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

I have been attempting since XXXX XXXX to add a POD beneficiary to my checking and savings accounts at US Bank . I first tried on-line and can not get the form where it looks like it should be available on their website. 
I called an 800 number and was transferred around until eventually I was transferred to XXXX. That was XXXX. I was asked for confidential info about my intended beneficiary and was told it would be added to the form and the form would be mailed to me. I never received the form. I became concerned about providing the bank with the confidential info for my beneficiary. ( name, address, social sec no... ) I called XXXX again around XX/XX/XXXX. This time I was told I would receive a call back from another representative to assist with this. I never received a call. 
I called XXXX on XX/XX/XXXX since this looked like a number to file a complaint with the bank. The person I spoke with was another customer service person who suggested a manager could call me back. I asked a number of times how to make a complaint since I had already tried that. She ended up pretending to transfer me to XXXX and hung up ( after raising her voice at me ). 
I live in Florida and can not get to any branch. I can not get the bank to provide a POD form or accept a complaint to management.
Product: Mortgage

My home has been stolen by Wells Fargo Bank N.A . but XXXX XXXX XXXX XXXX has fraudulently used XXXX and XXXX XXXX law firm ( out of XXXX XXXX Arkansas ) to foreclose on my home. XXXX XXXX XXXX XXXX signed as the attorney in fact for Wells Fargo NA Bank on a substitute trustee filed in XXXX XXXX, TN registry of deeds. Wells Fargo has foreclosed on my home and sold it back to themselves. They never sent me XXXX bill nor responded to any of my legal requests.
Product: Debt collection

Somebody has been using my social from 2020 I cant open any credit cards & I never applied for one
Product: Credit reporting or other personal consumer reports

XXXX app alerts have been popping up with XXXXXXXX XXXX XXXX XXXX Saying my information is on the XXXX XXXX and to change my passwords on my accounts. I don't recognize these inquiries so please have them deleted from my reports. TransunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA. 1 ) CERTIFIED BUREAU OF. 2 ) XXXX XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX DBA.THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING EXPERIAN, XXXX, AND XXXX ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company murdered my consumer profile denying my credit because of unauthorized inquiries. On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. On XX/XX/2022, on report third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. None of my request have not being honored. Experian is declining to sent any document signed by me approving this inquires. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Claim id : XXXX Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( SSN : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX , CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am requesting Wells Fargo Auto Loan and XXXX XXXX : Please remove the hard inquiry by Wells Fargo Auto Loan and XXXX XXXX from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible Sincerely,
Product: Mortgage

XXXX XXXX Citi Bank XXXX XXXX XXXX and XXXX XXXX. 

I applied for a home mortgage loan with Citi Bank in XX/XX/XXXX2024 to purchase a property with a closing date set for XXXX/XXXX/2024. From the beginning of the process, I emphasized the importance of meeting the closing deadline, as the purchase contract clearly stated that any delay caused by the buyer would result in a penalty of {$900.00} per day. Despite my continuous efforts to expedite the process, Citi Banks mismanagement and lack of communication caused a three-day delay, resulting in a penalty fee of {$2700.00}, which I was forced to pay. 

Timeline of Events and Citi Banks Failures XXXX. Early Communication & My Proactive Efforts On Day XXXX of the loan process, I informed Citi Banks loan XXXX of the XX/XX/XXXX closing deadline and emphasized the need for buffer time due to the holiday season. 
I promptly submitted all requested documents and responded to requests within hours to avoid delays. 
XXXX. Lack of Backup Coverage for the XXXX XXXX The assigned loan XXXX, did not inform me that she would be on vacation during the critical closing period. 
She failed to designate a backup contact, leaving me unable to escalate issues or get timely updates. 
During her absence, I had no access to a Citi representative who could provide clarity or assistance. 
XXXX. Incompetence of the XXXX XXXX The loan processor repeatedly requested unclear or unexplained documentation, leading to unnecessary delays. 
XXXX. Last-Minute, Uncommunicated Requirements On the XX/XX/XXXX closing date, I was suddenly required to provide a Citi checking XXXX savings account, a requirement that had never been mentioned before. 
I had repeatedly asked in advance if there were any outstanding requirements, but neither loan XXXX nor processor informed me of this necessity. 

Financial Impact and Request for Resolution : Due to these failures on Citi Banks part, my home purchase closing was delayed by XXXX days, and I was charged a penalty fee of {$2700.00} by the seller. The delays were entirely avoidable had Citi Bank properly managed the process. 

I am requesting Citi Bank to reimburse me for the {$2700.00} penalty fee and take corrective action to ensure future customers do not experience similar issues. 

I have already attempted to resolve this issue directly with Citi Bank, but I have not received a satisfactory response. I am now seeking CFPBs assistance in holding Citi Bank accountable for their failure to fulfill their obligations in a timely manner. 

Thank you for reviewing my complaint. I appreciate your help in resolving this matter.
Product: Mortgage

I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months, I called every other week and received the same response. 
On XXXX XXXX, XXXX, I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time, that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time, he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found, the new paperwork would take an additional 2 months to get finalized. I asked if, after all paperwork was completed, that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife, the cosigner. He said he would call me back after paperwork was completed and speak about it. 
By XXXX XXXX, I received word that the Deed In Lieu was approved and finalized and would reflect on my credit file within 30-60 days. I asked about showing past due payments only to XXXX XXXX and was told they would look into it. 
Around the end of XXXX I received notice of a credit change on file. I saw XXXX and others showed past due payments to XXXX XXXX. I have since tried to call the loan specialist and supervisor and left several voicemails with no answer back.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX XXXX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON EXPERION ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Product: Money transfer, virtual currency, or money service

I initiated a {$30000.00} wire transfer to XXXX XXXX XXXX to be deposited into my Binance US account on Monday, XX/XX/2021 at XXXX EDT. XXXX XXXX XXXX is the financial custodian for Binance US. The policy for wire transfers into a Binance US account is no more than 3 business days. The only way to reach Binnance US customer support is by opening a support ticket. I have opened two tickets, one on Wednesday XX/XX/2021 and again today, Friday, XX/XX/XXXX with a copy of my wire transfer receipt showing all pertinent details along with the reference code to my specific wallet on Binance US. The funds still have not been deposited into my account after 5 days. I have had no response from their customer support and there is no phone number to call. Any help you could give me would be greatly appreciated.
Product: Debt collection

I have had store credit with the XXXX on 2009. Originally debt was XXXX XXXX Account was named XXXX ( now it calls XXXX ). My last payment was made on XX/XX/2009. I lost my job that time and I could n't pay my credit cards. The debt was sold to collector company PORTFOLIO RECOVERY. It has been more than 7 years. They still report this debt as XXXX to credit agencies. I tried to dispute on XXXX website with XXXX, but unfortunately they refuse to delete the negative account.
Product: Debt collection

XXXX XXXX has violated the FDCA as outlined in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. They have emailed me repeatedly and called.
Product: Credit reporting or other personal consumer reports

I've contacted all ( 3 ) three companies to inform them that I did not authorize any inquiries from them ; and to report this to the three Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

U.S Bank ReliaCard XXXX {$1400.00} {$410.00} XXXX etc ..... 
I noticed unauthorized transactions and transfers in XXXX of XXXX. I filed a disputes no actions resolved fo unauthorized transactions. I have made numerous of complaints concerning the unauthorized transactions no ACTION nothing was resolved! Bad customer service representative dont know anything about ending balances in account CSR have no expectations when asking questions regarding beginning balances and remaining money in accounts, very ridiculous! Missing Funds in two Government prepaid debit card accounts .This has been a ongoing issues with U.S Bank ReliaCard.. etc card holder services XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl XXXX
Product: Payday loan, title loan, or personal loan

I have reported to the company that I no longer have access to my online dashboard of account that shows the progress I'm making in paying off this debt. 

There has been no response after two emails. Emails are the only way I can seem to contact them as there is no phone number on their website. 

This is causing me terrible XXXX  because I'm afraid I've been schemed out of my car title AND I'm paying them {$890.00} each month but I receive no monthly statements or online access. 

I have emailed them at customerservice@upgrade.com and at contact@upgrade.com. I receive a canned response that " we've received your email and we'll get back to you within 3-5 days ''.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S
. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Payday loan

I have paid this debt 2 times and sent several collection agency proof of paid but I still get letters every year.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek compensation for my lack of due diligence on their part, not having a customer service available for me to issue my complaints my data being stolen by their fake customer service and my money loss I seek immediate readiness on this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting and XXXX  account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX - XXXX has violated my Rights.

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
Product: Mortgage

Loancare has failed to promptly post my monthly Mortgage payments beginning with theXX/XX/2020 payment of {$2300.00}. 

I have made no fewer than 10 attempts to get this resolved, between XX/XX/XXXX and today, XX/XX/XXXX. 

I have secured evidence from my credit union ( XXXX XXXX XXXX XXXX ) that they ( the credit union ) processed all of my ACH mortgage payments to Loan Care via their bill pay service. 

In addition to an exceptionally frustrating customer service experience of trying to reach someone at Loan Care by phone ( getting to a human via phone requires nearly 10 minutes to navigate their XXXX just to get to the final prompt ), their company continues to place automated calls to my mobile asking that I contact them. 

Loancare is unable to connect the dots to resolve simple issues. 

Please help!
Product: Credit card or prepaid card

On XX/XX/22 I was notified by Discover that my consent was required to provide discover with a signed copy of IRS Consent form 4506-C. I received both an email and an automated phone call requesting that I complete this form. I am very uncomfortable with a credit card company requesting a copy of my income tax return from the IRS. They stated in their email that " Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. 

Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. '' When I contacted Discover they claim that all Discover credit card members were being asked to complete this form due to a federal regulation. Of course, no such federal regulation exists. As this request is a gross invasion of my financial and personal privacy, I promptly requested that Discover close both of my revolving credit accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX since XX/XX/XXXX. I have never missed a payment and account is current. However, I filed Bankruptcy in XX/XX/XXXX and made it clear to my lawyer I wanted to keep my vehicle, XXXX XXXX XXXX. During Bankruptcy process, I filed for a Reaffirmation Agreement. I negotiated with their Lawyer 's  and received a lower interest rate and lower monthly payment. The Bankruptcy was Discharged XX/XX/XXXX. I began monitoring my credit reports. It became necessary to initiate disputes to ensure my XXXX XXXX account was reporting as stated in my Reaffirmation Agreement. My initial dispute included every item within the XXXX XXXX account that required updating. Unfortunately, the request to ensure accurate reporting became a on going issue because the information was not updated as I requested, as in my Reaffirmation Agreement. This went on from roughly XX/XX/XXXX time  frame with the last dispute in XX/XX/XXXX. Since this car loan has been paid, on time, since XX/XX/XXXX until today, I believed this was my right. Unfortunately, when I went on each credit bureau site to review this account for my car, and spoke to specifically to a XXXX  representative, he stated it was deleted due to determining it as it being frivolous. When I look at my account on line it is current. I checked with Equifax and XXXX and my information was also erased from my credit reports at those credit bureaus. I am wondering if new information in the Reaffirmation Agreement was forwarded to every department within XXXX XXXX needing to know it was not in bankruptcy, all my payment have an excellent history, my monthly payment was reduced to {$390.00} but continually reported at {$490.00} a month. The payment history needed to extend after I filed bankruptcy, the loan balance was also needing to be accurately reported. I need my XXXX XXXX account placed back on my credit reports. Do not believe this account was ever accurately verified or properly investigated. Can someone please assist me with ensuring I can have my account placed back on all my credit reports with the correct information reported all at one time. Maybe only so many disputes are taken before deciding an account should be removed? I don't know. However, I was only asking to place the correct information on my credit reports. Whomever has been questionably " verifying '' has created a big problem for me since I have a right to have it investigated properly.
Product: Credit reporting or other personal consumer reports

IVE CONTACTED XXXX THAT I NOTICED INACCURATE ACCOUNTS REPORTING XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX