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

I deposit {$350.00} into CitiBank ATM machine on XX/XX/2019 at XXXX. The cash jam, the ATM issue a receipt said " I am sorry, because of technical problem, I can not return your cash right now ''. Contact citibank on XX/XX/2019, a temporary {$350.00} credit was issued. Received letter from Citibank on XX/XX/2019 said case closed due to insufficient evidence. Yet the only evidence I could provide is the receipt from ATM. At least it proved at least 1 bill was deposit and get struck.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text message from what I thought was my bank. It asked if I had approved of a certain transaction in Georgia ( I live in California ). If not, " reply No ''. I replied and it responded with, " someone will be contacting you shortly ''. 

An individual contacted me and included the line, " ... to improve customer service you are on a recorded line... ''. It was a rather long phone call with many pauses, and they seemed to know enough information that I did not question who I was speaking to, because it seemed like such a " typical call from the bank ''. He canceled my account and said I'd have to go into a branch to get a new debit card. He said I would have to XXXX some money to a XXXX supervisor to make sure my new back account will be working. 

In the end, the call lead to me XXXX {$1500.00} to a " XXXX XXXX '' or " XXXX XXXX '' ( I think that was his name. His name is not available on my bank statement as other XXXX transfers are ). He said I would receive a phone call in the next 24 hours to make sure my new account had been restored and I'd receive the transferred money. I never received a phone call. 

The following day, I went into a branch to receive my new debit card and the individual helping me quickly picked up that I had been scammed. We had noticed several additional withdrawals out of my account from XXXX, FL at a restaurant. He reported the incident. Eventually I did get reimbursed for the restaurant withdrawals, however, I received a letter from my bank, XXXX XXXX XXXX XXXX or " XXXX '' ) that I will not be reimbursed for the {$1500.00} because it was an approved transaction on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid off both of my capital one credit cards 6 months ago. 
I was charged a membership fee that I was unaware of for both of my cards in the amount of {$19.00}. 
Since I do not use these cards anymore, but left them open to build my credit, I had no idea that they were delinquent and now past due. 
Capital one didn't reach out to let me know this until 2 billing cycles had past and it was now reported on my credit as a 30 day past due which brought my score down significantly. 
I immediately called capital one and settled my accounts and they are all paid, they even removed the late payment, but the damage to my credit score is already done. 
I worked really hard to rebuild my credit and have not had a late payment in years and years. 
I feel it is unfair that my score was damanaged due to something I didn't even know was happening until it was too late. Can this please be removed from my credit?
Product: Credit reporting or other personal consumer reports

NO KNOWLEDGE OF ACCOUNT STATUS RECEIVED NOTHING IN THE MAIL
Product: Debt collection

Subject : Request for Debt Validation and Verification Dear CAPITAL ONE I am writing to request validation and verification of the debt you claim I owe, as detailed in the information on my consumer credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I am legally obligated to pay this debt. 
Please provide the following information : The amount of the debt, including an itemized accounting of fees, interest, and other charges. 
The name and address of the original creditor. 
A copy of the original signed agreement or contract that created this debt. 
Evidence that you are legally authorized to collect this debt on behalf of the original creditor. 
Copies of any judgments or legal documents related to this debt, if applicable. 
Proof that the statute of limitations on this debt has not expired. 
Confirmation of the current holder of the note, and if applicable, a copy of the note bearing my signature and documentation showing the transfer of the note to the current holder. 
A copy of the initial communication sent to me regarding the debt collection, including the date and method of communication. 
I also request that all collection activities cease until this debt is validated and verified as required by law. Please respond to this request within the XXXX period specified by the FDCPA. 
Sending this request is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. I reserve the right to dispute the debt further if the information provided is inadequate or incorrect.
Product: Credit card

On XX/XX/XXXX, I used a credit card that I took out at XXXX XXXX XXXX XXXX to make a payment of {$9900.00} to the XXXX XXXX XXXX company as part of a payment of {$19000.00} that this company charged me for reasons of Real Estate consultancies. Which turned out to be a fraud, this company scammed thousands of people with these advice, they went to a Federal lawsuit in the year XXXX and had all their properties and capital confiscated. We made claims to the XXXX Federal Trade Commission where they told us to make claims or disputes with the banks that we used to pay this company. This is what I did, and the XXXX company did refund my money, but the XXXX XXXX XXXX Bank refused to refund my money arguing that the XXXX company only allows disputes made within a period of 120 days after the transaction, I did my dispute with them since XX/XX/XXXX because we did not know that XXXX would not return the money to us. And now XXXX says it's too late for a dispute. I sent XXXX all the evidence of the case and the reason why the dispute was made up to that date but they continue to say that it is the XXXX company 's fault and that they can't do anything. I feel very frustrated by this situation since credit cards are supposedly insured against this type of fraud. I hope you can help me and spread this case so that it doesn't happen to other people. Thank you
Product: Debt collection

Re : Capital One Bank Account # XXXX I have been trying to resolve this issue with Capital One for a year or more now, and they responded with a letter saying they were sending it to their fraud department ( according to CFPB Case # XXXX ; I never received a physical copy ) and to give some time. The letter was dated XX/XX/2020. I gave 6 months. In the letter they confirmed the account was done online and that they do not have any signatures, and it was linked to me by public records. Well if its public, anyone have access right? So that is not considered validation. According to the law, if the account is not validated the creditor must remove the account from my credit report. They also mentioned they sold the account. How and why when the account is not validated? This is unacceptable.
Product: Credit card

I received a letter from Synchrony Bank regarding my XXXX XXXX credit card account, stating that after reviewing my activity my charge privileges have been withdrawn and credit line has been closed. The reason stated was that due to recent activity, plus having XXXX or more dishonored check payments on my account caused the account closure. 
On XXXX XXXX, 2015, I spoke with XXXX with XXXX customer service ( Synchrony Bank ) and told them that I had received a letter from stating that I had returned checks, and as a result I wanted for them to provide me with copies of the returned checks. I was put on hold and she informed me that she could not find any returned payments for my account. She put on hold in order to further investigate with the accounting Department. After some time the agent said that after checking with their Accounting Department, she informed me that there were not any returned checks but due to them having reviewed a recent credit report they decided to close out my account and that I should take it up with my credit bureau since they are the ones that are responsible for the report. I responded by telling the agent that the letter that was sent out did not mention this as a reason or anything with regards to a credit report. I asked the agent to provide me with the name of the person she spoke to in the accounting department but she told me that she could n't provide me with because it was against company policy. I have always paid on time, and have no returned checks that I have issued and have been returned. XXXX customer service department does not have any answers or explanations and keeps directing me to direct my questions to the credit bureaus which does n't to my knowledge include this on my report. At this time, I do n't know what to do, I feel that Synchrony Bank is showing unfair business practices. I have never been late, or returned checks. It has also taken my XXXX XXXX credit card and has closed that account because they are the creditors and because of XXXX activity they sent out a letter stating that due to returned checks on my other account handled by Synchrony Bank they have terminated my XXXX store card, for which I have also always paid. Now, I have XXXX store cards that Synchrony Bank has closed out unfairly.
Product: Mortgage

I am current on my mortgage, and I am struggling to make the payments. I applied for a modification and was denied. The reason for the denial was  XXXX  fold ; they stated I had a modification in   XXXX   and in   XXXX   XXXX  . In  XXXX , I made the  XXXX  trial payments but did not sign the final modification documents. I called Chase to discuss the modification proposal, and I was told by a representative to decline it. The representative stated that there was a balloon payment. I was confused and decided to seek the advice of a housing counselor. The counselor stated the modification was a good proposal, and suggested I accept it. When I contacted Chase, I was told it was considered declined and no longer available. I decided to dispute the decision on  XXXX / XXXX / XXXX . The housing counselor,  XXXX   XXXX , was told on  XXXX / XXXX / XXXX , I could not reapply until next year when the  XXXX  modification falls off. I did not officially have a modification in  XXXX   XXXX . I never signed the final modification documents. Ms.  XXXX  was told by  XXXX   XXXX , that Chase considers this to be a modification. This is incorrect and a false statement. Although Ms.  XXXX  was given this denial reason, I was told something different. I was told that the appraisal was higher, and that my home had too much equity to qualify. When I asked why there was an increase in the appraisal after a time period of less than  XXXX  days, I did not get a response. I have not made any additions on my home, and my property value has not increased. Chase has not and will not give a sufficient reason for the property appraisal increase. This is extremely disturbing as I was just approved, and now there is an unsubstantiated appraisal increase that Chase states disqualifies me. I am not being allowed to reapply. I am not delinquent, and I am not given any options other than a short sale or deed in lieu. My current housing ratio is 50 % and the back end ratio is over 100 %. I am in need of a program to help me save my home.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/year>
Product: Mortgage

I was trying to refinance my home, paid for the appraisal and provided my lender with all of the documents they requested. They and the title company arranged for a notary to come to my home for purposes of getting the documents signed so we can fund the refinance. The notary was supposed to arrive at XXXX. The notary did not show up all day. The lender was trying to re-schedule a notary for XXXX, but they knew I was not available later in the day because I am leaving town for XXXX. 

The issue now is that we will be into XXXX by the time I get back, at which point they have told me that they will need to run more numbers and it will cost an additional {$4000.00} to refinance due to rate changes. 

This was not my fault. I did everything I was supposed to do. All I have asked my lender for is the refund for my appraisal of about {$800.00}. I am not even that upset about the extra refinancing charges. I have simply decided after several customer service issues with this lender that I do not wish to work with them again. They are refusing to refund me anything for the appraisal. 

Not only did they not acknowledge fault for the issue, but they won't refund me for an appraisal i can't use, and they have told me that a new rate will cost an additional {$4000.00}. Everyone involved with the lender 's office was aware of my schedule. This is extremely unprofessional. On top of it all, my main contact at the lender has not picked up my calls since I spoke to her this morning about the notary not showing up.
Product: Credit card or prepaid card

Paid Barclays Banana Republic {$2400.00} XX/XX/2022 XXXX XXXX  posted payment XX/XX/2022 I have mailed ( return receipt requested ) thru XXXX XXXX faxed, and discussed with Barclays reps proof of payment, providing the copy of the check, front and back. Check # XXXX cashed XX/XX/2022. 
On the back of check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS. XXXX Today XX/XX/2022 marks 3 months of dealing w/this My payment never credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

FREEDOM MORTGAGE LOAN # XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from XXXX XXXXXXXXXXXX XXXX  to Freedom Mortgage. 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by Freedom Mortgage. 

The Freedom Mortgage automated phone system is also incorrectly reporting me due for the XX/XX/2020 payment which is also incorrect. 

Prior to the this reporting by Freedom Mortgage, I have never had a late payment on any mortgage loan.
Product: Debt collection

I went through proper channels and submitted a dispute for this item to all three credit bureaus and immediately was contacted by the debt collector and harassed about submitting the dispute.
Product: Mortgage

I am a veteran that can't get a VA loan due to Wells Fargo 's actions. 
In XX/XX/XXXX, I called Wells Fargo concerning a possible loan modification. They sent me a packet that I never filled out or returned. No modification was ever done. A few months later, I received my monthly mortgage statement that now reflected added fees for escrow. I never had an escrow account. I pay my taxes and insurance separately. I was told by Wells Fargo that escrow was required due to loan modification. I NEVER received a modification. For months on end, I went back and forth with them over the payment. My account had never been properly notated and I had to explain myself over and over again to each person that got my call. Please keep in mind that insurance and property taxes iXXXX XXXX Florida are not cheap. I pay taxes and insurance individually when work commission checks are received. The added escrow nearly doubled my monthly payment putting it well beyond my monthly budget. For 6 -8 months I went back and forth with them over the correction. They would remove escrow then put it right back on. My payments were applied incorrectly and eventually snowballed and started to show as late. They even refused to accept my payments at one point claiming they were short ( due to added escrow ) and a local office held 2 of my checks. Eventually, I was referred to their recovery department after multiple phone calls and complaints ( I ended up with 3 separate people in recovery all passing it on to the next guy until The last one actually made an effort to fix things ). I reimbursed them for the property taxes that they paid twice ( I paid them in XX/XX/XXXX for taxes they paid in XX/XX/XXXX that were not due till XX/XX/XXXX, and I paid them for taxes they paid in XX/XX/XXXX that were not due till XX/XX/XXXX over {$12000.00} paid by mXXXX 401k with a penalty ). While working with their Recovery Department on all of this and making arrangements to make sure that the payments were all in order they decided to initiate foreclosure proceedings. Why start a foreclosure on a customer that you are already working with? We got it all straightened out and the foreclosure was dismissed without going any further then the initial document filing. 
Thought all was good till about 6 months later when I noticed an added fee of {$4100.00} on my statement. I was told it was for the attorney fees for the foreclosure. Again, going back and forth. Now they have sold my loan to XXXX XXXX XXXX. My first payment to XXXX showed as {$5600.00} due to this added amount. XXXX has moved this to the back of my loan but said they can not remove it as Wells Fargo said they were " late payments ''. I am an XXXX Veteran attempting to refinance this to a VA loan so I can get a more affordable rate, and I can not get approval because of this fee. All because Wells Fargo could not seem to understand the difference between asking about a modification and actually receiving one.
Product: Debt collection

Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again.
Product: Debt collection

There are 2 negative remarks on my credit report by the same company and I have NO IDEA what it is!! 
They also called my younger brother to discuss this debt I know nothing about, which is illegal. They tried getting personal information and when I told them to stop contacting me because it is considered harassment they told me they can do whatever they like. 
They are looking for an " XXXX XXXX '' and that is not me, even when I tried telling them that it is not me. When I asked for proof of the " original documentation '', they denied sending it to me.
Product: Credit reporting or other personal consumer reports

Equifax Reinserted a XXXX XX/XX/XXXX account back on my credit report.. This Report was deleted from My file In XX/XX/2024 from Equifax due to inaccurate information.. I never live at the address also associated to the report.. The Fair Credit Reporting Act strictly prohibits the reinsertion of previously deleted or unverifiable information without proper notification and a valid certification of accuracy. Specifically : 1. FCRA Section 611 ( a ) ( 5 ) ( B ) : Before reinserting information, Equifax is required to certify that the furnisher has provided sufficient evidence to prove the informations accuracy and completeness. I was not notified of this reinsertion, which constitutes a violation of federal law.

2. FCRA Section 623 : Data furnishers are obligated to report accurate and verifiable information. The address associated with this account, XXXX XXXX XXXX XX/XX/XXXXXXXX, is factually incorrectI have never resided there. Any account tied to this address is therefore false and should be removed. 
3. FCRA Section 611 ( d ) : If a reinsertion occurs, Equifax is required to send me written notice of this action within five business days. I did not receive any such notification, further compounding the violation.
Product: Checking or savings account

XXXX I called Chase Bank to have a claim done for XXXX against XXXX XXXX XXXX and Chase Bank credited my checking account with a temporary credit of XXXX. I called Chase Bank in XXXX explaining that was a valid charged and they reversed the charged meaning the funds came out of my account being sent to XXXX XXXX XXXX. Well my account showed negative XXXX and XXXX XXXX XXXX Never received the funds electronically. Chase threatened to close my checking account if I don't bring it positive. I explain it was they're fault I went negative negate the third party never revived funds so I'm thinking Chase Bank is holding my money. Like what banks do. Well Chad closed my checking account and XXXX XXXX XXXX still hasn't received the money
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report 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.