23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I tried to open an XXXX  account with Wells Fargo in XXXX of 2020 and after multiple attempts and being denied with no real reason we finally got approved but we're not allowed to open the account via our local branch and they told us we were flagged and never gave us a reason. it had nothing to do with the XXXX And our compliance ( XXXX XXXX XXXX company, XXXX XXXX. we have never got to open and we feel that they didn't not allow us to reopen due to them being able to force the local area to open accounts to cash checks which they are know to have bad practices with making accounts and up holding good customer relations relating to banking fees.
Product: Checking or savings account

THIS IS NOT A DUPLICATE COMPLAINT. 

At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! It your own dumb-ass fault XXXX XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! The staff here is poorly trained and unprofessional, how could you not know your job? Playing I don't know 's with somebody life. The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. The IRS inform that they can not send me out another check, I would have to go to the website and fill out a 1040-SR form this will take months. I can't buy food, sorry! I can't pay my light bill, sorry! Take it up with the IRS, have them send you out another one, sorry! So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! I the XXXX no help either. Your TD Bank branch people should be fired. I am without food and can ' pay bills, what am I suppose to do? 

Was sobbing me eyes out TD Bank could care. 

I have email the head of TD Bank 's departments. 
Will take legal action if I am not compensated, your bank broke the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent hard inquiries on my credit report : 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

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following unauthorized inquiries reported in my credit report.
Product: Mortgage

In XX/XX/XXXX, I filed to have the PMI evaluated on my home due to significant upgrades. I followed the process that Huntington Bank 's PMI specialist informed me to follow. I submitted written paperwork documenting all upgrades, exceeding {$70000.00}, as well as payment for an appraisal. Huntington Bank says that I must use their appraiser in order to remove PMI, so I mailed a check for payment for the appraisal with the documented upgrade. I was told that once payment was received they would reach out to schedule the appraisal. In XX/XX/XXXX, the payment was received and cashed. I never received communication to schedule the appraisal. I called and emailed Huntington Bank countless times and left voicemails with their escrow department. The escrow department has never answered the phone and only returned XXXX phone call in the past 21 months, to which I was unable to answer at that exact time. In XX/XX/XXXX, I spoke with a customer service agent at Huntington Bank and informed them of the situation. They claimed they had fixed the issue, when in fact they simply began a new application with no information collected from me or given to me. They told me to expect a phone call within a few days. I never received a call. I received a letter in XX/XX/XXXX that my request to reevaluate the PMI was denied. I have continued to call and receive no information about why this is happening and only get transferred to the escrow department, which is never answered and messages never returned. I have followed all the guidelines provided by Huntington Bank, yet have not received communication from them for 21 months. They not only took my money and have not provided the service that I paid for, but they also increased my monthly payment with no notification or reasoning for the increase. It is to the point that I believe that they either no longer have an escrow department or that the department is either incompetent or fraudulent, both of which are terrifying by one of the biggest mortgage services in the country.
Product: Payday loan, title loan, or personal loan

I was approved before for a possible loan but now I am getting denied because it says I am XXXX XXXXXXXX XXXX which I am not
Product: Mortgage

Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. I was contacted by the business in XXXX of XXXX  and told that i qualified for a modification and was told to go delinquent to continue with the modification. i was never made aware of the covid forbearance i qualified for or any of the covid assistance programs i could have used. i have attempted to speak with the business regarding this multiple times and my manager voicemails are never returned. To my understanding compliance with the CARES act would required ServiSolutions to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XXXX I sent a certified letter to Experian advising them they have US Dept of Education listed 5 separate times on my credit report and they all have the same account number except for one of them. This is really affecting my credit. It is my understanding if an account is negative, it should only be listed one time, not 4 times. After sending them 2 separate letters, they still have not fixed the issue. I have attached the letters that I have sent them. 

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

I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX C/O MITCHELL D. BLUM & ASSOC. LLC I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXXXXXXfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$5300.00} on the XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a charge-off that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unacceptable response to complaint XXXX as your investigation only verified name rank and serial number, which is not what I 've disputed. I will again submit a follow-up compliant with Experian until Experian takes the same position as XXXX  by refusing to support a known predatory loan that not only was part of a class action suit that cost XXXX XXXX 150+ million in settlement costs, but was even identified by the grantor " XXXX XXXX '' itself as being handled in error. 

