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

Hello. My name is XXXX XXXX XXXX. On XXXX/XXXX/XXXX I went to Regions Bank on XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I intended to transfer {$10000.00} of my EE savings bonds to my savings/money market account so as to avoid having to pay taxes. However, the banker XXXX XXXX said that he could cash in all of my savings bonds without incurring any tax penalties. As a result of his advise, I ended up going ahead and cashing in all of my {$100000.00} worth of savings bonds since he said that it would be tax free and they could go into a tax deferred account with no tax penalty. Unfortunately, I feel that he took advantage of me and tried to make sure he could get all of my deposits even though it was not in my best interest. He cashed in all XXXX of my savings bonds and put them into a non-tax deferred account so he could make sure that he got credit for all of my deposits. I am now faced with paying taxes on the full amount because of his greed and lack of morals. I originally wanted to only deposit XXXX, but he talked me into doing all of may savings bonds even though it was not in my best interest. I am a widow with a very limited amount of income and savings. I want them to make up the amount of the taxes that I will have to pay due to their greed and unethical behavior. They are trying to say that they did n't do anything wrong, but what really happened is that after I asked to just cash in XXXX, he talked me into cashing in everything. The bank even tried to set me up with an accountant after they realized the mistake that they made, but the accountant confirmed that they had made a big mistake by making me cash in all of the bonds. Since they are not admitting any blame, they refuse to do anything to help me with the severe tax penalties from cashing in so much at once. They should not be allowed to get away with taking advantage of old ladies like me with not having any penalties. They are being predatory and taking advantage of me, and no one seems to care how much they cost me in tax penalties. I think they are going to tax me about XXXX when all of that could have been avoided if they did the right thing. I even questioned XXXX multiple times about the taxes, and he assured me everything was fine. He lied to me and took advantage of me. I ca n't afford to be ripped off by people like him, as I have no opportunity to replenish my savings at this age. Please help me hold them accountable, as they are lying and not taking responsibility for their actions.
Product: Bank account or service

On XXXX XXXX, 2016 the collection specialist for Wells Fargo bank by the name of XXXX XXXX contacted me in relation to settling and discharging a debt. I emailed XXXX XXXX a copy of a XXXX XXXX dollar bond that I have on file with XXXX and XXXX XXXX finance statement that I have on file with the court. The bond gives me the legal right to set off debt pursuant to IRS XXXX form and the financial accounting standards board law. The bond was accepted on XXXX XXXX, 2016 by the XXXX and was sent by registered mail with return receipt. The XXXX never disputed the bond for the purpose of discharging debts. XXXX XXXX was extremely rude and obnoxious over the phone and made false accusations stating that my bond was erroneous. XXXX XXXX is not in a position to make a determination if the bond is erroneous because he is not a lawyer or judge. In closing, XXXX XXXX refused to fully allow me to explain the purpose of the bond and he hung the phone up on me. XXXX XXXX XXXX phone number is XXXX. XXXX XXXX should not be working at Wells Fargo Bank because he is disrespectful and has a hostile personality trait. Bank representatives are suppose to treat there clients with the upmost respect regardless of their disagreements with customers.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ).

It is my understanding that you will investigate these items for me to ensure accuracy.Here are the items I am asking you to verify as accurate : All accounts are on XXXX, TRANSUNION, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/XXXX I changed my credit card product with Banco Popular Puerto Rico to upgrade the XXXX XXXX to XXXX. With this product change the annual fee would increase from {$40.00} to {$99.00} as additional benefits were being introduced including but not limited to free first bag. 

My first trip with the XXXX was on XX/XX/XXXXXXXX XXXX  and had to pay the bag for the roundtrip. Upon inquiry to XXXX, I found out the Bank hadn't notify the airline of the product change and they needed the Bank to update the information. On XX/XX/XXXX, I contacted the Bank with the information provided by XXXX to look into it and request the bag fee that I had to pay even though the product includes the bag fee waiver. 

On XX/XX/XXXXXXXX XXXX I had to fly again and pay for the bags as the investigation was ongoing. 

By XX/XX/XXXX, I visited the XXXX XXXX to open a new claim for the roundtrip bags, submit travel and invoice evidence and follow up on the product update communication to XXXX. The response provided by the call agent was to show my credit card at the counter so that the XXXX agent will waive the bag fee. I communicated the bank call agent that this was an unfair and abusive treatment as my adult daughters have the same product and can purchase their bags through booking or check-in without any fees, and because I'm a XXXX XXXXXXXX XXXX XXXX woman I was being treated different. 

In XX/XX/XXXX, I received a call from the Bank that they had completed investigations and will make me whole for the {$140.00}. To date, the Bank only credited {$70.00} to the account. 

On the numerous times that I've called the Bank to follow up on the product update they have treated me unfairly. I contracted a product with the same terms and co ditions as my daughters but can't enjoy the benefits because the Bank in almost 7 months of having contracted the product has not provided XXXX the necessary information to access my benefits. 

Today, XX/XX/XXXXXXXX XXXX  I've opened up yet another claim to have the issue investigated and the remaining {$70.00} from bag fees credited. Note that to this date I've been paying interest on contracted benefits.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system XXXX have found. 




Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX Acct XXXX : XXXX - Amount : {$200.00} Incorrect Addresses to be Corrected IMMEDIATELY : FROM : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed and/or corrected, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

On XX/XX/2016 I filed a complaint about fraudulent loan modification practices by Nationstar Mortgage LLC ( Nationstar ). I was told on by XXXX a manager to rerequest a Loan Modification on XX/XX/2016. I spoke to XXXX on XX/XX/XXXX. XXXX emailed me the paperwork, I faxed them to Nationstar on XX/XX/2016. I emailed bankstatments on XXXX/XXXX/2016. I was told to call and check on the process within 48 hours. A weekend elapsed so I called on XX/XX/XXXX. I reached XXXX who laughed at me and told me I could reapply all I wanted, I would never be given another Loan Modification because I failed the first trial. The first loan Modification they added an extra payment on without notifying me and cancelled without notifying me. Additionally, they sent paperwork that I did n't sign informing me that not making exact payments could ( not would which is a legal term ) result in the possible cancellation of the modification. Additionally, XXXX laughed and said I could n't get a loan modification because my XXXX loan is a Home Equity loan. It was the same type of loan when I was granted a loan modification in the first place. He emailed me a copy of the loan - laughing at me. I know that if a mortgage company does not have the original loan they can not repossess a house. This company planned to repossess this house. Had I not made a trip to XXXX XX/XX/XXXX and borrowed money from family and friends they would have been well on their way to evicting me. This is the slimiest example of fraud and attempt to repossess a home I have ever seen. They knew I did not have the resources to pay back the money on my own. If I did n't have rich family and friends I would be out of the streets with a surprise eviction notice. I am disgusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX XXXX  Balance : {$380.00} ; XXXX XXXX Balance : {$360.00}
Product: Credit card or prepaid card

XX/XX/23 To : Chase Bank, Claims Dept. 
Tel : XXXX Fax : XXXX From : XXXX. XXXX, ( XXXX ) XXXX XXXX : ( 1 ) Consumer Financial Protection Bureau XXXX and ( 2 ) F.T.C. ( Report No. XXXX ) RE : XXXX XXXX XXXX XXXXXXXX RETURNED MERCHANDISE = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  RE : XX/XX/ - {$21.00} Claim Reversal This is an appeal of the claim reversal on XX/XX/. You are in violation of federal law and the Fair Credit Billing Act, and Chase will be sued for {$250000.00}, if this claim is not immediately reopened and handled in good faith and pursuant to law. 

Moments ago, I spoke to a rude woman on your telephone line, named XXXX. XXXX lied and said this was a travel cancellation and the charge was valid, because I didnt follow the travel policy. THAT IS A BLATANT LIE. This is returned merchandise, and has nothing to do with travel, or any cancellation. 

XXXX then lied, and said Chase contacted XXXX. XXXX said that didnt happen. 

XXXX then lied, and said Chase was never sent proof of return. Thats a lie, I attached it to my original claim. I have been on hold with XXXX 3 times, for nearly 40 minutes each time, and EACH TIME XXXX confirmed that they received the returned item ( which was never opened and never used! ) XXXX continued to lie, and stated XXXX disputed my claim, and provided a response on XX/XX/XXXX XXXX denies this. Notably, XXXX illegally refused to provide me a copy of this purported response from XXXX. I demanded a copy, over six times. 

