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

I had complaint revolved with XXXX XXXX. The amount of XXXX was zeroed out and now the XXXX is showing as a collection on my credit report in the amount of XXXX. The other two credit bureaus deleted the information from credit history, because they were not able to confirm the information from XXXX. I have attached the documents showing that XXXX and TXXXX The resolution with XXXX through the BBB is attached and the highlighted portion shows the arrangement.
Product: Payday loan, title loan, or personal loan

Car was purchased for XXXX and prior to payment on XX/XX/2017 for title and registration payment modern finance begans to be an aggressive assignee
Product: Checking or savings account

On XXXX XXXX I was approved for an apartment in XXXX The pictures of the apartment listed on the internet were not the same as the unit that Id signed for. I drove from XXXX to XXXX XXXX and signed the lease upon arrival XXXX XXXX. I paid for first months rent and deposit as well as an additional month of rent. I wanted to pay the rent up so I could just be ahead of things. I didnt expect that once I got to my unit, it would be infested with roaches, dirty and not what was advertised! That night as I unpacked to shower, my friend at the time and I ( my toddler was with me as well ) were attacked by a male that was on bad drugs.. we slept inside of my rental that night up until XXXX I waited for the rental office to open up to let them know I wouldnt be staying there and to grab my refund. After speaking to the property manager XXXX XXXX, she finally agreed to refund me. She said that she would mail me my refund but I didnt have a place to stay at the moment so I had to wait until I arrived back to XXXX to have it sent to my friends residence. The check was initially supposed to be {$2700.00}. 

I received a letter in the mail from XXXX with the incorrect refund amount listed as what was owed. It was basically written document to show what she would pay to me. I emailed her again to get the update on where my money was at because she instructed me that it would be expedited overnight! That was a lie. This was XX/XX/XXXX XXXX. XX/XX/XXXX she responded with a message saying it was issued on the XXXX XXXX. Check # XXXX Amount {$2700.00} I never received this check! I never deposited this check with chime. I never cashed this check. CHIME is where I handled all of my money. 

On XXXX XXXX Chime sent me an email saying that the provisional credit would be taken from me. This led my account to be in the negatives to where I couldnt pay my car note, I couldnt feed myself nor my daughter. My car is repoed! Ive emailed them since this date with proof of me moving out on the XXXX XXXX  XXXX and the emails between me and XXXX XXXX concerning my refund! I keep getting an email stating it takes 30 days to reinvestigate the matter. Its been over 30 days still no update and my money was stolen from me! I feel this is inhumane and unethical. Thats literally my hard earned money. 

As I open the chime app, theres not an active investigation going on either to check the disputes or reopened disputes.. but yet Ive received numerous emails saying that my case will be forwarded to the dispute team XXXX. 

I am extremely frustrated because I literally dont have a car anymore due to this discrepancy. Thats my money and the dragging feet to resolve it is frustrating. This con artist was able to take my money and I dont like how chime has handled it. This is not the first time my money has been snatched from me due to CHIMEs way of doing business.. I am now speaking up because almost {$3000.00} in the negatives is INSANE! When that is my MONEY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Equifax on day XX/XX/scrub>XXXX  asking them to reinvestigate these accounts : XXXX XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Checking or savings account

Enticed by their XXXXXXXX Tiered Bonus offer I opened a checking account with Citibank on XX/XX/XXXX within the bonus offer window of XX/XX/XXXX through XX/XX/XXXX. 

( While I once believed I qualified for a {$700.00} bonus, after reviewing the dates and the fine print parameters of the offer, I concede I only qualify for the {$400.00} bonus. These dates and documents confirm that. ) To qualify for the {$400.00} bonus, I deposited an amount that exceeded the required {$15000.00} by the XXXX day of the account being opened, XX/XX/XXXX. 

The account balance exceeded the maintenance requirements ; balance did not fall below {$15000.00} for the minimum XXXX calendar days. The required maintenance period ended on XX/XX/XXXX. 

In XXXX I called Citibank on to verify that I was on scheduled and qualified to recieve the bonus ( I don't recall if it was confirmed to be a {$700.00} or {$400.00} bonus. ) I was told I would qualify if the balance remained through XX/XX/XXXX. 

According to the agreed terms and conditions I should have received my {$400.00} bonus by XX/XX/XXXX. 

I contacted Citibank multiple times after XX/XX/XXXX when I realized I had not recieved the promised bonus. Although not my first attempt, I have recorded that I contacted Citibank on XX/XX/XXXX. I was told I would receive a response within 3-5 business days, case # XXXX. I reached out again after the 5 business days and was told again that I would receive a response within 3-5 business days. Another attempt after another 5 business days I was told that I would have a response in 15 business days from my initial complaint. 

On XX/XX/XXXX, I received a document from Citibank denying my claim to the bonus and they requested I provide documentation by fax to prove that I am owed the bonus. Since they already have all the documentation in their own system I decided to file this complaint.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX 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: Mortgage

Urgent Matter Regarding Equity Line of Credit and Foreclosure To Whom It May Concern, I am writing to address a matter of utmost importance regarding my equity line of credit. For nearly a year now, I have been diligently attempting to dispute the balance associated with this credit line. Unfortunately, my efforts have been met with significant challenges. 
Firstly, the passing of my husband has added emotional weight to this process. As I grapple with grief, I am also trying to organize my affairs and ensure that I am properly informed about my financial responsibilities. 
During this prolonged period, I have actively engaged with a housing counselor in an attempt to find resolution. Regrettably, despite our best efforts, we have received no substantive answers from the relevant parties. The lack of communication has only exacerbated my concerns. 
To my dismay, I recently learned that foreclosure proceedings have been initiated. This development is deeply distressing, as it threatens my home and financial stability. I understand that the situation has reached a critical juncture, and I implore you to provide clarity and guidance promptly. 
I kindly request a formal review of my case, transparent communication, and a fair assessment of my circumstances. It is my sincere hope that we can find a resolution that avoids the dire consequences of foreclosure. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a wire transfer of {$6000.00} from my Wells Fargo checking account to my XXXX brokerage account. I was charged {$25.00} fee for this transaction. The same day my transfer returned to me {$5900.00}. When I asked XXXX why the transfer returned back to me, they said it's because my transfer didn't include an XXXX section with my brokerage account number. They needed a " final credit to '' or " for the benefit of '' in order to place the money under my account. However, Wells Fargo never asks for that information for wire transfers. The " account number '' they ask for is the account number of XXXX, which I correctly inputted. So the wire transfer process is faulty to begin with. 
Furthermore, I asked both parties about what happened to the {$50.00}. XXXX said they don't ever charge for transactions so I should talk to Wells Fargo. Wells Fargo said the discrepancy is due to the other bank. Both sides are putting the blame on each other so it looks like my {$50.00} just disappeared. 
This has happened to me before with Wells Fargo. On XX/XX/year>, a wire transfer returned to me {$20.00} less. This return was due to my mistake, but I still don't understand why it didn't return fully. For this transaction I was charged a separate {$25.00} as well, so the {$20.00} is not related to the wire transfer fee.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and notice that you have provided transactions on my consumer report that is excluded by law under FCRA 15 U.S.C. 1681a 2Ai. 15 U.S.C. 1666b. 
XXXX XXXX never sent the periodic return along with the Section 1637 ( b ) disclosures. 
XXXX XXXX never submitted the periodic return along with the Section 1637 ( b ) disclosures.

I have requested proof that this information was submitted or delivered 21 days prior to the payment due date and this information was requested in good faith pursuant to Rule 1002 and was never provided. 15 U.S.C. 1666B and its requirements set the standards and guidance for a creditor to treat a late payment, but they are reporting a late payment and did not comply with the law. 
This is unfair, illegal, fraudulent, and unfair to me as a consumer! I have never been behind on this Capital One account # XXXX I ask that you do an investigation and provide statements of these payments and if you can not verify the information then I demand that they be updated as timely payments, as they seriously affect my ability to obtain credit.
Product: Mortgage

My name is XXXX XXXX, I along with my husband owned a home at XXXX XXXX XXXX in XXXX NJ XXXX. In XXXX of XXXX, we decided to refinance our home because the interest was high. We saw an ad on TV for XXXX. I called XXXX and Spoke to XXXX XXXX. he took our application over the phone, checked credit and asked for several documents to qualify us for the refinance. The refinance took about 3 months to be approved. We were offered a lower interest rate, a payment and we wanted cash out to pay off some high interest credit card bills and the balance was for my husband to purchase equipment for his new construction business.. We finally closed the loan on XXXX/XXXX/XXXX. The closing took about XXXX minutes. The closer just gave us document after document not allowing us to take time to read through anything. I asked her questions and she told me to call the Broker. Shortly after the closing she took all the documents with her, and left us with the HUD 1. She told us that we would get a complete package in the mail. I looked over the HUD - 1. To my surprise it was not what I expected, not the program we were offered. So I called XXXX the next day XXXX/XXXX/XXXX and asked why the closing fees were {$30000.00} and why the interest rate was different than what we were offered. He did n't have an answer for me. XXXX and I decided we did not want to move forward with the loan and asked XXXX if we can rescind. XXXX told us to write a letter, fax it to him and mail it to WMC mortgage. I faxed XXXX on XXXX/XXXX/XXXX and mailed the letter to WMC mortgage on XXXX/XXXX/XXXX. XXXX confirmed receiving the letter and also confirmed he will notify WMC mortgage. To my surprise XXXX calls me XXXX weeks later and tells me that the loan was not rescinded, apparently WMC had already funded the loan. Stymied by this news and concerned now that we had to pay this high mortgage of {$4600.00} per month, we had no options, so we started making our payments. WMC closing costs were over {$30000.00}, which was ridiculous. We did n't realize until a few years ago that this loan was a predatory loan. WMC was shutdown XXXX was shut down and soon my loan entered the hands of a XXXX Investor, who eventually committed mortgage fraud lied to the courts and evicted me and my family from my home in XXXX of XXXX. WMC is the first to blame for their deceptive sales practices. IF they had rescinded the loan as they should have I would still be in my home. The Broker disclosure form that we signed at the closer clearly states the broker will not be paid more than 2 %, yet I was charged 3 % {$17000.00} this absurd per the HUD. This is loan fraud. This was deceptive sales practices. This was abusive lending to the consumer. WMC defrauded my family and they should be held full liable for it. I have attached some of the closing documents to this complaint. I would like to be compensated for all my closing costs and in addition for the 4 years of pain and suffering. This was a predatory loan. It was a bait and switch scam as some may call it.
Product: Credit reporting or other personal consumer reports

Please contact XXXX and Transition in reference to student loans on my credit report. After submitting a dispute and several phone calls since XXXXXXXX XXXX XXXX both reports remain incorrect. I request that the student loans are removed based on the PLSF program. I would also like am updated copy of my reports from both agencies.
Product: Debt collection

I was experiencing severe financial hardships, and I fell past due in paying my HOA dues. I was current and paid the HOA fees on time from XX/XX/XXXX up until XX/XX/XXXX is when I fell behind. I paid on time quarterly for six years. I was in and out the hospital in both XXXX and XXXX and became consumed with doctor bills which caused me to fall behind on payments. As of XX/XX/XXXX my balance was {$560.00}. As of XX/XX/XXXX my balance jumped from {$560.00} to {$1500.00}. I am not sure how the balance nearly tripled in a matter of three months. If I couldn't afford {$560.00} how can I afford {$1500.00}. They are charging late fees and legal fees which I don't believe are legal. I made payment arrangements, however I could not afford the payment plan. I contacted them today and my balance has increased from {$1500.00} to {$2000.00} which is ridiculous. I was prepared to pay the amount I owe but I can not afford the illegal excessive late, collection, and legal fees. Again I am willing to pay but please let me know the amount I owe. In addition I am an employee at the CFPB and I will be escalating this to our Enforcement division because I know this is illegal. I was told I was charged {$1000.00} in attorney fees which is the cost to prepare documents. It is no way it is legal to charge a consumer almost {$1100.00} to type and mail in documents. Furthermore I don't even believe this is a law firm this a collection agency posing as a law firm. I will also be filing a complaint through the Congressional office. Again I am ready and willing to pay what I owe but I will not be paying the illegal fees you all are adding to the balance.
Product: Credit card

Alleged outstanding balance paid online using online web pay ( Lowes.com ). Found out about alleged outstanding balance while applying for a mortgage. The alleged amount was paid. In an attempt to not prevent mortgage processing delay, sent an additional sum in the amount if {$470.00} ( with an additional {$100.00} to ensure account finalized ). No efforts on the part of the creditor ( Synchrony ) to investigate the account - they just presented {$570.00} in funds sent to them without investigating anything. I am XXXX military and had not heard ANYTHING at all from this bank despite having other accounts open with them ( to include up to date contact details ). Syncrhony have destroyed my credit for not fault of my own and have prevented me in obtaining a critical mortgage - due to their inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your previous solution to our complaint was to completely wipe my wife 's credit profile?!?! So now you are going to report that my wife has no credit history, when she's had previous credit cards, previous completely paid off car payments, a house payment that has never been late, etc. How can a company be this incompetent? Just pick up the phone and call us. Pick up the phone and call XXXX  or XXXX and get the right information. This isn't hard. 

As we contemplate our next legal steps and pursue legal counsel, we'd like to get this resolved as soon as possible to not have to go down that road. This issue has cause my XXXX  wife tremendous stress and is bound to delay our refinance, in which we stand to save over {$200.00} a month.
Product: Checking or savings account

On XX/XX/XXXX, I received a deposited check into my checking account for the amount of {$14000.00}. This deposit was made by a known friend of mine and cleared the bank. On XX/XX/XXXX, my account showed the new deposit was available. 
Beginning XX/XX/XXXX, I began using a portion of the deposited funds to make purchases and payments. On XX/XX/XXXX I noticed that my debit card for the account was no longer working. I tried to access my account online and was not able to log in. I first got in touch with a customer service representative at SunTrust Bank " Now Truist '' on XX/XX/XXXX. They informed me that all 3 of my personal checking accounts were frozen and being investigated by their prevention & loss fraud team. 
As of that date, I was told that they would be looking into the matter for 5 business days and would determine after this point if they were closing the accounts. They informed me that the investigation could last 5 business days, the closing of the accounts would be 10 business days and that I would ultimately receive my funds, if they owed me any, at 7 to 10 business days after the first two processes were complete. 

It has been 17 days since this began and I have still not been given a specific reason as to why this is happening. I have spoken with countless customer service representatives at SunTrust Bank and they all tell me that it is being investigated by their internal fraud department. I have also spoken with the Branch Manager, XXXX XXXX, at the XXXX, GA location. ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) She has attempted to escalate this up with no solution. 

I have been a customer of Suntrust myself for almost 10 years and one of the accounts has been in our family since XXXX. I understand that they say this is their policy and can freeze accounts without warning, but I have yet to see any letter informing me of this. I have been given no answers specifically to what caused the freeze. I can only assume it is the check that was deposited on XX/XX/XXXX. I have also had the endorser of the check and their bank confirm that it cleared. 

I have searched online and this seems to be common practice from SunTrust Bank and it is an unfair practice to not give any information to the customer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$500.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$150.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$14.00} XX/XX/XXXX XXXX XX/XX/XXXX {$390.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$470.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XX/XX/XXXX reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect