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

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CI XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : {$7300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ( previously late open ) XXXX XXXX XXXX Balance Owed : {$0.00} ( previously late open ) XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Unpaid Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$120.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Product: Checking or savings account

On XX/XX/2021, I requested to have a recent checking account closed. ETrades customer service representative provide incorrect procedures and processes regarding their checking account product. From day one, there has been one issue after another and resolving the issue is like pulling teeth. The representative repeat the issue several times without any coherent resolution. 
On XX/XX/2021, I received an email stating they could not close my account because of a negative balance of {$510000.00}. This is to cause further issue with closing the account. Although theres never been over XXXX in that checking opened 2-3 weeks prior, I reviewed the account to see there had been any identity theft on the account. This further my concerns that means there isnt any safeguards in the Financial Institution that is safe doe any customer. 
My concern with the closure of the account is the negative balance stated is my the checking number. THIS IS REALLY SCARY! Tells me there is dishonest and crooks working at E-Trade.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Complaint Experian has locked me put of my open accounts because of me reporting them and the law states consumer is supposed to be able to access there credit scores with ease i also paid for membership and still nothing form that site, I am Depressed Very Bad, Experian is hurting me causing damages where as i am moving this month and can not let them check my credit due to experian dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of experian. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to Experian Furnishing, Housing or producing my personal Information. I did not give written consent for Experian to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled at the response from my complaint #  XXXX  in which you claim to have verified the bankruptcy on my file with the verbiage "   XXXX   has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United S tates Federal Bankruptcy Court '' I would love to know how that can be. You did NOT conduct an investigation into this and neither did your third party   XXXX   XXXX . The bankruptcy court does not furnish nor verify with anyone without a court order the contents of the bankruptcy. A person sitting on a computer looking at a website is NOT verification.     If in fact there was an investigation, please provide your method of verification, with whom  at the County Clerk you spoke  and the time and date of the verification. A verification means it can be subpoenaed in a court of law. I am certain that this was NOT done. I know this because I personally went down to the courthouse and verified with the clerk herself that this method does not follow the guidelines of the FCRA and FDCPA which you are in violation of here.     I have suppressed the date from being reported by YOUR third party vendor who you claim made this verification. So, if the third party suppresses the information, then how on earth can it report and verify to you the information is in fact true? This means either you or your third party vendor could not be bothered to rectify my complaint and just dismiss me without any viable proof other than your statement that the information is true and just.     Without proof, there is no court on earth that will " take your word for it '' because a third party vendor decided not to do his or her job.     I am sick and tired of writing complaints and letters and pleading with you that I face bodily harm while this information is reporting on my credit file. If anything happens to me, my next of kin will be ready to testify that your negligence will be held responsible for any harm that is inflicted on my body or person. They will sue for the maximum possible punitive damages again st you. See attached court  case.     Please remove the unverified and falsely reported and suppressed bankruptcy from my credit report.
Product: Debt collection

There were 2 calls ... 
Call 1.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with.. 

Call 2.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with..
Product: Debt collection

These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my XXXX XXXX have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.
Product: Bank account or service

I made a mobile deposit on XXXX XXXX to my XXXX bank account from my Apple Bank check XXXX. I have been to XXXX and they took the credit away from me because the check was never paid by Apple Bank. XXXX claims that XXXX bank has the original check and was cashed at an XXXX bank on XXXX XXXX, 2015. However, I do not own an account with XXXX nor do I know anyone who has XXXX. Someone stole this apple bank check from me. According to XXXX, Apple bank needs to file a forgery claim affidavit with XXXX in order to get my {$500.00} back from XXXX because XXXX does not have that check. On XXXX XXXX, Apple bank withdrew {$500.00} from my checking account to pay XXXX for the mobile deposit I made. On XXXX XXXX, 2015 Apple Bank withdrew an additional {$500.00} from my account to pay XXXX. However, two days later Apple Bank returned the additional {$500.00} withdrawal to XXXX due to a fraud claim. Then on XXXX XXXX, XXXX withdrew {$500.00} from the deposit I made on XXXX XXXX claiming that XXXX has the original check. So what happened to my deposit on XXXX XXXX to XXXX. I am missing {$500.00} dollars. I physically went to XXXX to try and solve this and they would n't speak to me because I am not a customer with them and they need to deal with Apple Bank directly. However, after numerous attempts of going to my local Apple Branch they have not done anything for me. They refuse to even speak to me at the XXXX XXXX Apple Bank XXXX. The manager at the XXXX XXXX Apple Bank, told me to file a police report, and also to write a letter explaining the situation. When I went with all the documents she required from me she refused to even look at it. Her name is XXXX XXXX. She is the Manager at the XXXX location. If this is who Apple Bank has in charge of that location. As soon as this is resolved I will be closing my accounts with Apple Bank. A bank where I have had my accounts for close to 20 years. She has not been professional at all. She tries to avoid at all costs and all she ends up doing is referring me back to XXXX or to XXXX, knowing I do not have an account with XXXX! All I want is help from Apple Bank. they should reach out to XXXX and retrieve that stolen check from me. This is my hard earned money being stolen from me, and the fact that my own bank wo n't even fight for their own check is sad. If this is how customer service is handled in Apple Bank, I will close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.
Product: Credit card or prepaid card

