when I owe $ XXXX ) Following is what happened, XX/XX/XXXX, 2017 just before midnight, I made a payment of {$1000.00} to Citi. I realize in the morning payment was for the wrong card. I called and asked Citi stop the transaction. I was told they did not see it in their system. As a precaution, I called my bank and explained what happened and to stop this payment. XX/XX/XXXX 2017, they payment was removed from my account. I called and disputed it. My bank reversed the payment on XX/XX/XXXX, 2017. Now on XX/XX/XXXX, 2017, Citi drops my credit limit to {$2300.00}, which is almost {$1000.00} ( {$970.00} ) under my current balance. I in all good conscience, called and advised them of a mistake. I let them know I would pay a stop transaction fee if needed. But to change a persons limit, purposefully making the amount well, under their current balance, WITHOUT allowing me 60-90 days to pay down my balance to reach the new lower limit .... is just plain spitefulness. I do not care that they dropped my limit! I am concerned that by doing what they did, it is going to reflect negatively on my credit report/history. Which is what they wanted in the first place. I am ashamed that I ever accepted this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am writing to you with heavy heart that XXXX XXXX XXXX  reported that i was late to pay them mortgage on XX/XX/XXXX. I never had any late payment in my life time and had 100 % on time payment record until this report. I am sending you 3 month bank deposits for XXXX, and XXXX of XXXX and XX/XX/XXXX to show my proof of payment to them. 

During XXXX even after i sent them payment on time they did not post it due to Escrow amount changed ( my tax got increased ). they were expecting about another {$250.00} on top of my regular amount. When i received a phone call from them i paid that over the phone immediately.

I am sending the letter from XXXX  XXXX saying they found my missing payment and i should be good. any late payment will be waived and they will update credit bureau too. When i saw the notification from XXXX XXXX that XXXX XXXX is reported me being late i was shocked. it happened after i got that mail! i immediately called them and they told me it will be fixed and they will update credit bureau. it should take 3 to 4 weeks to update. 3 weeks after than conversation i received a letter saying they will not fix it as it was not their error.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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
Product: Credit reporting or other personal consumer reports

I went to the bank to open credit. they run my report said that I have best buy credit card open and have balance owe. I never open and used at all. I already called the best buy credit to dispute the card. a few days later I went to XXXX to check my credit report it showed I have best buy ACOUNT # XXXX and XXXXXXXX XXXX XXXX  ACCOUNT # XXXX which never open. Now I need to report so I need dispute the cards. 
so I show it to the XXXX they can do something to closed it for me.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has yet to remove the account I Opted-out of on XX/XX/2023. Please delete this account as it is hindering me and my family financially.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX on several attempts to investigate and remove items from my credit report.. they have failed to investigate the account but in stead in 5-7 days update on the file verified with no explanation of how and what was verified.. the account areXX/XX/XXXXfor XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXXfor XXXX,XX/XX/XXXXXXXX for XXXX, XX/XX/XXXX, XXXX {$780.00}, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, Im writing this matter myself without the help of any third party. I hereby now will go forward with my dispute. In accordance with the Fair Credit Reporting act. The list of creditors below are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # : XXXX, are violating my rights. XXXX XXXX. Account # : XXXXare violating my rights. XXXX XXXX Account # : XXXX, are violating my rights. VA XXXX XXXX creditors as well as the credit reporting agencies ( XXXX, TRANS UNION, and XXXX ) are violating my fourth amendment right. I should be protected and secure within my papers and I have not been with a reason being my personal information is being reported to consumer reporting agencies without my written consent. I aint secure within my papers and that is a violation of the fourth amendment right. Further, 15 U.S. Code 1681 section 602 A of the Fair Credit Reporting Act states I have my right to privacy. I am being taking advantage of in which I highly feel that the listed creditors as well as the credit reporting agencies are conspiring against my rights to injure me as I am currently injured due to my right to privacy being breached. I am being deprived of my rights and I am being treated very unjust. The creditors that i have listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( XXXX, TRANS UNION, and XXXX ). 15 U.S. Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are and doing and have done to me as I did NOT authorize, nor give permission, nor did I provide any written consent to any persons to furnish such accounts. 15 U.S. Code 1681c ( a ) ( 5 ) states very clear that 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. My consumer report by law shall not contain any of the listed accounts that I have listed above. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states 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. I notified the listed creditors prior to doing this complaint to let each person know their reporting is in-fact incomplete, inaccurate, and non-verifiable. I demand that these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.
Product: Credit reporting or other personal consumer reports

Ive contacted TransUnion on XXXX different occasions about not being able to access my consumer report. After being told on XX/XX/year> that was an I.T. Issue and issued a case number and would receive a call within 72 hours. Case number given was XXXX. Called again on XX/XX/year> and was told the same thing. No results yet
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

NY and CO charged me a late fee after my payment posted to my account. They refuse even to the CFPB to the CFPB during a pandemic and will not help me. They are being rude and callous and I would like assistance in getting this late fee refunded. I have asked nicely and no one will help me, and can not believe a bank that I have done business with can treat its customers in this manner and will not refund a {$24.00} late fee that they imposed on my account AFTER my balance was at {$0.00}. There is a global pandemic going on, mail has been missing and late- and I NEVER received a statement and paid my account in full, and was not late in making my payment. It was posted and cleared my bank in the window. This is so troublesome that this bank is committing fraud during a pandemic and refuses to refund or waive an erroneous late fee on a {$0.00} account. 

If they do not help me I will be forced to escalate this case with all documents of not receiving statement and the pandemic to other federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit file that I did not authorized from XXXX XXXX XXXX XXXX dated XX/XX/2017.
Product: Debt collection

Hello, My ultimate problem with this company is unusual in that I HAVE the funds and WISH to pay, but because they are negligent, they have no other option than to pay back the loan with the debit card that I originally received the loan on, a card which was compromised on XX/XX/XXXX. 

I have needed to pay back the loan since XX/XX/XXXX but after repeated calls to customer service, I was informed that there was " nothing they can do '' to fix the system, such as allowing me to pay by XXXX, an alternate card, even mailing in a check. What gives? 

And because they don't know how to use the internet, I'm getting calls and harassing texts with NO OPT OUT option multiple times a day, including on XXXX XXXX  such as XXXX XXXX XXXX XXXX. I've even tried calling their debt collection line to work something out but I was left on hold for hours. Seriously!