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

On XX/XX/XXXX of this year I received a IRS refund check in the amount of XXXX. I went to my local fifth third branch in XXXX North Carolina and opened up a checking account and deposited the treasury check. 

On XX/XX/XXXX the funds were initially released into the account but then on XX/XX/XXXX the funds were removed from the account. I went into the local branch where they told me that they had placed the funds on a XXXX hold time. 

On XX/XX/XXXX I went to log into my bank account and noticed that I had lost access to my online banking. I went to my local branch spoke with them and they instructed that I had to call the XXXX fraud number and speak to the fraud department. I called the fraud department while I was in the branch and the fraud department advised that they were holding the funds for an additional 45 days to do further verifications on the check. 

They are not holding the funds under any federal banking regulation but under a internal policy. 

On XX/XX/XXXX I received a letter from fifth third stating that they were going to be closing the account with no specific reason stated. 

On XX/XX/XXXX I called back into the fraud department to question this and all the fraud department stated was that even though they presented the check to the Treasury department and the funds have been paid to fifth third and that they are just simply holding them that they are suggesting account closure for whatever reason that they would not tell me. But even though that they were going to close the account they are still withholding my funds from me.
Product: Debt collection

I am filing this identity theft report in response to the derogatory remarks that HSBC BANK and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with HSBC Bank. However, HSBC is reporting a fraudulent account to the credit reporting agencies with a balance of {$5200.00} Immediately after I noticed this account, I contacted HSBC BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that HSBC BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Product: Mortgage

In XXXX my mortgage under XXXX and suddenly change to XXXX till XXXX, due to resessions and difficulty of business income, i got hard time to pay my mortgage, I applied modification and approved with the amount of {$2800.00}. I was in 3 months trial payments, on the 3rd months XXXX refused my payments coz my mortgage is no longer with them and was endoresed to Ocwen, I called Ocwen for my 3rd payments and was n't able to accept payment due to non documents in their system. I kept calling and waited for several months and I finally received statement back to my original payment. I could n't make the payment till I got Foreclosure via XXXX Bank. 
XXXX XXXX XXXX promised to save my house which I paid {$2500.00} as their service fee by XXXX XXXX XXXX which is later find out Scam. 
I continuedly saving my house to apply Modification directly to Ocwen. While modification is on going XXXX Bank keep fighting to foreclose my house.XXXX Bank filled a motion to sell my house without open house and the court granted while my modification is on going. I called Ocwen what is going on then ask me to submit some documents and scheduled me to a phone call which they failed to call me. I received a motion for selling my property without open house. XXXX scheduled to sell my property without open house in XXXX XXXX, XXXX. I received a denied letter from Ocwen after the selling date. I filed bankruptcy chapter XXXX to save my house and paid {$1800.00} XXXX = {$3600.00}. A week after my relation officer called me if I want to save house and I said of course. Again ask me re-do some documents which I did. Ocwen approved my modification too high as much as my original loan payments after I filed Bunkruptcy chapter XXXX. I did not accept their offer because too high and ca n't afford due to difficulties and changes of income. 
I want to know also why XXXX Bank is foreclosing or selling my property while modification was on going? 
Please I need help what is going on and need help to lower my mortgage.
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 XXXX debt bondage, which falls under XXXX  according to XXXX-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 four 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 2 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 cr
editor 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 ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

An overlimit status was reported by XXXX XXXX XXXX XXXX on my Visa. This overlimit was due to an erroneous charge by XXXX on a Friday, which was reversed the following Tuesday morning ( due to the XXXX XXXX Holiday weekend ). When I saw this reporting on my Experian credit monitoring service I called reached out to XXXX and then XXXX XXXX and explained what happened. I was told by XXXX XXXX customer service that " she '' had noted the circumstances on my account and instructed me to open a dispute with Experian to which XXXX XXXX would correct the inaccurate reporting. I just received a dispute resolution from Experian stating XXXX XXXX did not change the reporting and the negative reporting would remain on my credit file.
Product: Debt collection

Spring oak Capitol is reporting a debt to my credit that Is not mine I have tried to contact them to get this issue handled with no help or responses
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the Equifax Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

Equifax has also locked me out of my account but I can not get assistance with this over the phone with Equifax. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my Equifax Report. The reps at Equifax do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.
Product: Checking or savings account

I opened Business Checking and Savings accounts with Relay Financial on XX/XX/2023. Over the next week, I made XXXX ACH transfers from accounts held at other financial institutions : XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$5400.00} ( ACH Push ) XXXX : {$100000.00} ( ACH Pull ) the final transfer said it would be complete in XXXX business days. XXXX days later, the transaction completed, and Relay Financial immediately froze my accounts. I replied to an email from their support team on XXXX with the requested bank statement from the bank where the funds originated. 

I received no updates indicating when the accounts would be unfrozen, no information about any interest that would be earned on the funds while frozen, and no consolations or information on how we could pay our outstanding bills. The support team did not answer any of my questions, only providing generic responses.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw some accounts that I do not recognize : Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I am a single mom with XXXX kids. My car was repossessed unexpectedly in XXXX 2016, I purchased another vehicle ; plus the cost of paying full coverage insurance made my living expenses difficult to pay for my other bills. I experienced trouble paying my rent in XXXX, XXXX, XXXX, and XXXX of 2016 which is why I went to Speedy Cash. 
At the time I applied for an LOC for {$600.00}. A young lady that works there told me about a title loan. I took it out in addition to pay for my car note and rent because I was behind on both at the time. The lady told me the interest rate would be cheaper but that is not true. I am paying about 300 % in interest and fees this is hurting me.
Product: Checking or savings account

I have an CD with Citibank for years. We usually receive a letter at the end of maturity term that I have 7 days to take action else it will auto renew. We thought to continually keep it on CD so that it auto renews. 

Now, we have received a letter asking us to take action on CD to renew or withdraw. When I call the customer care, the customer care supervisor was very rude and states that my account has become inactive and if it does it automatically goes to state. To the record, I have been very active and all my direct deposit and my credit card is with the same bank and the CD is being tied to the same account as well. In addition, I see the interest income has been added to the CD for transaction. I don't understand how a CD will become inactive with no transaction while the entire purpose is to keep the CD for interest at maturity. I have called in couple of times and wrote a letter as well but no luck and no intent has been taken by any of the customer care executives nor the supervisor to help me when I really want the money. Lastly, they keep saying that they have sent me many letters but i have not responded. I have not responded because it says it auto renews and no action necessary. 

I am still trying my best but no luck so far!
Product: Credit reporting, credit repair services, or other personal consumer reports

After 23 Disputes to Equifax, Identity theft reports to this bureau, as well as XXXX XXXX official documentation, and consumer statements posted to my credit file, Equifax refuses to by law, correct my credit file, and stop allowing fraudulent reporting to my credit file. After numerous phone calls, documentation of every single detail, identity theft action taken, proper notification, and supporting documents given to Equifax directly, They continue to allow fraudulent information, by one specific company ( XXXX XXXX XXXX ) report this information to my credit file. This has forced me to hire an attorney, and file for bankruptcy which has still after 4 years not solved this issue. This is a violation of the law concerning the Fair Credit Reporting Act which gives me the right to an accurate credit report. All federal Agencies have been notified of this issue, and are investigating which I am hoping will help. This has cause years of difficulty, finding a place to live for myself, and my family. It is an injustice.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have no knowledge of this Transworld debt and don't know where it came from It is not mine and would like it removed off my credit report.
Product: Credit reporting or other personal consumer reports

My mortgage has been sold 3 times -- almost every time it still has the same loan servicer, just a different mortgage holding company.In XX/XX/2023, XXXX XXXX reported my payment 30 days pas due. I requested an explanation. The mortgage has been paid 30 days ahead and continues to be 30 days ahead of the next due date. I have not missed any payments or been late. I wrote several letters, called and was placed on hold for long periods with no response, from the mortgage company nor from the 3 credit brueaus. None of them have responded.I filed a dispute with the 3 credit bureaus. I requested the 30 day late notes be removed and be returned from red to green show paid as agreed on time on my credit report.
Product: Mortgage

I started a home refinance with Wells Fargo in XX/XX/XXXX. I have met all of the conditions, been approved, paid for the appraisal, submitted all necessary doc -- several times. I keep being told everything is fine, just paper work delays on their part, yet is going on 5 mos now and we still have not closed despite being told repeatedly everything is fine. We were originally set to close in XX/XX/XXXX. When I 've called and emailed management, they apologize and say they will look into it and call me back ... 2 times they said this and have not called back. I would appreciate assistance with this, every month I am delayed I am pay hundreds of dollars more for my mortgage. 
I then receive and email from the customer service manager for mortgages asking how the loan is proceeding. I respond with the issues, and he replies that he will call me the next day. He does n't call or returns my emails. 
I now have been asked to again provide updated documents because the other have expired because this has take so long. I want to emphasize, we qualified for the loan, have had no issues with out paperwork and have many emails saying everything is fine.
Product: Checking or savings account

On XX/XX/year>, I opened XXXX accounts, the Smart Advantage Account and the Relationship Plus Money Market, with BMO through their website ( Accounts and account number shown as Attachment 3 and 4 ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made XXXX distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the Relationship Plus Money Market account through the BMO website ( Transaction in XXXX shown as Attachment 5 ). However, on XX/XX/year>, I received notifications from BMO stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from BMO shown as Attachment 6 ). However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the Relationship Plus Money Market account did not appear. Despite numerous attempts to resolve this issue by contacting BMO, I have not received a satisfactory resolution. After submitting a complaint in CFPB to BMO, I finally received their response on XX/XX/year>. BMO informed me that their vendor, XXXX, holds the funds, and they advised that XXXXXXXX XXXX ACH department should request a debit return ( Response from BMO shown as Attachment 1 ). 

Following a complaint filed with the CFPB against XXXX on XX/XX/year>, I received a response from XXXX today stating that they reached out to XXXX. However, they conveyed they are unable to retrieve the funds from XXXX due to XXXX requiring information from BMO Bank ; as BMO Bank had initiated the original ACH withdrawal and the return ( Response from XXXX shown as Attachment 2 ). Its essential to note that BMO communicated with XXXX on XX/XX/year>, instructing me to request XXXX to reach out to XXXX. However, XXXX has now redirected me to request BMO to reach out to XXXX. This situation falls into an endless loop, leaving me in a hopeless situation where XXXX continues to hold my funds without resolution. 

The situation has become increasingly convoluted, with conflicting responses from BMO and XXXX. I request BMO to provide detailed processes undertaken in their communication with XXXX. This includes BMOs inquiries and XXXX 's detailed responses and instructions in all communications. Meanwhile, I have submitted complaints against both XXXX and XXXX today, and simultaneously, I urgently request BMOs assistance in working collaboratively with XXXX and XXXX to resolve this matter promptly and retrieve my funds. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over XXXX months.
Product: Credit card

I made a purchase on Amazon on XX/XX/XXXX for the amount of {$1500.00}. It was different from what was shown based off the picture on box. Package remain unopened. I contacted Amazon to request a return. Amazon then put me through a third party vendor who then send me a return label by email. I follow their instructions and place label on box and leave on step XX/XX/XXXX. They email me on XX/XX/XXXX and asked for me to confirm that package was picked up and they got an email from usps stating it was picked up. I confirm it was picked up. I then asked about my return and they claim when item is received then they will issue. I then asked for a date and they said it will be delivered to them XXXX  XX/XX/XXXX. On XX/XX/XXXX I reached out again and asked for an update and was told it now be deliver on XX/XX/XXXX. I got tired of hearing tomorrow over the next few phone conversation so I decided to dispute this charge. After I opened the dispute Amazon prime customer service could no longer help me because of the open dispute with credit card. I explain to the credit card my issue and even provided proof of the conversation from the Vendor and I. I provided proof that the vendor acknowledge it was picked up and was reading a tracking for most of the conversation saying its expected tomorrow. I keep calling uploading information for the credit card company to help the dispute. On XX/XX/XXXX when I got an email it was closed but no details why, I then called Amazon credit card to inquire. I was told the vendor respond they never received the item and it was closed. I was disappointed because I have shown proof that it was in transit and vendor confirm it in email communication. They have my money and the tank and I don't know what to do. Amazon keeps closing al A-Z claim saying vendor stated it was never sent back. I need guidance because its a lot of money which now has interest and no one is helping me.
Product: Debt collection

A Debt Collector called 'National Judgement Recovery Center , L.P ' has levied several of my accounts including my children 's checking and savings. However the XXXX XXXX for a debt is not mine, it belongs to another person with a similar name ( except that I am a XXXX. ). The XXXX XXXX was rendered in county where I currently reside in XXXX, and I was not a resident of this county until XXXX, and did not have any financial dealings in this county prior to moving here. This has caused me great distress, as I am not able to pay my bills or go to my doctors appointments.
Product: Vehicle loan or lease

I paid off this car XX/XX/2022. 
They told me that title sent to me, but i never received the title. 
So I was speak with XXXX who is supervisor in customer service dept. 
They gave me 2 options for my re-issue title.

first one is that I need to send the duplicate title request via only mail.

I sent the mail to right address they provide me, but they said didn't received.

So I was trying to follow second option for get a lien release document to bring local DMV, but they didn't accept that letter to issue the title.

Hyundai Motors finance told me that I need to sent them payable check for duplicate title fee with trackable mail, they not gon na pay for it. Is this my responsibility?

They took my money, but the car is still their own and their customer service is too lazy and slow.

Hyundai motors finance is XXXX.
Product: Credit reporting or other personal consumer reports

Transunion is in violation of FCRA 607 ( b ) accuracy of my credit file. According to FCRA 623 ( a ) ( 5 ) the companies that are furnishing adverse data on my report are, by law, required to submit " not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action. '' They have/ did not. There is no date of the first delinquency on my credit profile for the below accounts. In addition, there is no payment history or terms. Yet, Transunion is in willful violation against FCRA 607 ( b ) accuracy, 611 ( 5 ) ( A ) incomplete data, and 623 ( a ) ( 1 ) ( A ) reporting with knowledge of errors allowing those companies to be listed on my credit profile are are subject to FCRA 616 and/ or 617. 

This applies to the following companies on my Transunion credit profile XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

FDCPA Violation Did Not Provide Mini Miranda. 
Violation Per Code 807 ( 11 ) Used Abusive language and called repeatedly Another Violation 806