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

On XX/XX/year> at Suncoast Credit Union address XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX I went inside to deposit cash into my Suncoast checking account when the bank teller told me there was a flag on my account and since i was depositing a large amount of cash ( {$800.00} ) she didn't want me to risk losing it so she cancelled the transaction and handed me the cash back. 
I told her my main goal was to have it submitted to my XXXX account would i be able to do that and she said i could go ahead and use the ATM outside the front building. 
I went to the ATM entered my XXXX debit card, entered my pin, it asked what service i wanted i said deposit it asked how much i said {$800.00} then i inserted the cash and as the machine was counting my money the screen said that the transaction has been cancelled and no money had been returned to me. 
I went inside and XXXX the bank teller at the time that was helping me was busy so the XXXX asked how she could help and i told her the situation and she told me to take my receipt and XXXX will dispute the funds and start their own investigation since i was using a XXXX debit card. 
I notified XXXX regarding the issue and they denied my request for XXXX reasons : First they could not find the attempted deposit in their system and second they don't have rights to start an investigation with XXXX because they are not affiliated with them. 
I have emails back and forth regarding my situation and when i spoke to XXXX XXXX and XXXX in person they both expressed their was nothing they could do. XXXX stated she does not have access to the ATM no has access to any of the auditing and did not offer to find a solution to return or credit my {$800.00}. 
XXXX stated she wrote her dispute team and back office and is waiting on a reply. 
Here is a link to XXXX 's dispute notice. For some reason i can't save it to load it as a document. 
https :XX/XX/XXXX
Product: Debt collection

Debt collector made several calls to work associates and in-laws describing debt in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an FHA mortgage with Midland Mortgage and utilized the Covid relief program. I also applied for assistance with federal funding through the Arkansas homeowner assistance program. I was approved in XX/XX/XXXX and advised the mortgage company. After numerous calls to the servicer, they found the document dated XXXX in XXXX to authorize wire transfer of funds. XX/XX/XXXX transfer of {$16000.00} was made to the servicer. On XX/XX/XXXX, the servicer reported an increase to my mortgage balance of {$11000.00} to the credit bureaus. After numerous calls and emails the servicer finally " found '' the funds on XX/XX/XXXX. Those funds have just begun to get allocated to my mortgage on XX/XX/XXXX. I filed a dispute about the credit reporting with XXXX, but they verified the posting as accurate. Numerous requests to the servicer to correct credit reporting or explain fees added to the mortgage have gone unanswered. My mortgage payment has been increased due to an escrow shortage, which by their own mortgage statement should not exist. It appears a mortgage payment in that amount is expected on XX/XX/XXXX. I received certified letters on XX/XX/XXXX about foreclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial. Is show my auto loan as a charge off. It's not a charge off. I am making the payments to the XXXX  XXXX trustee XXXX XXXX XXXX. And XXXX  ( XXXX  ) I have attached a copy of my XXXX statement it shows not behind.
Product: Credit card or prepaid card

I keep getting text messages that my Citibank account has been frozen or that there are purchases made that I did not authorize ; all direct me to a link. Sometimes they ask for account info, sometimes they send an XXXX XXXX code. The punctuation and capitalization are often incorrect. 

However, I called my Citibank credit card directly and they said that my card is not frozen nor does it have any of these aforementioned charges. 

The texts are coming in on these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also on the do not contact list. Despite that, I have asked that they remove me ASAP, but no luck.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of Identity Theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$5000.00}. The second account in question is a collection account opened at XXXX XXXX XXXX on or around XX/XX/XXXX with a balance of {$6700.00}. The third and last account in question is a personal credit card at XXXX XXXX XXXX XXXX opened at or around XX/XX/XXXX with a balance of {$3200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a list of the fraudulent accounts. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Complaint as proof from the US Federal Trade Commission, proof of identity and evidence.
Product: Debt collection

XXXX Phone call. I stated that I needed documentation/verification of debt sent to me. I stated that I would not provide personnel information over the phone regarding debt or payment. They stated they were working on behalf of XXXX XXXX which I did not recognize and stated so. 

XXXX Phone call. Aggressive, attempted to intimidate me and kept cutting me off. Would not let me finish sentences and was threatening tone when I apparently used the wrong word for the item I had requested. Wanted me to confirm banking and payment over the phone. I stated that I still have not received the requested documentation/verification. I also stated that I would not pay blindly without the documentation/verification I have requested to safeguard that they were handling the debt. He continued to talk over me in the same aggressive manner and then hung up while I was speaking. 

I feel that this was improper conduct, aggressive tactics and and they were threatening to take actions.
Product: Credit card or prepaid card

My issues are two-fold. 

1. I applied for an American Express delta card to use the benefits and receive the XXXX airline bonus. I applied on XX/XX/XXXX and I had to spend $ XXXX in 3 months. This ended on XX/XX/XXXX, and I met the spending limit. I inquired on XX/XX/XXXX as to where the bonus miles were. I was told it would take 8-12 weeks after the review and the end of the billing period of XX/XX/XXXX, which would mean they should be applied by XX/XX/XXXX. I followed up again on XX/XX/XXXX and the American Express agent told me the same thing, the account is under review and it would take 8-12 weeks again. It is XX/XX/XXXX and there is still no action from American Express. 
2. I believe that they have their system set up to stop you from enrolling in automatic payments so they can collect late fees and interest charges. I can not prove it because their " system '' is the only tracking but I set up for automatic payments on XX/XX/XXXX. I put in my bank information, etc but it did not take on their side for some reason. I was issued a late fee and interest. I inquired on XX/XX/XXXX and I was told that, despite my setting it up it was " never turned on '' on their side. I can not prove it because it was all on their app, but why would I enroll in my bank account, etc? I am still getting " trailing interest charges '' this month, despite my insistence that they messed up.
Product: Credit card

When paying the Sams Club XXXX online, the authorizing screen switches to the minimum payment, typically {$25.00}, if you do not wait for the previous screen to fully come in before clicking to proceed. The only indication that it has not come in fully is a small circle still spinning near the top left of the screen. 
This has caused me and I 'm sure countless others to end up with unwanted finance charges. I complained to the company. They returned my fees, but I see they have not fixed their website and it almost happened to me again, today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair credit report, I am exercising my right to remove all errors from my credit report. This issue damaged my report. This is a defamation of character. It has impacted my reputation.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX, 2022 2022
Product: Mortgage

I have already submitted a complaint # XXXX. I was supposed to have a remedy within a 60 day period. Needless to say, the 60 days have passed and no response. The merry-go- round begins again. Please see what can be done and keep me informed, PLEASE!!! Thank you XXXX XXXX.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I refinanced my home and elected to use some of the equity I pulled out to pay down/off a credit card I have with Barclays Bank XXXX The title company title365 sent me a check in the amount of {$4400.00} to send to Barclays. One XX/XX/XXXX I mailed them said check. This was not the only company I did this with, so about a month later all of the other checks I mailed except for the one sent to Barclays had been applied to the respective accounts. I called Barclays on XX/XX/XXXX to inquire where my payment was and why it had not been applied. They said they would research and figure out what is going on and let me know within 7-10 business days. I subsequently called Title365 ( on XXXX XX/XX/XXXX ) to check to see if their check had been cashed, and they informed me that it had cleared as of XX/XX/XXXX. I then reached back out to Barclays to inquire about the status of my check being applied to my account, they said they had not found it yet, but they would escalate my case and gave me the case number of XXXX to track all of the activity. It is now XX/XX/XXXX and I called again today seeing that my payment still has not been aplied to my account with another " wait XXXX to 5 days '' and you can call back. I am blown away that a company whom I have spent a ton of money with over the past several years is soooo slow and incompetent. Any help that can be provided in resolving this case would be greatly appreciated. I let the representative I spoke to today ( XXXX a supervisor ) know that I would be contacting the CFPB.
Product: Mortgage

I have made two previous complains regarding Bayview Loan Servicing attempting to charge me for a major mistake they made in paying a cooperative which attempted a non judicial foreclosure against me. 
They were given notice in XXXX 2016 by the cooperative ( notice of default ) Bayview said, and did nothing They were given immediately responses from me denying that I owed the cooperative the money they sought. 
Bayview said, and did nothing They were then given two different notices of termination letters from the cooperative for each unit. 
Bayview said, and did nothing In XXXX Bayview received two notices of public foreclosure Bayview for the first time contacted me via XXXX XXXX XXXX ( XXXX ), who basically asks me : a ) if I was aware of the actions being taken by the cooperative, and b ) what I was doing about same. 
I informed him then that I was aware of same, and that I was filing legal papers to combat their claim, and further that I did not owe them anything of what they were stating. When I asked him what the bank was doing he informed me " the bank does not get involved with these type of issues '' and that I needed to deal with it. 
On XXXX XXXX I obtained a XXXX from supreme court staying the foreclosure. 
On XXXX XXXX the bank paid the cooperative an amount of money never requested of me. 
The bank at no time told me they changed their mind, or even informed me that they paid after the fact. 
It was not till XXXX XXXX that I found out the bank had paid an innocuous amount of money that had never been requested of me by notice or verbally. 

The bank has refused to provide me with certain information and has stated it provided information but failed to submit it. Proof is in Case number : XXXX and XXXX. 

They have tacitly admitted that there was a breakdown in communications between XXXX XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX ( attorney ) in XXXX 2016 however it does not make sense that they would wait till XXXX when they were on notice in XXXX of the claim by the cooperative and my response which disputed the matter. 
They continuously state that all negotiations must be done between the Bank but stated clearly by XXXX XXXX XXXX ... '' they do n't get involved with these issues '' It makes no sense. 

I have attached a copy of the assignment of collateral document. It seems to make no sense and looks like someone just made it up. It does not comport to any of the XXXX which clearly depict XXXX, XXXX, XXXX, XXXX XXXX XXXX as previous secured parties to Bayview and nowhere is XXXX referenced. 
Their information does not match, they fail to provide information requested twice previously which the documents seem to indicate they will provide but no reference to them is made nor attached ( e.g. leases for both apartments, stock share for XXXX, and XXXX is not clearly readable, recognition agreements for both units, full proof of succession for both units, etc.. ) The bank made a mistake and now wants me to pay for it.
Product: Debt collection

I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX  and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location
Product: Credit reporting

my identity was stolen and there are several fraudulent accounts on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report I noticed that XXXX, Transunion, and XXXX have been acting in a trustee capacity without my consent. They have been furnishing my personal information with regards to my child on their credit reports which is a violation of my right to privacy. The file is named XXXX XXXX XXXX, the furnishing of this information is unfair to me because it was never verified by me or requested to be placed on my consumer report. They have failed to exercise any investigation and have instead contributed information to tarnish my reputation. 

I would like to know what reasonable procedures where used to ensure fairness and authenticity in this reporting. 

In addition, XXXX has allowed for my information to be shared with various companies without my consent or consideration, a few being : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, all location information I wish not to be furnished on my consumer reports. 

I would have to demansd that all items mentioned be removed and reporting be done in a lawful manner.
Product: Vehicle loan or lease

I purchased a lemon used car ( XXXX XXXX XXXX ) from Chrysler Capital in XX/XX/XXXX. The loan was a high interest predatory loan. Also I informed them.of the misspelling to my name on the loan documents. The car caught fire in the first week I had it I ask for a full refund 2 days after buying the car but was refused. The car had to under go 10 ton 12 repairs within the first 2 months I had it. I also received several manufacturer recalls in the mail during this time. This car was dangerous from the start and indangeraded my entire family. 
The car eventually stopped running in XXXX XXXX, CA and I reported that to Chrysler Capital. I have communicated by phone, emails and certified mail to resolve this issue. The auto loan was sold from Chrysler Capital to Santanders in XXXX without my knowledge or consent. As mentioned above Santanders was involved in a class action settlement/lawsuit due to their involment of predatory lending. I was informed that I was to receive mometary damages and the title to the car within 6 months. It never came. To date I have paid {$17000.00} for a car that never worked. I have been attempting to get the title of my car released but Santanders will not release my title. I DO NOT have a contract with Santanders and any information from Chrysler Capital was given to this entity without my consent. I am still receiving DMV notificatioms for registration fees.
Product: Checking or savings account

My husband and I opened new joint checking and savings accounts with Capital One between XX/XX/XXXX and XXXX XXXX. Over the next month, we began transferring our funds from our other banks ( XXXX, XXXX, XXXX ) to Capital One ; the sum of those transfers was appx. {$15000.00}. 

After our wedding in early XXXX, we virtually deposited multiple checks we received as wedding gifts totaling ~ $ XXXX without issue. Over the next few days, we received email confirmation that the checks had been successfully processed. 

On XX/XX/2023, we received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity ... Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' We spoke with a customer service representative that day ( XX/XX/XXXX ) who told us our account had already been closed but we were not told why. Over the next month we called multiple times and left at least 2 voicemails at the number sent via email email but did not receive callbacks. We received a letter from Capital One around XX/XX/XXXX stating that one of the checks we attempted to deposit was flagged as " altered or fictitious '' so we assumed this was why our account was closed. ( We did not alter the check and have the original check still, which appears to us as normal. We also contacted the person who gave us the check who said it was flagged by their bank as well and they were unsure why. ) However, we have still not received further communication or our money back from Capital One. 

Today ( XX/XX/XXXX ), we messaged Capital One customer service at XXXX and got ahold of a representative who gave us a direct service line. The person we spoke to told us that our account had been closed but did not state a reason but that we would not get access to our money until our account had been investigated. She told us that an investigator had not yet been assigned to our case. She was not able to give us any information about when we would be able to access our funds or information about when an investigator would be assigned or when the investigation would be complete. It has now been more than 3 weeks since our account was closed and we have no idea when or if we will be able to access our money and no specific contact point within Capital One to track this process.