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

I tried opening a bank Account back on XXXX XXXX, XXXX with XXXX XXXX. However, when they pulled my consumer report, it showed up that I have had 2 prior bank accounts with BB & T from XXXX XXXX & XXXX XXXX XXXX within a month or so of one another which these accounts were BOTH OPENED ONLINE FRAUDULENTLY!! 

I contacted both banks, personally, once receiving a letter in the mail regarding a check in the amount of {$6000.00} plus dollars, was attempted to be deposited into the account via the web or app picture submittal on the newly opened bank account. This check came back as a Fradulent check & was returned! 
I HAD ABSOLUTELY NO IDEA UNTIL RECEIVING A NOTICE BY MAIL OF THE ACCOUNT EVEN BEING OPENED!! 
Not even a month or 2 later, they opened another account online with XXXX XXXX XXXX Exact SAME WAY, online. Attempted to deposit EXACTLY THE SAME CHECK VIA THE APP ONCE AGAIN. JUST THREW A NEW BANK ACCOUNT THRY OPENED ONLINE WITH A NEW FINANCIAL INSTITUTE!! 
Once again I received a notice by mail of the RETURNED FRADULENT CHECK which was written off a bank account from Over seas!! 

Anyways, I immediately went to each bank, and closed each account, IMMEDIATELY AFTER RECEIVING THESE MAILED COMMUNICATIONS IN BOTH INSTANCES!! 

In both instances, the financial institutions NEVER GAVE ANY MONIES TO THE ACCOUNTS OPENED. IN BOTH CASES. THEREFORE THERE WAS NEVER ANY MONETARY VALUE FOR EITHER INSTANCE. 

SO ONCE VERIFYING MY IDENTITY AND THE FRAUDULENT OBTAINED ACCOUNTS AND EACH INSTITUTION COMPLETED THEIR OWN FRAUDULENT INVESTIGATION. I WAS CLEARED OF ALL WRONG DOINGS IN BOTH CASES. AND TOLD I HAD NOTHING TO WORRY ABOUT!! 

Now, THESE EXACT TWO FRAUDULENTLY OBTAINED ACCOUNTS OPENED IN MY NAME ILLEGALLY ALL THIS TIME AGO. IS CURRENTLY PREVENTING ME FROM OPENING UP ANOTHER PERSONAL BANKING ACCOUNT WITH MY ACTUAL SATISFACTORY FINANCIAL INSTITUTION AT XXXX BANK!! 

I have faxed and completed EVERYTHING I WAS ASKED TO COMPLETE, via by phone with you all, BB & T as well as XXXX XXXX XXXX. 

However it is now going on MONTH FOUR AND I HAVE STILL RECEIVED ABSOLUTELY NO RESOLUTION REGARDING THIS INACCURACIES WITHIN MY ACTUAL CONSUMER CREDIT REPORT FROM YOU ALL. 

PLEASE CORRECT THIS INACCURACY IMMEDIATELY. AS I AM FIXING TO PURCHASE MY SECOND HOME AND CAN NOT DO SO UNTIL THIS ISSUE HAS BEEN RESOLVED FINALLY!!! 
ALSO I CAN NOT EVEN OPEN ANOTHER BANK ACCOUNT WITHIN MY BANK UNTIL THIS ISSUE HAS BEEN RESOLVED AS PROMISED FOUR MONTHS AGO NOW!! 

I WAS PROMISED RESOLUTION IN A MAXIMUM OF 15-30 DAYS! 

YET ITS BEEN FOUR MONTHS TO DATE, AND STILL NO RESOLUTION OR CORRECTION OF MY CONSUMER CREDIT REPORTING AND CURRENT STANDINGS WITH MY CONSUMER REPORT HAS BEEN BROUGHT TO DATE AND CURRENT SHOWING I HAVE A GREAT CREDIT STANDING AND ALWAYS HAVE!!! 

Please correct this immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my privacy rights.under 15 USC 1681 ( 2 ) I have a right to privacy. It states a consumer reporting agency can not furnish a account without my written consent. Under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card late for any purpose.
Product: Mortgage

I have tried multiple times to resolve this problem with Investors Bank and the problem just continues. Last complaint the Vice President of Mortgage XXXX XXXX overnighted a bunch of statement printout 's that we never received one of them. We also are not able to access any statement information from Investors Bank Website. We rely entirely on Investors website to provide accurate information on our loans and to date they have not done this. I have been reaching out to XXXX XXXX for over a year, at times she has passed the work on to someone in the department who should n't have been responsible for the problem. We have a bi-weekly mortgage and Investors has been paid 26 payments up to date, one payment was accidentally applied back in the Summer to a home equity loan. This triggered a late payment on the Bi-weekly payment, I contacted Investors multiple times and asked them to fix it. They did n't fix it and they did n't respond correctly to the problem. If they had fixed it properly when this happened, it would never have started this chain of events. To date when I log into Investors website, I see some ridiculous amount of money being owed. There is no way this information is correct because of the amount of payments Investors has received. We also seem to have a problem were Investors does n't seem to know how to verify the house is insured. They are named as a mortgagee on the policy and very easily can verify insurance with the same insurance company for the past five years. Instead we are sent threatening letters about insurance on the house and threatening letters regarding the payments on this account. Last letter I received two weeks ago said we were months past due on mortgage and they could take collection action. This information is incorrect and they should n't be sending letters like that. I really do n't know what to do about this problem because we have tried to resolve it with Investors multiple times, specifically with XXXX XXXX and also with this company. This Vice President mailing multiple years worth of statements we never received is clearly unacceptable, it just shows an attempt of Investors to continue their dishonest behavior.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

Someone has attempted to fraudulently use my social security number open credit card accounts without my knowledge or consent. I kindly request that all credit bureaus take immediate action to remove all inquiries associated with these fraudulent attempts. All XXXX credit bureaus- please scroll and look for your company 's inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX -- -- -- -- - 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681S-2 ( A ) ( 5 ) Section STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF A CRIME WHICH ANTEDATES THE REPOT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) 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
Product: Debt collection

Portfolio recovery is harassing me almost daily. About 6 months ago I finally answered and they said I owed this debt from XXXX  XXXX about {$400.00} and I told them I don't owe anything, I currently have XXXX  XXXX and have bought a house and refinanced in the last two years and this debt is not on my credit. I have told them to send me in writing the debt and that I would like to have the calls stopped. It continued and I kept getting calls every day for multiple numbers and is beyond harassment. I sent a letter a couple weeks ago explaining all of this again to them and to cease and desist all contact with me. They have still been calling me, almost every other day. I do not owe this debt and I'm so frustrated. I looked up the company and there gave been multiple lawsuits against them for the same issues.
Product: Mortgage

I am a HUD Certified Counselor working with a borrower. She has a Fannie Mae loan serviced by Freedom Mortgage. She had a hardship and applied for assistance. She was approved for a Trial Plan in XX/XX/XXXX. She reached out to our agency in XXXX for assistance and to understand her options and I learned of this trial offer that started in XXXX. I advised that she call in immediately to see if she could still accept the trial, as the paperwork stated that she could make payments within the month it is due, and this was XX/XX/XXXX and the first trial payment was due in XX/XX/XXXX. She called Freedom mortgage and they accepted her into the trial and took her payment. She called on XX/XX/XXXX and made her 2nd of 3 trial payments and the rep confirmed that she was on the trial and this was her second payment and she just needed to make one more and she would be sent modification documents. She received a new trial offer ( with a higher interest rate and payment ) in the beginning of XXXX and called Freedom on XX/XX/XXXX and tried to make her 3rd payment on the original trial and was told she had to accept the new trial and make her first payment in XXXX. She called me confused and I called Freedom and was told that she denied the trial offer back in XXXX and it was closed out, although borrower does not recall denying it. I began trying to resolve this through an escalation contact, because the time to tell this borrower that she had denied the offer and it was closed out, was before they accepted her into the trial and accepted her payment TWICE. They had the opportunity to tell her this in XXXX and XXXX, but they accepted her onto this trial and took 2 payments, so that opportunity to tell her the offer was closed out was long past. This contact, XXXX XXXX, listened and agreed that the original trial should be honored and said she would send it up for review. She called me on XX/XX/XXXX and told me initially that the review determined that she denied the offer and the new offer was all there was for an option. I reiterated that they told her she was on the trial and took 2 payments, and XXXX agreed that they missed that point during the review and that she was going to fight for what was right, to honor that first trial. XXXX told me to wait on advising client about making the final payment until she could send for another review. I NEVER heard back from her again and have left 4 messages. This has been dropped by Freedom and no one can give me any answers and now XXXX is denying that I have even left any messages. It is highly unprofessional and this client has held up her end of the bargain and has made all 3 trial payments and Freedom is not honoring their end of the bargain. I never file these complaints on behalf of my clients, but due to the egregious lack of follow up and untruthfulness of their escalation contact, I feel I have to report this. The borrower will also be filing a report.
Product: Credit card or prepaid card

SYCHRONY CARE Credit card that I have had for several years since approximately XXXX. This card was offered to me as another option for payment. This card is XXXX interest for a year if balance paid in full for people with excellent credit. I discovered on XXXX through an email from sychrony bank for payment due on fraudelent charges made on XXXX for {$3100.00} to XXXX XXXX and a 2nd charge for {$3100.00} to XXXX XXXX on XXXX, for a total of XXXX, I contacted them that same evening XXXX to report. I also called again to close on XXXX, XXXX and XXXX as I could still go in through the synchrony app and see my account was still open and new cards were being issued. I also did not ask for a new credit cards to be issued to me after I closed both Synchrony care credit o Synchrony home but they still issued Syncrony Home credit card to my home As I had informed them of a fraudulent address that credit card may potentially be sent to. On XXXX i also noticed that A Synchrony Home card/Rooms to Go was opened. I never requested this card to be opened and never got a card in the mail. This card was fraudulently charged on XXXX in XXXX XXXX XXXX  and XXXX XXXX XXXX in XXXX, Tennessee for a total charged of {$7300.00}. I live in NY! I have sent each individual dispute forms for both Synchrony home and Synchrony care credit on XXXX XXXX for both cards by mail and both cards to confirm they received it by phone. My first claim for Synchrony care credit card denied on XXXX saying i authorized or beneffited from purchase, payments made by me and account opened for 12mths statements sent to me. I never got statements in the mail. I also never got an email like I have in the past sane day or so when a purchase is first made, alerting me that a purchase has been made on card. I have filed police report XXXX and FTC report on XXXX. This documents were all sent by mail. I also have a letter from dental  office indicating that I have always paid my bills and last charge to Synchrony care was XXXX paid in full. I called on XXXX sychrony care credit and they confirmed that claim was denied. I requested appeal paperwork. I have not heard back regarding the Synchrony Home dispute claim. I sent A 2nd letter again disputing these charges XXXX thia time by certified mail sign receiptrequested. I have frozen all 3 creditors as I feel my social security number and information has been compromised. I will be contacting social security office as well. I have also put alerts on my credit.
Product: Debt collection

I had auto insurance with XXXX. The policy was coming up for renewal on XXXX XXXX 2024. 
I got married on XXXX XXXX, 2024. I called XXXX to ask for a quote on my policy because I am now married. XXXX gave me a quote that I didn't accept. I acquired insurance from a different company. I did't add my wife to a policy that was about to expire in a few weeks. That makes no sence. XXXX is sending me a bill for {$28.00} for adding her to the policy a few weeks before it expired. Ridiculous! I only ask for a quote if I renewed. I contact them they refuse to remove the charge.
Product: Debt collection

This debt is impacting me negatively in a huge way. This debt does not belong to me and according to FCRA 15 USC 1681 I am owed an accurate credit report. This creditor has not proved the debt belongs, and the company didnt send me an original contract with my name and signature on it. Please remove this from my credit report and stop all selling of this debt
Product: Checking or savings account

I have been with chase for years and never had an issue with them until recently where my account seems to have been hacked, I noticed that I was being charged for XXXX charges that I did not authorized that I went to my bank let them know that those were not my purchases are so I opened a fraud alert, they investigated the alert and they returned with saying that they couldn't help me because they don't have a legal authority to investigate it further and to return the money back to my account and to go contact the merchant, XXXX, which I did and XXXX told me that they see my account was not secured and that there was actions on there that were not me and they unfortunately could not help me because the money was already posted onto the block chain and that they could not return the money to my account. The dates and charges are as followed XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a single mom that recently had the father of my child pass away, I have no clue how anything XXXX works so I don't know why my bank allowed these charges to go through in the first place and they should have flagged the account at the first charge. And since no one is helping me I am turning to the CFPB to hopefully help me.
Product: Debt collection

TODAY I VERIFIED THAT THIS ACCOUNT THAT I AM REPORTING TO BE BLOCKED AND DELETED FROM MY CREDIT REPORT IS STILL SHOWING AND AFFECTING MY FINANCIAL CREDIBILITY.
Product: Credit card or prepaid card

It is Bank of America. I paid of outstanding balance and they charged me interest the next month. I called to no avail. Bank of America 's website and my statement states if you pay off balance, you will not be charged interest. 

Attached is the letter I sent. I have heard nothing back. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I mailed a certified letter asking to validate debt by providing the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.
Product: Checking or savings account

On XX/XX/XXXX I was sent a new debit card from Chase because the card I had in my possession had been compromised. I received the card a few days later, but had not utilized it yet because I was heading out of town. On XX/XX/XXXX I stopped at the gas station to use my debit card only to find out it was not working. When I called Chase they stated that my account had been closed, as of XX/XX/XXXX, and that they had sent me notification of this. I had not received any notification, and I still had money in my account. When I asked why they had not notified me prior to closing it they assured me they did. When I told them I had not received any correspondence in the mail, they stated that sometimes their mailing system could lag. When I inquired about the reason as to why my account had been closed, they could not provide one.  They simply stated that my account had been reviewed and they decided to no longer do business with me. They never sent me the rest of the money that was in my account as they had sent it to the wrong address. I am still owed an explanation as to why my account was closed and my money that was within the account at the time of closing.