23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

We have a mortgage with the bank and was told, like always to go to their nearest bank to fax our formation quickly for an appeal for a modification. We told the mortgage company that we did not have a fax machine. We went to the bank to receive a fax from my husband 's mother that was now living with us and would now show more income.We explain to the service worker that it would be a bank statement and her award letter that we were receiving and they said okay., But We also told them that we were going to send the information to our mortgage co.for a modification and that today was the deadline for it.They asked for my license and proof of me having a mortgage with them and I gave it to them. 
We were waiting for an unusual long time to get the documents back.I went to the manager and asked why is it taking so long and they said that they just needed extra time to get the documents and I called my mother-in law and ask did she send it and she said, yes.I asked her did she put attention to the name of her son on it and she said yes. 
They were treating us like criminals and acking strange.We had a deadline to meet.I asked them to give me my license back and they refuse and I asked them what was going on and they would not answer me and in a concerned voice I asked them again and the manager said that she was going to call the police on us.This was very crazy to me and I asked why would they call the police on us and she did not answer me.I asked for my papers and my license again and she was acking crazy and would not give me my belongings.And she said that my husband did not know the person that was faxing the information and ask that he show that he knew her.My husband gave here all kinds of proof that this was his mom.She still did not want to fax the papers to there Mortgage company that was their company. He called his XXXX year old mom and she did not want to talk to her and I was still asking for my belongings and she said again that she would call the police on us for no reason. I was so scared that I went outside and sit in a hot car and calling my husband on the phone begging him to leave the bank but he said that he was not going anywhere because we did not break any law and that he was not leaving without my license and our papers.I desided to call the lady that was represented us and was waiting i for our papers to be faxed to here and I asked her to talk to the banker on the phone and the banker did not want to talk to her either.My husband pleaded with her to talk to the lady that was wth our mortgage. She finally talked to her and she was asking all kinds of questions.Like did she know us and why did we need these papers .It was horrible and the banker still did not fax all the papers that was needed.She only faxed one side and it did not get there in time and we needed to re fax it and the banker did not give us our papers back but instead she said that she would shred them.We are now in foreclosure and there is a sale date of XXXX because of her.
Product: Consumer Loan

Exeter finance has continually misled to me and admitted their mistakes on a recorded line. They sold me a loan and lied to me how much interest I was paying and how it was accruing.In addition their collection activities have been harassing at work and they have not complied with Georgia rules and given me enough notice XXXX is my account number I have spoken with XXXX and XXXX at their company and they give a list of excuses. They stated and admitted they have made mistakes in their verbal conversations and are constantly not meeting compliance on my account on verbal recorded lines. I am requesting the interest rate I was advised by Exeter upon the receipt of the initial loan 19.71 percent is what I have and I am requesting it to be the 10 percent I was advised. They are sloppy in their training of employees and they are not advising me correct information as when my vehicle is for assignment and notices given. They have distorted truth and admitted to their mistakes verbally but have n't cured them. I was told it was an installment loan annual interest accrued. Instead they gave me an vehicle loan of interest calculating the loan. Their notices after making a payment were not compliant with Georgia on the XXXX day. I made a payment and was told verbally that would negate the notice. Now they are saying after given the money they do n't have to meet compliance. I was never explained the terms of my loan and now I am stuck with this interest rate. Exeter finance never explained the loan to me and has misled me since inception.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports! 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
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. 

XXXX XXXX  XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$39000.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 


XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$2300.00}. The original creditor is XXXX. 

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 card or prepaid card

My XXXX XXXX  debit card had fraudulent charges on my account on XXXX one was a purchase of XXXX and a withdrawal of XXXX. I have advised the payroll card company of this fraudulent activity I also advised the federal trade commission and completed and identity theft affidavit. I have also alerted the FDIC and the Illinois States attorney general. XXXX XXXX advised that I would receive a provisional credit within 10 days. I requested to speak with the disputes department I was advised that that department does not speak with customers. I requested communication and updates XXXX XXXX has not provided that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Subject : Formal Complaint Against TransUnion for Identity Theft Handling and Violations of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against TransUnion regarding their handling of an identity theft case and apparent violations of the Fair Credit Reporting Act ( FCRA ). I believe TransUnion has failed to adequately address my concerns, and their actions have raised serious questions about the accuracy and integrity of my credit report. 

XXXXBackground : ** I initially filed an identity theft complaint with TransUnion on XX/XX/XXXX  providing detailed information and supporting documentation to demonstrate that the collections account from XXXX XXXX XXXX was a result of identity theft. This account was erroneously listed on my credit report, negatively impacting my creditworthiness. 

**Concerns and Violations : ** 1. **Repeated Removal and Re-Addition of Collections Account : ** - TransUnion removed the collections account twice between XX/XX/, and XX/XX/, only to add it back each time without proper explanation or notification. This erratic behavior raises serious concerns about the accuracy and stability of the credit reporting process. 

2. **Lack of Communication and Updates : ** - Despite my initial complaint filed three weeks ago, TransUnion has not provided adequate updates on the progress of the identity theft investigation. This lack of communication is in direct violation of the FCRA, which mandates credit reporting agencies to conduct reasonable investigations and inform consumers of the results. 

3. **Failure to Act on Identity Theft Report : ** - I submitted a comprehensive identity theft report along with my complaint. However, TransUnion has not demonstrated sufficient diligence in resolving the issue, as the account continues to be inaccurately reported. 

4. **Potential Violation of Privacy Act : ** - If TransUnion is indeed aware of the identity theft claim and fails to take appropriate action, it may be in violation of the Privacy Act by not adequately protecting my personal information. 

**Requested Action : ** I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against TransUnion for potential violations of the FCRA , erratic reporting practices, and failure to address identity theft claims promptly. 

Enclosed with this letter are copies of my identity theft report, previous communications with TransUnion, and any relevant documentation supporting my case. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these issues and ensure fair and accurate reporting practices. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

So, it's XXXX really bad events happens. 

I opened account in XXXX of XXXX  and I deposited XXXX checks to my new account. 

The first check was my payroll from my company. Check for {$5400.00}. 
The second check was my balance from previously closed account by XXXX ( {$10000.00} ). Both check was not cleared for more than 10 days. 

After that TD Bank closed my account and send me letter about closing. I showed up and requested to return my money from closed account. It took for them another month and they told me : XXXX. Check for {$5400.00} was claimed by XXXX ( which is not true - I was at chase next day and nobody claim the check, now XXXX is doing investigation ), XXXX. They gon na send my balance to my mail in 5 days. 

After 20 days of waiting- I have nothing in my mailbox. No checks, no letter. I have no access to my online account, I can not verify the balance. Customer support can not verify if check was sent to me or not. Bank is keeping silence. All my actions to talk to talk to branch manager- have no success. He is calling to someone and promising that check will be sent but nothing is going on. TD bank hold my money for 2 month already and I can do literally nothing.
Product: Credit card

I was preapproved for a credit card from Wells Fargo and when I applied they stated that I was denied! Well why did they say I was pre-approved. I mad an appointment and the woman that I was supposed to see didn't come to work that day/ I went into the Bank and no show for the Wells Fargo Customer Service Agent! According to what I know and saw the place had me go into the Branch and no one seemed to have the time to work with me. Customer Service has gone to the Trash!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Dispute and Request for Correction of Credit Report Dear XXXX XXXX XXXX XXXX I am writing to bring to your attention a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have identified several instances where the creditor [ Creditor Name ] has failed to comply with specific sections of the FCRA, namely 15 USC-1681 section 602, 15 USC-1681 section 604-A section 2, and 15 USC-1666-B.

As per 15 USC-1681 section 602, I believe [ Creditor Name ] has inaccurately reported information about my credit history to your agency. The information they provided is misleading and has negatively impacted my creditworthiness. I request that you investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies in my credit report.

Moreover, 15 USC-1681 section 604-A section 2 requires creditors to provide accurate and complete information to credit reporting agencies. I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX finance has failed to fulfill this obligation, thereby violating my rights as a consumer. I request that you review the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and ensure that it meets the necessary standards of accuracy and completeness. 

Additionally, 15 USC-1666-B grants me the right to dispute any inaccurate or incomplete information in my credit report. I hereby exercise this right and request that you initiate an investigation into the disputed items associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly ask that you provide me with a written response regarding the results of the investigation within the legally mandated timeframe. 

I have enclosed copies of relevant documentation, including proof of my attempts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I trust that you will handle this dispute promptly and diligently, as required by the FCRA. 

Please note that, in accordance with the FCRA, I also request that you place a temporary freeze on the disputed information during the investigation process. This will help ensure that my credit report is not further impacted by inaccurate or incomplete data. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or by phone at XXXX Sincerely, XXXX ; XXXX ( Truster )
Product: Credit card

My credit report shows a status of " Closed. {$1100.00} written off. '' from XXXX. I have disputed it with both XXXX and XXXX. XXXX came back with no update as a result. After spending almost an hour on the phone with Care Credit they told me that they had never received an dispute ( s ) and that they could n't update it this account because they sold it to XXXX and they would have to report it. I explained to them that they sold it, it 's not written off. They did get paid and they agreed but because it was sold off, they would n't update my credit report, that XXXX had to. XXXX is n't the one reporting the error of it being written off. XXXX conference called all of us on the phone and eventually hung up on us because Care Credit refuses to mark it as paid instead of written off. They keep saying they will not update it because it was sold to XXXX. I called XXXX and they are sending me that I paid them off in full, but they ca n't report for Care Credit. No one will help me to get this updated on my report. This mark is causing me to receive higher interest rates, ( 3 % ) higher on loans. When I did pay it off. Please help me, they sold it, got paid for it and still wo n't update.
Product: Payday loan, title loan, or personal loan

I have asked the company a number of times to stop reporting late payments which was false ; there was originally supposed to be a deferred payment, and payments were reported late. Then there was dispute of the account, the time during which no late payment was supposed to be reported. This account continues to be reported late, in violation of consumer protection laws, and the fair credit reporting act. This has went on since XX/XX/2021 to present,
Product: Checking or savings account

I opened my bank account with Citizens Bank around XX/XX/XXXX. I signed up using a promotional offer that made me eligible for {$450.00} bonus after successful direct deposits ( I have a screenshot of the offer ) I then finished my direct deposit requirement and called the bank around the end of XXXX. The agent verified that I have successfully completed the requirements for the bonus and I will receive it automatically in 90 days. 
I called the bank again around XXXX and they said bonus will post around XXXX end. 

When I finally called in XXXX they refused the bonus citing some bogus technical reasons. I have a screenshot of the offer with the link I used to open my account. 
Despite making repeated calls and even in-person visit to the branch they are just delaying the issue and have failed to provide any reasonable explanation for last 20 days. 

Here is my complaint number registered with citizens bank : XXXX Any help regarding this will be appreciated. 

Thanks
Product: Checking or savings account

I had an ongoing XXXX claim started late in XXXX. This claim began with my money being deposited in a XXXX  XXXX XXXX account with which I had no issue. However part way through the claim XXXX switched to Money Network. When I finally went to access this money several months later I found the account had been stolen and that someone had fraudulently claimed the account and drained it of all the money in it. I filed a dispute with Money Network where they reversed a small portion of the transactions, however the vast majority of of the money they claimed they could not reverse due to it being " digitally verified ''. After much back and forth of my calling them and mailing them over many months I find out this means that a password has been input by the account holder to authorize those transactions. However of course the fraudster in control of the account and who made it to begin with is able to " digitally verify '' their own transactions as they're the one in control of the account. I file an appeal with many network, spend several more weeks and months on and off the phone with them and they essentially tell me they won't reverse the transactions, still due to them being " digitally verified '' by the fraudster, which is patently absurd. So I have now effectively had XXXX $ stolen from me due to what was almost certainly a data breech on Money Network 's end ( as this is essentially the only way the fraudster could've obtained the card information since the card that was sent to me had never been activated or used ) and Money Network telling me they won't do anything about it nor will they explain themselves on why my dispute is insufficient.
Product: Credit card or prepaid card

I used the {$370.00} " Cash Rewards '' balance on my XXXX XXXX XXXX XXXX to pay my {$350.00} outstanding month-end balance. However, Citi requires you to also pay your " minimum payment due '' amount or your account is considered " past due ''. So, in my case, if I had not used the credit card during the month, I would have had a {$15.00} credit balance ( {$350.00} amount due less the {$270.00} credit )! Citi describes the reward as " cash '' and even includes the word " cash '' in the credit card 's name. Yet it does not qualify as " cash '' when you use it to pay off your balance! This is wrong and needs to change.
Product: Credit card or prepaid card

XX/XX/2020 I accidentally bover paid my credit card with BBVA Compass. Once realized I had over paid I called them. It was before the end of XXXX. Because I had doubled my payment, account was frozen and I had to speak to the fraud department. I was advised the hold would be removed & a check would be sent to me. 

XX/XX/XXXX called again, was advised overage check had not been requested. It would take up to 10 business days for me to receive the check. 

I've called every week since than. I advised BBVA no check. 

So today I was advised that at XXXX EST they would file an escalation for me. I tried to explain to various people, I've received mail today. It will do no good to wait for XXXX. I just my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX