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

Thank you for showing my bank statements. You still stole and embezzled money and did not handle claim professionally. You sent a hush check that illegal, so they did not appropriately return the money on an open claim with XXXX. You were charging the wrong owner ; there is a paperwork trail on that as well. No authorization claims fraud claim after closing my account due to some scamming of working positions which is docketed and police documented. During world emergencies, they refused to do their job and a claim. You closed out account with still having an open claim then sent me hush check silence me on the situations, refusing to look into the situations and procrastinating. You told me different issues the company having because of not having a chairman in position for the job. After XXXX  months, they kept the money and refused to return money stating they do not owe me anything then sent a hush check in XX/XX/year> as if nothing happened. Why did you send me a $ XXXX {$400.00} check? I am suing Citizens Bank for withholding money and refusing to return the money a timely manner or dealing with the situation professionally or at all. You refuse to speak on it and deal with that. I am very worried that this is fraudulently not following bank regulations. Then to harass and state I owe them money and not finish a claim, keep paying telephone and passing on to other people and then keeping the money even though they got the money from the claim. I have proof from the provider they kept money on claim never returned the money to me and then sent me a hush check which is attached to account. Please send bank statements of XXXX and the claim you dismissed. You never dealt with it. Please, you people are in huge trouble. This is 100 % not okay. send the documents that have requested.
Product: Credit card

I noted that no matter how much I paid to bring down my credit card balance, the cash advances listed kept increasing. I called Discover and asked to be able to pay off the cash advance balance, but was told they could not accept that because of their " payment protocol. '' I wrote a letter asking for a listing of all the cash advances and their dates. No response was received via mail, but did receive an email asking me to call their number. I called and upon inquiring on the cash advances, was told the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$100.00} plus fee, total of {$110.00}. All these cash advances total {$760.00}, but notwithstanding my higher than scheduled payments, I am currently listed as having a cash advance balance of {$1700.00} as of the XX/XX/XXXX statement, more than double the original cash advances. This is usurious in the extreme. The last payment I made to the credit card balance was {$1000.00}, but it did little to reduce the cash advances. I am quite willing to pay off the cash advance balance, but Discover will not accept my doing so, clearly because they make more money adding interest to the original balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report from XXXX, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. XXXX  told me to send a letter for they could not find said acct over the phone. 

XXXX also report an account from XXXX XXXX XXXX  XXXX acct XXXX. I want that account to be erase  from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX   from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. XXXX  did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.
Product: Mortgage

After losing my job of XXXX  years making XXXXk/yr I was able to maintain the payments for while with the pay out from my annual leave. When those funds depleted, I withdrew my retirement early and paid them {$24000.00} with little left over. COVID hit and it was really hard to find a job making enough to pay the mortgage each month. I filed hardship along with submitting MULTIPLE Loss Mitigation applications. All denied. So instead of lowering the monthly payment and letting me keep the home I worked so hard to get in the first place, they have decided to foreclose on my home. Im trying to work with XXXX to stop the foreclosure but they needed to get started on that process at least 37 days before the sale date. They are still going to try but feel certain they will not have enough time. I called Rushmore to give them verbal authorization to speak with XXXX. When XXXX called them, they blatantly lied and said I had not called to give them authorization. I had to call back and let them know I DID call and to please note that on my account immediately. Rushmore Loan Management sent me letter DATED XX/XX/2022 to let me know the sale date is XX/XX/2022. Ultimately making it impossible for me to try to get the foreclosure stopped unless I file for Bankruptcy because thats obviously less than 37 days. That is unfair considering losing my job due to budget cuts then not being able to find gainful employment because of the impact COVID has had on everyone. Not to mention, Im on multiple medications for XXXX, XXXX XXXX XXXX, XXXX and XXXX I tried filing for XXXX but was denied because I wasnt having XXXX often enough. I was told by the attorney that if I was having at least 2 to 3 XXXX a WEEK, then they might would consider it. So in other words I would have to go off my medications and risk having a fatal XXXX to be eligible for XXXX?!?!?! I have a good job now as a XXXX XXXX and I love it! I really want to keep my home. What Rushmore is doing is unethical, potentially illegal, and unconstitutional. When I was working at the job I had had for 17 years, I NEVER missed a payment. Its disheartening to believe they cant do SOMETHING.
Product: Checking or savings account

10 or more years ago, ( Unsure about the exact date ) I had asked Wells Fargo to put a stop payment on an ACH payment of {$50.00} to XXXX  card services or XXXX XXXX I don't remember which it was for. Back then there wasn't any real confirmation ( Email or paper receipt ). Nor was there any real explanation and/or expectations set. For instance : " XXXX this will IMPACT every {$50.00} payment you make forever '' YEARS and YEARS later and unbeknownst to me this would impact and cause me financial harm. 

Flash forward to the present. Twice I've made two {$50.00} payments on my XXXX card and both payments have been returned by Wells Fargo. Despite there being sufficient funds in my account to cover the payment. I use my XXXX card frequently to get the miles like many. I remember calling Wells Fargo Bank about this in XXXX this year. Right after i was laid off by Wells Fargo after 15 years of employment. I was tossed to the side and to add insult to injury Wells Fargo is messing with my money and the credit i have with XXXX. IT makes me look really bad to XXXX, not one NSF charge but TWO. When i called Wells Fargo about it back in XXXX which i believe was attributed to a returned payment for {$50.00} also on my XXXX card. I spoke to someone, but no complaint was filed. I thought for sure there would be follow up after being trained & tested annually on knowing complaints and taking them seriously. Since XXXX I forgot about this ongoing problem that only pops up if I make a {$50.00} payment. Both XXXX & XX/XX/year> i was assessed two {$50.00} NSF fees by XXXX. I called XXXX and they said you need to call Wells Fargo it's their fault we will not waive the fee. Then when I call Wells Fargo, they say its XXXXXXXX XXXX fault and it's my fault because of the stop payment from XXXX plus years ago. As of this week I was able to finally get the {$50.00} ach stop removed from my account. I'm submitting a complain b/c the last person i spoke to WF indicated they don't reimburse for fees imposed by third parties. 

So now were at a fork in the road. Who's going to pay the {$100.00} in fees for me? I can not afford to do it. Wells Fargo I gave you 15 years of my youth and my life. Please fix this problem with XXXX. 

Please note this inconvenience caused a XXXX card I opened earlier in the year to be closed by the merchant. After two returned payments all attributed to this same problem. XXXX XXXX XXXX XXXX  ) closed my account. I got a letter about it and was ticked but failed to realize at that time what the real issue was and it wasn't yet over.
Product: Credit reporting or other personal consumer reports

2 collections on my credit report both third party collection both reporting open and past due by collection agencys
Product: Money transfer, virtual currency, or money service

I have recently been a victim of a scam. Someone posed as a police officer calling from the XXXX police department number told me that my identity has been stolen and used for a slew of illegal activities, including money laundering, drug trafficking, etc. He then transferred me to someone who posed as an FBI agent who told me I need to transfer my money out to another agent so they can sort through the fake accounts that have been opened under my name. The fake agent gave me account numbers and names of the other fake agents to wire the money to. Not knowing this is a scam, I made two transfers out from two accounts to two US Bank accounts. The first one is from XXXX to a US Bank account on XX/XX/XXXX at XXXX XXXX EST for {$12000.00} and the second one is from XXXX to another US Bank account on XX/XX/XXXX at approximately XXXX EST for {$15000.00}. After realizing this is a scam, as an attempt to salvage this, I asked my respective banks to start wire recall procedures, filed a police report, and have also reached out to the customer service reps at US Bank on XX/XX/XXXX around XXXX XXXX to report these accounts as fraudulent, providing the account numbers of the fraudsters. The customer service reps at US Bank was sympathetic and tried to flag the accounts and raise the issue to her manager, but there is not much that she can do. Today ( XX/XX/XXXX ), XXXX has told me that their wire recall has failed as the fraudsters have rejected the claim to return the {$12000.00}. 

This is a big chunk of my life savings and I am deeply distraught by what has happened. As a bank employee, I understand how important security is at a financial institution and am deeply disappointed that US Bank did not perform the necessary due diligence on these account owners, leading to fraudulent attempts and drastic financial consequences. The fact that both of these accounts are from the same branch of US Bank is indicative of US bank not only enabling but encouraging fraudsters to transfer their scams through an apathetic institution. Given the recent scrutiny around XXXX, Im disappointed that US Bank clearly has a culture of indifference that shows that they dont have the customers best interest at heart.
Product: Credit reporting or other personal consumer reports

I have told this company to freeze my credit account and to notify all XXXX  credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXX XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my credit account XXXX, which has been reported as a " charge off '' by Bank of America XXXX According to my credit reports, the account was closed and charged off. 

Under federal law, if a creditor cancels or forgives a debt that exceeds {$600.00}, they are required to issue a 1099-C ( Cancellation of Debt ) form to both the consumer and the IRS, reporting the amount of debt canceled. I have not received this form, and the creditor has not properly informed me about the cancellation of the debt.

The key points of my complaint are as follows : Failure to Issue 1099-C : Under the applicable law, I am entitled to receive a 1099-C if my debt has been canceled. The creditor has reported this account as " charge off, '' but has not issued the 1099-C, which may suggest that the debt remains active or has not been reported correctly to tax authorities. 

Negative Impact on Credit Report : Despite the account being marked as charged off, the creditor continues to report the debt as active, or has not provided clear information about its status. This is adversely affecting my credit score and making it difficult to resolve the debt.

Lack of Communication from Creditor : I have
attempted several times to contact the creditor to clarify the issuance of the 1099-C and the status of the account. However, I have not received clear or timely responses, resulting in confusion and delays in resolving this matter. 

Bank of America Account XXXX Charge Off Amount : {$4800.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company 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 BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I recently found an inquiry from Toyota dealership that ran my credit! I verbally asked them not to run my credit because of the fact that I did not want a hard inquiry and obviously have my points go down! Nevertheless they went ahead without my permission and still ran my credit without my permission
Product: Credit card or prepaid card

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/ - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court,XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX   ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX our credit card was stolen. We canceled the card with US Bank Visa. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went XXXX XXXX and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the XXXX XXXX report verifies that fact. I'm very upset at the the system and I have cut up my credit card with US bank. I need our help to correct this injustice. Thanks you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT XXXX XXXX  WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM XXXX XXXX CREDIT CARD AND EXPERIAN STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE XXXX XXXX CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.
Product: Mortgage

5th compliant on my mortgage company. Well finally got my escrow and monthly payment corrected which is good. But they have found another way to affect me. They are doing updated every month to the credit bureau stating I am past due 30,60,90 then couple days later update it saying I am current. I am not past due and have not been past due on my mortgage. I get a credit alert from my credit card company for any changes that happen on my credit file. I am uploaded the information for you to see what they are doing. I work my XXXX off to get my credit back on track during my bankruptcy. In XXXX my credit score was XXXX as of XXXX it is now XXXX. They know my bankruptcy is being discharged this month and I have said in all of my previous compliant I want to get away from them when it is done. So now they are affecting my credit score where as I can struck with them forever. Every month since XXXX they have been reporting wrong information on my credit file. I am at wits end with this company.