Experian continues to allow XXXX XXXX to stand behind their predatory lending practices as the home equity loan in question was an instrument of XXXX XXXX home loan, which affected roughly half a million borrowers that took these XXXX loans under false pretenses from XXXX, me being one of them. XXXX Bank and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because XXXX loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' In addition to XXXX admitting that they error-ed, said home equity loan was transferred in XXXX of XXXX under Account XXXX while litigation proceedings were still in progress and without notifying me or my attorney of this critical piece of information that would have otherwise alerted my attorney of XXXX XXXX 's intentions to proceed with foreclosure and sale of the home in lieu of working out a true modification that would have upheld the loans original commitment.
Product: Credit card or prepaid card

On XX/XX/2022 I realized my my pre paid government debit card was stolen the day before on XX/XX/2022. I immediately called the XXXX and notified them my card was stolen. When I called the charges on my card were still pending and had not been processed. I asked that the transactions be stopped and was told that was not possible. I filed a claim for the charges on my card which are over {$1000.00}. I was told I would receive some paper work in the mail that I needed to complete to file a claim. I never received the paperwork. I called back on XX/XX/XXXX and was told that I could submit a claim by submitting a hand written letter via email which I did. When I called back a few days later to check on the status of the claim I was told my claim was denied. They would not tell me the reason it was denied only that I would receive a letter with an explanation. To this day still have received nothing from this company. I was told Im was able to appeal the denial by email which I did on XX/XX/XXXX. Again, when I called back a couple days later, to check the status, I was told it was denied again with no reason as to why and that I would receive a letter in the mail. I still havent received a letter. When I asked the person how they did their investigation I was they they dont know. When I asked, who would know I was told they didnt know it was the investigation department and they dont have telephones there and they dont know how they do their investigation, that nobody could help me and they ended up hanging up on me. I have called back several times and asked who I can speak to regarding my claim and each time Im told that the claim has been closed there will be no further action done on my claim and theres nothing more that I can do and I get hung up on. I sent an email on XX/XX/XXXX and XXXX asking to speak to someone regarding my claim and have received no response. It would be very easy for the company to request the signed receipts for comparison to my signature as they did not have my pin and used my card as credit which I didnt even know was possible. This would be an easy way to determine I did not make the charges. I dont believe XXXX XXXX any attempt to investigate the charges on my card had they it would be easy to see they were not made by me. It is absurd to me that I called and notified them my card was stolen while the charges were still pending they couldnt do anything about it but they refused to refund me. Not did they even do an investigation on who made the charges. I have called several times only to be told my claim is closed, there will be no further action and I will receive a letter in the mail. I also filed a police report with my local police department.
Product: Bank account or service

Please be aware for the fraudulent and deceptive advertising business practices of the Bank of America. I did find the promo over the internet for {$400.00} bonus for open up new checking account at Bank Of America and after account was opened, the bank representatives failed to grant {$400.00} bonus for which I was entitled. Many made promises was made at the local branch but the manager but just give up.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent items from my account with Credit Bureaus. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent items have not been adequately addressed, and they continue to persist. 

I have made multiple attempts to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent items remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent items from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I ordered from XXXX on XX/XX/2023 - the amount was {$68.00}. I han another order from XXXX on XX/XX/2023 - the amount was {$160.00}. Both orders were paid from my checking account via Telecheck. 

I was double charged for both orders : My checking account was charged on XX/XX/2023 in the amount of {$68.00}. 
My checking account was charged on XX/XX/2023 in the amount of {$68.00}. 

My checking account was charged on XX/XX/2023 in the amount of {$160.00}. 
My checking account was charged on XX/XX/2023 in the amount of {$160.00}. 

My bank sent back {$68.00} and {$160.00} because of the double charge, NOT INSUFFICIENT FUNDS! Two days later I get an email from a collection agency TRS Recovery Services, XXXX XXXX XXXX, XXXX, GA XXXX, Phone XXXX. XXXX has locked my account, unable to place orders, until I send money in the above amounts to the collection agency. I was required to send my bank statement to the collection agency for a " 30 day review ''. I filled out the form, sent the information and nothing has happened. 

I contacted XXXX- they said I did not pay my bill. 

The whole issue is a Telecheck XXXX XXXX. TRS Recovery 's client is Telecheck. I believe this is all an invented scam to fraudulently force me to send them money that I do not owe. 

I also am concerned Telecheck and TRS Recovery will send fraudulent information to the credit bureaus as another way to extort money. FRAUD!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, XXXX, TransUnion, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?
Product: Student loan

I am a concerned consumer and I am aware that Dept of Aidvantage may be infringing upon my rights to privacy by violating the Fair Credit Reporting Act according to the Gramm Leach Bliley Act 15 USC 1681a ( 2 ) I, consumer have the right to opt out of any and all consumer reportings and as of today, XX/XX/2022 I am exercising that right to privacy and request to no longer receive these consumer reports.
Product: Checking or savings account

A company called XXXX XXXX XXXX XXXX XXXX XXXX Falsely claimed they suspended my car registration. I paid almost XXXX in fees and penalties and they had no authority to lift the suspension. I later found out it was XXXX ny that suspended my registration and I had to pay them XXXX, which then lifted my suspension. I contacted my bank which is Bank of America and filed a claim. In about 7 days they denied my claim and I couldn't get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Rented an apartment. Father was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!