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

On XX/XX/XXXX, l had inform the bank wells fargo that l had authorized the transaction shown on my bank account on XX/XX/XXXX as the sum of {$99.00} and quickly objected to the dating service by dream singles. The bank had in a letter from the bank, letter of date of XX/XX/XXXX inform me that the {$99.00} provided to me on XX/XX/XXXX provisionally because of the transaction that had occurred on XX/XX/XXXX will be deducted from my checking account on XX/XX/XXXX, that had occurred because of the bank reversal of the sum of {$99.00} for the service, dream singles. The letter the bank had sent to me had went on to say that, if l have questions or would like to take advantage of my right to request copies of the documents that well fargo had relied on in making their decision l can contact the bank, wells fargo. When l had contacted wells fargo, l was inform by the customer service representative that. It will take up to 30 days for the bank to provide to me any of the documents, the bank had relied on in making the decision concerning the transaction posted to my checking account on XX/XX/XXXX. Which is a violation of any law of any nation and the rule of the federal deposit insurance commission and of the consumer financial protection bureau that would require any evidence that was use in posting a bank account transaction and in making any decision involving a bank account transaction or atm withdrawal involving a pin number so as, to verify that any of such transaction was made to be supplied immediately because the transaction was posted on my checking account by the company, wells fargo bank for the accuracy of any transaction stated on the checking account that l have at the bank, wells fargo. Any of the dating service company mention in my letter, had said that any member can cancel his or her membership without notice.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX : Transunion use an account that was closed and part of a bankruptcy case to decrease my credit score in excess in an unfair way that decreased my credit score by XXXX points. This was unfair discrimination, retaliation behavior in a recent dispute on my credit report and this action Transunion did was not reasonable. In comparison to a recent change to my credit report with this agency I paid down a credit card account significantly. Transunion didn't increase my score fairly as to the same magnitude and fair as they did based on how they decreased my credit score. I feel this type of action on my credit report was discrimination and negligent. They failed to exercise proper care or taken action that is reasonable in regards to my credit information in which that is negligent, retaliatory unfair discriminant behavior. 
Negligent Violations Willful Violations
Product: Credit card

Take a look at the attached documents. I wish for the bureau to begin an examination of these accounts, as I am consistently punctual, yet they inaccurately depict me as late.
Product: Money transfer, virtual currency, or money service

-check for {$4000.00} was written on XX/XX/XXXX to me from my uncle from my grandmothers estate as he is the administrator, This check was coming from XXXX XXXX -I deposited the check on XX/XX/XXXX into Chase. I have an existing checking account. I never had any accounts at XXXX. 
XXXX XXXX I got an email about fraud from Chase so I called at XXXX XXXX  that night to see what there is that I could do there was no resolution Other than being told that the check was deposited more than once. ( Which it wasnt ) XXXX XXXX called again spoke to the company about how to resolve this and was told the only way is XXXX verification through phone number and if that didnt work that he could recant the check through XXXX -Went in person multiple times to both XXXX and Chase to figure out why the check had problems and was told by both banks that the money had left the account at XXXX and I could no longer recant The check, the funds were now at Chase XXXX XXXX XXXX Uncle took all the steps to get XXXX verified as per chases request just for all my access to my accounts to be shut down the same week -On Saturday, XX/XX/XXXX, my local branch manager called XXXX fraud department at XXXX and was told that the money left and the funds should be released in a few days to XXXX XXXX XX/XX/XXXX, this was proven not to be true as my uncle and I went to XXXX to see if the funds arrived at XXXX to find they hadnt -I was told by Chase through calling the fraud line on the same day that my money would be held indefinitely if he cant be XXXX verified over the phone -This is all after the bank manager at XXXX verified with the XXXX fraud department that the check was only deposited and withdrawn once -On XX/XX/XXXX, a worker at the XXXX branch called fraud and was told that the money cant be released even though the number they called was verifiable, but no longer in service -uncle and I both offered to provide any documentation that can get him verified i.e. Social Security card, birth certificate, New York State, drivers license and employment documentation as well as paystubs and mail all of which were denied -uncle and I also offered to go in person to a chase headquarters branch where there could possibly have autonomy over the money and was also denied that -I asked for XXXX legal number and was denied that -Before this case got to the escalations department, I asked for that number and was denied, but finally worked my way up into that system -this XXXX verification seems like An unreasonable system that is a ploy to just have funds stuck in their accounts, so that consumers can no longer receive their funds. These verification systems in place do not allow the consumer to receive their funds due to the almost impossible means of getting verified. Although we live in the 21st-century there is plenty of people that do not have cell phones or home phones, and this way a verification just seems fraudulent.
Product: Credit card

A total of XXXX fraudulent charges again my Compass Bank credit card on XX/XX/XXXX & XX/XX/2015. 
I and the additional card holders all have the credit cards under our possession, but there are XXXX fraudulent charges in XXXX, Texas.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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

my loan was sold to NewRez. I paid my XXXX payment on the XXXX of XXXX but sent it to the wrong servicer. NewRez has two companies that service the loans they buy. XXXX and Shellpoint. I sent the payment to Shellpoint but it should have gone to XXXX. Shellpoint did not forward the payment to XXXX and has not returned my {$1700.00}. 

Shellpoint has admitted they have my money after I sent them proof that they received the payment through XXXX XXXX  by check, they have not returned my {$1700.00}. 

Now some confusion comes in because there are 3 people on title. Although the statement only has room for 2, my name is not reflected on the statements. But I am the managing partner and I deal with all the payments. 

At this point in time, I am at a loss of what to do. Maybe if the CFPB gets involved, it will force them to return my money. 

Please advise, XXXX XXXX XXXX
Product: Mortgage

Hi, I'm trying to close my Escrow account since the mortgage bank BSI financial is indeed very screwed up and didn't include the school tax payment on the 2021 year, I paid it up and now have a XXXX balance on my escrow but they won't close it for no reason, since I never missed a single payment and paid up my escrow balance I would like to pay directly to the town, village, etc. They approved my fresh appraisal, which reduced my XXXX to less than XXXX  %, yet they refused to close my escrow account. 


They have been really tough to deal with since the beginning.
Product: Credit reporting or other personal consumer reports

Transunion refuses to provide information from their investigations on any of my disputes. I was told that I needed to contact the collection company myself, even though they are reporting it as accurate. When I asked how did they verify and to provide the information used to determine the accuracy they have not done so
Product: Credit card or prepaid card

Received a bill fromIkea Projekt on XX/XX/. I do not own this card. Upon calling the company they are handling it through their fraud division. They also found another card from The Childrens Place taken out in my name which they closed, that also had charges already on it. I do not own that card either. Just received The Childrens Place card in the mail yesterday. I was told to file this report & will be filing a report with my local police.
Product: Debt collection

I have received a collection notice from Gulf Coast Collection Bureau attempting to collect an unspecified debt and misleadingly portraying itself as a government entity through its company name and statements. I encourage the CFPB to review past complaints from about this company. Gulf Coast Collection Bureau has not provided any of the documents that I requested. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Agreement with your client that grants Gulf Coast Collection Bureau Inc the authority to collect this alleged debt. Forward Flow Agreement. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Provide me the Bonding agent as well!!
Product: Mortgage

I am working with SLS and trying to get approved for a short sale. They are requiring my Real Estate Broker and Escrow Office to show a credit to them for proceeds received at the close of escrow in an impossible manner. My Real Estate Broker has tried to resolve the issue with their management but to no avail. If this short sale is not approved, the only other option available is foreclosure and I want to exhaust all avenues before that happens.
Product: Mortgage

I have been trying to go through the XXXX process for my home loan after getting a XXXX. The Mortgage XXXX, XXXX XXXX, has assured me that I can do this for my loan. The Mortgage XXXX, Mr. Cooper, has been giving me the runaround for over a XXXX. It started with them just ignoring my request to discuss assumption and just spamming me with the refinance phone number. Once I finally got them to acknowledge my request in XXXX of XXXX they sent me documentation and a list of requested documents. They specifically said if you have questions email their Assumptions team. I had questions, emailed the team at the provided address and they replied we don't answer this email, call customer service. I called customer service and they told me they can't answer questions for the XXXX team, only the people who get that email can. I submitted all the documents I could. I followed up with Mr. Cooper and finally got a person on the phone to talk to. They confirmed that I needed to send another document so I did. They confirmed I had provided all the documents requested and said they would follow up with Assumptions and a XXXX would call me. No one called me. I received a letter stating I didn't send all the documents and they are cancelling the process. I called back again, got a human being, they again confirmed that I had sent everything they asked for but again no progress. They are deliberately stonewalling my efforts and are not sincere about completing this process.
Product: Credit card or prepaid card

I applied for a XXXX  XXXX credit card in XXXX of 2020 and made a purchase at that time and the items i placed the order for were all on back order until XX/XX/2020. I had canceled most of the items on the order because i found the items elsewhere. I left 2 desk chairs on my order that i still wanted, however those were still on back order and i was still waiting on them. Comenity bank billed me in XXXX and i called to ask why i was being billed for items that still showed on back order and i had not received yet. I didnt understand how i was expected to pay for something that was on back order. The representative at the time could not give me an explanation as to why they had done that and my items at that time were still on back order. To avoid being billed i asked them to cancel the order because I didnt want to pay for a product I didnt have and was not available. They proceeded to cancell my order however they continued to bill me for items that i did not have. I have called them several times to resolve the issue and end up spending over 2 hrs on each phone call and i have probably called about 5 times in which comenity and pottery barn kids have both told me the problem will be resolved internally and I should not worry about it. Then i end ip getting a bill again to a product that 1. ) was on back order 2. ) I canceled 3. ) I never received the product but they keep billing for it. Im very frustrated at this point. I have filed 2 complaints with them and they have gone nowhere.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 USC 1681 section 602A : states I have the right to privacy 15 USC 1681 section 604Ab section 2 states that a consumer reporting agency can furnish a account without my written instructions 15 UMC 1681 c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 UMC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or has reasonable cause to believe the information is inaccurate I have also reported identity theft and requested original contracts and have not heard nothing but it's being processed disputes because these accounts I have no idea about
Product: Credit reporting, credit repair services, or other personal consumer reports

they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late  because I was not
Product: Credit card

I applied for a Quick Silver credit card with Capital One which is for people with Fair Credit as reported on the web site. I was declined based on information they stated is from XXXX credit bureau 's, ( letter Attached ). 
I have contacted both bureau 's that are listed in the attached file and both are saying Capital One 's information is not correct based on the reasons they list. 
After contacting Capital One 3 times asking them to please review my application again and explaining the reason they continue to decline me for the same reason as stated in the attached file and continue to state that that information they have from the XXXX credit bureau 's. 
I presently have NO past due accounts and have XXXX revolving credit accounts to include a ( Capital One 's account since XXXX ) which was given XXXX credit line increases since opened, the last XXXX was in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Credit reporting or other personal consumer reports

XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account XXXX XXXX XXXX XXXX XXXX  for violations of FCRA XXXX XXXX for RE : Insertion of Account with no notice within 5 days of Re : Insertion. XXXX XXXX is violating specific laws continuously 15 USC 1681 ( XXXX ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( XXXX ) ; 15 USC 1681 ( i ) XXXX ; 15 USC 1681 ( XXXX ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. 

This is a last ditch effort. I have filed multiple complaints with the XXXX, CFPB, and, Equifax, XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non-response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ive randomly been receiving bank statements in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX about accounts that were opened in my name. This was very weird because Ive never had an account with this bank or any of its parent companies, nor did I grant permission for anyone else to open this account. I have recently been a victim to identity theft due to a recent data breach. I believe this account was fraudulently opened as a result of such events as well. I ask that you please immediately erase and delete any accounts tied to my name since I am a victim of possible related identity theft. I shouldnt be held responsible for any accounts that I didnt authorize. Please have this corrected immediately! 

Account Not Belonging to Me : XXXX ACCOUNT # ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX, and XXXX ACCOUNT # XXXX