TD Bank has twice turned down my claims for fraudulent charges made on my credit/debit card. I was informed it was because the purchases were made within 50 miles of my home and that they are similar recurring charges. I have never used that ATM or sent money using the service that was used ever in all the years I have been a customer with TD Bank. I have been a customer with them for at least 15 years. 
On XX/XX/XXXX I noticed charges on my account that I did not recognize or authorize. I immediately called TD Bank and filed a claim for over {$900.00}. There was an additional fraudulent charge for {$300.00} that was in the pending process so I had to wait until it went through to file a separate claim, which I did a number of days later. Please note that a provisional credit from TD Bank was issued for the {$300.00}, but not for the original amount. The fraudulent charges are as follows XX/XX/XXXX to XXXX XXXX XXXX  for {$200.00} XX/XX/XXXX to XXXX XXXX XXXX for {$300.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX XXXX XXXX withdraw at XXXX XXXX XXXX in XXXX for {$200.00} XX/XX/XXXX to Square Cash for {$300.00} ( This is the charge that TD Bank issued a provisional credit for pending their investigation. The credit was issued XX/XX/XXXX ) As I stated previously I have never had any charges to these places before. 
I than went to my local police department, the XXXX XXXX Police Department and filed a police report for identity theft. This police report was immediately faxed to TD Bank the day I received it. TD Bank acknowledged to me on the phone when telling me my claim was denied a second time that the police report was indeed attached to the claim, so they have it and still denied the claim. 
I asked the supervisor at TD Bank, XXXX whom I spoke with to refile the claim. She said I would need new information to do so. I do n't know what to do. I am out over {$900.00}, plus the {$210.00} in overdraft fees that TD Bank had the nerve to charge me with after the fraudulent charges hit my account and items started bouncing all over the place. I am on XXXX and do n't have a lot of money so this is really hurting me financially. 
I have a print-out of the bank transactions as well as a copy of the police report.
Product: Credit card

On XX/XX/2023 I attempted to do a balance transfer using my XXXX app to transfer a balance of {$8400.00} to pay off my Bank of America credit card and it kept saying it wouldn't go through. On XX/XX/2023 I called XXXX and a rep was able to help me with a balance transfer that I decreased to {$7400.00}. On XX/XX/2023 Bank of America received money from XXXX in both amounts for a total {$15000.00} in which it took months of phone calls to get reversed. So finally, on XX/XX/2023, Bank of America sent XXXX back {$8400.00}, but XXXX is saying they never received it. I have called both banks MANY times and have not gotten anywhere. XXXX is asking Bank of America to send me proof of the wire transfer with accounts and routing numbers which I have yet to receive. On XX/XX/XXXX Bank of America sent me a letter saying that they had attempted to return the money to XXXX, but it wouldnt go through so they were gon na cut me a check. I got the check shortly after and I attempted to cash it but they had stopped payment. So I either need a check again or they need to put the money back in my account. And if they are still saying, they sent it to XXXX prove it, because XXXX is saying they do not have it.
Product: Credit card or prepaid card

Bank of America closed all my accounts ( 4 personal credit cards, 1 business credit card and 1 bank account ) by themselves and they stated that I violated their T & C and they state that they have the right to close all my accounts at any time. They also forfeited my rewards that I had earned from the credit cards ( close to {$1000.00} in rewards ) and they would not let me redeem my rewards that I earned it myself. Their T & C clearly state that rewards don't expire and I have the right to get my rewards that I earned and they are supposed to be mine.

When I tried to contact them and asked why they closed my account, they would not tell me or give me any information. I have always paid my credit card balance on time and never had a late payment. I always tried my best to be their best and loyal customer.

Could you please contact them on my behalf and ask them to give all my earned rewards ( close to {$1000.00} in cash value ) and ask them if they can open my account ( s )?

Also, I would greatly appreciate if they can provide a more detailed answer on why all of my accounts were closed before trying to discuss anything with me?

Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I ordered my free annual credit reports from all three credit bureaus ( XXXX, TransUnion, and XXXX  ). The automated system verified my information, and it stated that I would receive my reports within 15 days. By XX/XX/2021, I had not received my reports. As a result, I filed a complaint with this organization against ALL THREE CREDIT BUREAUS ; however, this organization sent the complaint to XXXX, but it was not sent to the other two bureaus. It is a violation of the law for your organization to interfere ( or allow someone else to interfere ) with the very process you were established to protect! With that said, I am re-filing this complaint, and I expect your cooperation in sending it out to ALL THREE CREDIT BUREAUSexpeditiously and simultaneously. Additionally, when I called the phone numbers provided for all three bureaus to inquire about my reports, they were not truthful, and there were technological issues present at all three bureaus. The technological issues prevented me from ordering my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ someone opened a fraudulent credit card from XXXX XXXXXXXX from XXXX VA. I called XXXX XXXXXXXX and had it shut down. I was then told by XXXX XXXX I need to contact all three credit bureaus to have the hard inquiry removed from my credit history since it was fraudulent and not me. Equifax told me this inquiry can not be removed from my account for two years! This was not me and I want it off my account. I filled two disputes and they said they are not removing the inquiry from my account!! This was not me and I want it off my report it was FRAUD. XXXX XXXX informed me it can be removed from my credit history and equifax keeps saying they can not remove it even though they have verified it was fraud with  XXXX XXXX
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. 

Account name : XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX  has violated my rights Account name : XXXX 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 r

eporting 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

Westlake Financial Services has negatively affected my credit for some time. Jumping from one bureau to another. Stating the account was opened XXXX 2013 for an amount of XXXX. I would like to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTING XXXX, EXPERIAN AND XXXX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19
Product: Mortgage

My mortgage was recently transferred to NewRez. I have autopayment set up on my account for which payment cleared in XX/XX/XXXX. 

On XX/XX/XXXX a second payment was deducted from my account. I contacted NewRez which required navigation of a long phone menu. After contacting customer support they said it was a known issue for all recently transferred accounts. A second payment was deducted via ach in error and was scheduled to be reimbursed. No timeline to reimbursement provided. No notification of the error. No message posted to their site, noting the issue. 

Payment was returned the following day. On the next day a third payment was deducted from my account. As in the first instance, I called and the agent said it was a known issue and that funds would be returned the following week. 

I asked what was being done to remediate the issue. The agent was not aware. I asked the agent for a concession given the withholding of funds for a period in excess of 5 business days. No concession granted.

I was then directed to a manager who could not explain the root issue, nor provide a concession for funds withheld. 

No notification of their error or communication has been provided by NewRez
Product: Checking or savings account

I had {$13.00} in my checking account with Webster Bank. On XX/XX/2023 I processed XXXX check payments so that Webster Bank would mail checks to the payees on my account. The first payment for my {$5.00} was for my Primary Care Physician, XXXX XXXX XXXX and the second payment was for {$5.00} for XXXX XXXX. After these payments clear my account balance should be {$3.00}. Today I reviewed my account and my balance is {$3.00} but I was charged a service charge for {$10.00}. Had I known that Webster Bank deliberately intended on ripping me off and defrauding me out of {$10.00} I would have simply closed this account. I would never have proceeded any payments had I known my account would be short or negative funds. What truly bothers and disturbs me is that Webster Bank knowingly and intentionally processed these payments before taking this unwarranted and unjustified service charge. I feel that this was deliberately done and that I was targeted because of previous complaints. I feel that the timing of this service charge is extremely suspect and very suspicious especially since I was never informed or advised of any new bank fees or changes other than the one for paper statements, which to avoid this charge I immediately switched to electronic statements. I feel like Webster Bank deliberately takes advantage of customers that are on a fixed income or are struggling financially. I see no intelligent reason why a bank would find it necessary to deliberately target and take advantage of customers that are poor but this bank definitely does by all the ways they intentionally give customers the shaft. I feel truly victimized, and deceived by there deceptive business practices and tactics that I feel need to be investigated. I should not be forced to pay extra fees and charges just because Webster Bank processed my payments then they decided to take this money that was accounted for these payments as a nuisance service charge. This is not right or fair. I am respectfully requesting your assistance with this extremely difficult situation.
Product: Mortgage

I have two loans with this servicer and I have 3 issues : 1. There is too much money being taken out of the escrow account and I have requested that the escrow account be eliminated and my money be refunded. 
2. They are either not charging me enough and/or not allocating the funds properly, as my loan amounts have not gone down one penny in two years and in fact, on one of the loans, the balance has gone up. 
3. Most disturbingly, the interest rate has risen 3 years in advance of the time we agreed. See supporting documentation. 

This company recently changed their name but it appears to be the same company. Under the previous name, there are a number of similar complaints.