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

I went into the XXXX First Republic Branch last Friday to review my accounts and to ensure everything was secure. It was recommended I do a partial withdrawal from one of my CD accounts. 

1. Cashier 's Check amount should have been {$120000.00}. When I got home and looked at it, it was for {$120000.00}. I spent the last several days trying to get someone to help me with absolutely no luck. {$120000.00} was debited from my account AND a penalty was taken out in addition to this. 

2. Penalty Amount - I was previously informed that the early penalty withdrawal amount would not go into the principal amount however in this case, this is not what happened. CD was opened XX/XX/22 and all interest was taken away in addition to a penalty being charged. I believe this happened in error. 

3. I was informed it would be best to do a partial CD withdrawal and that if operations were to resume the following week, I could bring the Cashier 's Check back into the branch to deposit back into the CD however I was informed otherwise yesterday which is surprising considering it's " business as usual '' at the branches. 

Thanks and again I am in desperate need of your help!
Product: Debt collection

I have been trying to handle a medical debt with Professional Finance since XX/XX/2021. I noticed two Collection accounts on my credit report in XXXX of XXXX, I contacted the Collection company and all they did was send me " a validation " of my name and address on the collection. I then contacted XXXX XXXX XXXX they said they had no information on it it had been sent to collections, I then called my insurance company and they stated they never paid because the {$1500.00} deductible was never paid by me and the account was too old to pay now. The insurance told me to deal with the collection agency. I then called XXXX XXXX and said I would pay what I could on the deductible, they said they wouldn't take it. So, I then sent Professional Finance 2 more settlement letters. I still have not received communication from them. I have done everything possible to handle this and this is affecting my ability to establish credit. Furthermore, every month they are unlawfully re-aging this account.
Product: Debt collection

This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. 

This needs to be removed immediately.
Product: Debt collection

In XX/XX/XXXX I went for XXXX XXXX that I have done every 6 months to manage XXXX XXXX at XXXXXXXX XXXX  in XXXX, NJ within XXXX XXXX XXXX. XXXX XXXXXXXX XXXX in XXXX, NJ is In Network within my XXXX XXXX XXXX XXXX plan. 

XXXX XXXX processed the bill for that XXXX XXXX as if it was done out of state. Therefore, I was billed as if it was out of network for the full amount of {$290.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX regarding. They were very helpful and tried to process the bill again. XXXX wouldn't change the charges even though XXXX, XXXX XXXX XXXX, & I each completed a form to dispute the charges. 

That is when I paid {$30.00} online to XXXX so there was activity to prevent it going to collections. After that XXXX, XXXX & myself continued to dispute the charge with XXXX for a few months. They would not budge and that is when XXXX sent it to collections. 

When I received that bill from collections in XX/XX/XXXX I paid it immediately because I had no other choice & I didn't want it to effect my credit. {$290.00} for routine XXXX XXXX!!

Now I was applying for a mortgage and see that it did in fact effect my credit score a lot! That is not fair to a person who did all of the right things. 

I disputed the collections account on my credit to be removed or show that it is closed and in good standing, but they have not agreed to do that either. 

Contacting CFPB is my last attempt to have this situation corrected considering I was never at fault for not paying. I'm just tired of the medical insurance companies taking advantage of us! Because of them I had to pay {$290.00} for routine XXXX XXXX that was done in network. 

I hope CFPB can help me remove this incorrect rating on my credit with all 3 bureaus.
Product: Checking or savings account

The Fifth-Third Bank has blamed me for fraud and over-drafted my account and taken my funds or access to the account. This incident happened on XXXX, XXXX XXXX a check was deposited of XXXX from a job offer from XXXX XXXX XXXX XXXX Once i did deposit the check the next 24 hours funds were given into the account and the fraudulent charges were made on XX/XX/XXXX not report to the bank until XX/XX/XXXX due to the check being returned for insufficient funds and the charges over-draft my account Ending XXXX. Fifth Third Bank has been contacting me advising of a foreclsoure or reporting to collections and the credit bureaus for this balance. I have banked with them for over 5 years now and I did do as asked to report fraud as soon as possible.
Product: Mortgage

Complaint against Suntrust Bank. Suntrust Bank did not file the deed to take possession of property - XXXX XXXX XXXX, XXXX, GA XXXX - for 18 months after it was surrended to them via bankruptcy. Filing the foreclosure deed 18 months later has denied me the ability to refinance into a more favorable mortgage on my home. Suntrust chose NOT to file the deed to AVOID THE COSTS associated with ownership of the property. While I reorganized my life and put myself on a firm foundation, I am being penalized by Suntrust not following through on the court order to take possession of the property and file the deed in their name. Please look into this and advise if there is an avenue to remedy this situation. FHA in its loan approval guidelines goes off the deed transfer date and not the date of the bakruptcy discharge. Please call me if you have any questions. 

XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXXThank you
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. 

List of Unauthorized Inquiries : XXXX XXXX  - XXXX XXXXXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX  Ive reach out to both equifax and XXXX in regards to inquiries that I did not authorize in my credit report. Both via phone and Us Mail
Product: Student loan

I have contacted Dpt ED/Navi they reported on my credit that the loans, they were supposed to make the correction to my credit report as the loans are reporting two or sometimes more for the same amount. It was explained that they would make the correction, but as of XX/XX/2019, the updates has not been made. When calling I am getting the run around such as call SallyMae, then I am referred back to Navient. Which the Dept ED/Navi are the people reporting on my credit
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, I contacted village capital to get the Service Member Civil Relief Act. I called and sent several email. XXXX XXXX. I called their customer service and gave me a false email. I sent information on the general email and got a sales person. I refinanced with village capital back in 2020. They are not helping me with SCRA. I contacted them several times and it became frustrating.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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

**THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX XXXX XXXX. These accounts were reported " Verified ''. 
experian has provided no documentation to prove this. 
Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$7400.00} XXXX  XXXX XXXX Balance Owed : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a line of credit with XXXX XXXX XXXX XXXX of XXXX. Upon check my report with Experian I noticed they are showing the account closed. I have contacted them to have a the account updated. They mention that XXXX XXXX is reporting the information to them. I contacted XXXX XXXX and the account is open in good standing and has been since the date it was open. I have asked Experian to update the correct information and they have failed to.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX balance since XXXX XXXX, yet XXXX XXXX has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. XXXX is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. XXXX is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that XXXX XXXX has a XXXX   balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. XXXX still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Inquiry In Dispute In has violated my rights. 

I looked at my Trans union credit report on XX/XX/XXXX2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I used XXXX to try to transfer money from a XXXX XXXX  to a XXXX bank account - both owned by me. 
After putting in all of the information, it said my XXXX XXXX  would not comply.
Product: Credit card

I was deceived when I received this credit card and the conditions and offers that were told to me are not honored. My account should have been transitioned into an unsecured credit card by now. I was also told by several Supervisors at Citibank that they appreciate the loyalty I brought to my credit card account and they rewarded me on several occasions {$50.00} credits to my account for being so attentive and paying on time. But I have not yet received the rewards and upgrades that were told to me. Again this is systemic XXXX  and I have filed my complaint with XXXX because I am not getting the credit worthiness I deserve from these Banks. This is affecting my livelihood and I can not keep going on with this. I have called them more than enough times and Im not getting any where. I opened this account with {$500.00} of my own money and was promised after a specific time line. My proceeds will be refunded to me and I will be in a different card with a higher limit. This has been going on for some time now and nothing is happening. I'm not getting treated fairly. This is whole point in filing my complaint. That has not yet happened after all this time. This is not my first complaint, but Iwill continue to make my complaint until something different and new is happening in the best interest of my livelihood. I need your help please and thank you.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX about XXXX years ago. I now have XXXX in bitcoin in the account. I verified my identity successfully in XXXX when the laws changed and they requested me to. I do not use the account to trade I simply hold bitcoin in it. I have just had a XXXX and my husband and I are XXXX XXXX, so we now need to withdraw the money to put it towards a XXXX purchase. When I tried to do this back in late XXXX I was told that I couldnt move any money because my identity couldnt be verified and also that my account was now a XXXX XXXX only despite the fact that my funds in my Account. I raised the issue with customer care in XX/XX/XXXX and also sent them correspondence from XXXX proving that I had already successfully verified my identity. Since then I have received no meaningful response, the company just tell me that I need to wait and at some point they will get to my request. I have no faith that they will actually do this as it is now coming up to 6 months later with no luck. They did eventually give me a ticket number which is : XXXX. I have looked at reviews of the company and it seems as if it has been sold and is potentially now a scam. I am terrified that I have lost all this money. My email address is XXXX XXXX - sometimes customer service refuse to deal with me because the XXXX server comes up as XXXX rather than the XXXX that I created the account with.
Product: Credit card or prepaid card

This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. They denied me extending my credit for an Apple card even though I am the original creditor and extended my credit using my social security account number. Goldman Sachs and XXXX benefited from this transaction while I received no benefit. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I transferred {$3200.00} from my chase bank account to my recipient 's bank account in order to secure an apartment. The transfer was an international wire transfer from the US to XXXX. The amount was debited from my account and as of XX/XX/XXXX, the recipient has not received the funds. 

I have followed up with chase bank and they state they are unable to trace the funds and the wire transfer has been completed on their end. I have called on numerous occasions and visited the physical bank and chase has not been able to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan just reported ( XXXX XXXX ) a " 30-day late '' on an account for which I paid off the car loan with a trade-in with a local dealer in XX/XX/XXXX. How is that even possible? Plus, looking at the reported credit history, it shows inaccurate/false information ( i.e. three consecutive " 60-days-late '' marks between XXXX of XXXX. Since this latest " XXXX late '' is so egregious, I DEMAND each of these inaccurate late payments be removed IMMEDIATELY. XXXX  is obviously violating the FCRA and deliberately trying to sabotage my credit.