Proof of XXXX receiving the return is attached, and XXXX email confirming a {$21.00} credit, is attached. Chase Bank is lying and committing fraud. 

ATTACHED : 5 Pages
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I received ONE free yearly credit report via Transunion website. The page automatically refreshed, which required me to purchase a ONE TIME credit report for {$9.00}. After careful inspection, and agreeing to a ONE TIME charge of {$9.00}, I agree and went through with the purchase. 

One month later, I received an unauthorized {$19.00} fee for their subscription service that I, in no way, shape, or form, agreed to or signed up for. I attempted to cancel my subscription, but they do not have any way to cancel the charges on their website : https : //membership.tui.transunion.com The {$19.00} fee incurred between paychecks, causing an account overdraft with XXXX XXXX  , which incurred a {$35.00} overdraft fee.
Product: Student loan

I am experiencing exceptional wait times to get the most basic things done. I am requesting a mailed copy of a form they filled out. I called in earlier this morning and got through after 4.5 hours. I asked the costumer support person to please call me back if we get disconnected as I had been waiting for 4.5hours. She said she could not do that. She began to help me and boom disconnected. I was so dejected. I did not receive a call back from being disconnected. I called back in. I have now been waiting for over 5 hours on my second call through. I am afraid that its getting close to closing time and wont be helped. They need to hire more people. This is unacceptable. Please do something about this company. You basically have to take a day off to get anything done.
Product: Debt collection

I was contacted in XX/XX/XXXX by a company that had an unknown number, telling me I have a bill from XX/XX/XXXX from XXXX ( spelling? ) I asked what the bill was about and to send me back up documentation. I still have not received it. They had my email address and I told them to send to my email address. I would not give them my mailing address. I contacted XXXX and they have been sold, I went thru 3 hours of people trying to find my account and the final lady told me well good luck, those people do not care what they do and they will put it on your credit. 

I called back to Southwest Credit Systems and they refused to let me talk to anyone in corporate or anyone that could send me a copy of the bill. 

They just put it on my credit this morning, I called them immediately and the call was recorded and the lady refused to say any more after I told her I never lived at that address and gave her my address in XX/XX/XXXX and the internet company I had. 

I am purchasing a home for my XXXX year mother and I and it has killed the deal most likely. I do not know owe this bill. How you can let people do this people I just do not understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today to file a final dispute regarding several unauthorized inquiries and unverified collection accounts that have been reported on my credit file. I have previously disputed these items, but they have not been removed despite my efforts. 

The items in question are as follows : XXXX XXXX XXXX Case Number : XXXX To the best of my knowledge, this does not belong to me. I have repeatedly asked for it to be removed from my credit file, but it remains. This has caused significant stress and anxiety in my life, as it has prevented me from obtaining credit when I have needed it most. 

UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXXXXXX Date of inquiry : XXXX/XXXX/2021 These inquiries have also caused me significant distress, as I have not authorized these companies to pull my credit report. This has caused me to feel violated and powerless, and has impacted my ability to obtain credit when I have needed it. 

I would like to share a personal story of how these issues have affected my life. Due to these negative items on my credit report, I was denied a loan when I needed it to cover unexpected medical expenses for my child. This was a devastating blow, as my child 's health was at stake, and I was unable to obtain the funds needed to cover the medical costs. I felt helpless and alone, as I did not have any other means of covering these expenses. 

This experience has left me with significant emotional trauma, as I have felt the weight of financial hardship and its impact on my family 's well-being. It has caused me to question whether I will ever be able to regain financial stability, and has left me feeling hopeless. 

Therefore, I ask that you enforce the legal rights that protect me as a consumer, and that you require the creditor to remove these unverified collection accounts from my credit report. I am confident that with your assistance, I will be able to regain control over my financial situation and move forward with my life. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

this account is PAID and CLOSED therefore AFFIRM XXXX n't be reporting or shown as POTENTIALLY NEGATIVE in RED. PLease delete the RED POTENTIALLY NEGATIVE..

Account info Account name XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$1700.00} Highest balance - Terms 12 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met XXXX Past due 30 days XXXX Closed Payment history guide 30 days past due as of XX/XX/XXXX Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$1700.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

I would like to bring to your attention the following instances where I have reported fraudulent items : Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX  XXXX/2020 XXXX XXXX XXXX XXXX, AZ XXXX.