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

Problem is with Citizen 's Bank Customer Care and Care Policies in Cases of Bank Error. 

Call to bank [ Citizen 's Bank ] to correct problem : XXXX XXXX ( or XXXX ) XXXX  ( Not the first time this has happened ). 

PROBLEM : I decided to use the " Bill Pay '' option at this bank, the service is called XXXX. I set this up back in early XXXX. The person who was setup to receive a Bill Pay Check did not get the check which the service said was delivered XXXX XXXX XXXX Another check was sent in early XXXX and was verified by the bank as a completed transaction. The Payee did not actually receive either check. The checks were lost in the mail. 

I called support to resolve the situation and to put Stop Payments on both checks. Currently I was able to do so for the XXXX XXXX XXXX  check. 

Support at Citizen 's Bank National Number is essentially non-existent. All of this happened to me a few years before though I forgot about that at the time. XXXX was the actual bank denying service to me on account of this conditions. 

The bank ( National Support Phone Center Number ) - Citizen 's Bank, did put the stop payment in place and charged me {$32.00}. I tried to have the charge removed explaining this was a bank error but the support rep disagreed and said that was not possible. I asked to speak with a supervisor. Instead of being transferred the tech stayed quite on the phone - tried explaining again what their policy is despite it being a bank error. Bear in mind their records indicated the checks had been successfully delivered. 

I called back after getting nowhere with this tech and the next tech treated me the same way. 

I ended up calling the branch office where I opened my checking account and the teller ( XXXX ) was able to credit my account. 

I never did get a chance to put a Stop Payment on the XXXX check. There is a dispute about whether or not I should have been charged a fee that the teller was going to look into. 

The other problem, again I asked to speak with a supervisor and was ignored is that a Stop Payment of this type shows up like a " Bad Check '' to other banks like XXXX. This NOTICE by default remains on a client 's account for 6 months during which times other banks ( like XXXX ) will refuse to be of service. 

There was no solution or policy in place for a banking error such as this complaint asserts. This is why I haven't put a stop payment on the XXXX check, both for the fee they charge and the dispute about the 6 month condition. 

S
Product: Credit reporting or other personal consumer reports

ASKING EQUIFAX TO DELETE THIS ACCOUNTS ASAP, THOSE ARE NOT MINE DELETE FINALLY SO I CAN START MY CREDIT BUILDING. XXXX XXXX : XXXX. MUST BE DELETED ASAP
Product: Debt collection

I have been summoned to court by this law firm. I have requested debt validation and when I called to speak with the lawyer about a settlement on XX/XX/2018 at XXXX Central I was speaking with someone who could not help me. She explained that my file was locked and she could do nothing about it. I explained that I understand the policy but can I then speak to the attorney handling the case. She said that she could transfer me to a manager. I explained that I wanted to speak to an attorney, I asked if she worked for the law firm and could she just transfer me to an attorney. She then transferred me to a " manager '' that is just a voice mail. So far I have had no chance to communicate with the actual attorney handling my case and have been passed around call centers acting as the attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting the below referenced accounts on my credit report as a collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank I have disputed these items with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Product: Debt collection

My Name : XXXX XXXX My Social Security Number : XXXX My Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of An auto loan account opened at XXXX XXXXXXXX XXXX XXXX ( Private account number ) date opened : XX/XX/XXXX ). A credit card opened with XXXX XXXX XXXX  ( Private account number ), date Opened : XX/XX/XXXX. A collections account listed with company XXXX XXXX XXXX ( Private account number ) Date XXXX that appears related to the aforementioned credit card account. An collections account listed with company XXXX OF XXXX ( private account number ), date opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was laid off from my job. We had to make late payments on our home. My wife and I applied for a loan modification on XXXX of XXXX from Shell Point mortgage. We filled out the forms Shell Point requested. XXXX came with no contact from Shell Point. I called them and was told that I did not send all paperwork needed to process the loan. I have e-mails showing where requests were made every month for same paperwork. Shell Point informed us month that all they could do was offer a repayment plan. We would have to pay XXXX dollars in one month or lose our home. We are two months behind. I have a job and am trying to catch up. I think I have been mislead by Shell Point. We have had three different loan specialist. We were even told verbally that we approved for loan modification. He was replaced and our third specialist was assigned to us.
Product: Credit card or prepaid card

My vanilla gift card got charged for something called XXXX. It took the rest of the money i had left.
Product: Debt collection

XX/XX/XXXX the XXXX XXXX XXXX XXXX posted my social security card XXXX and everybody seen since then someone put a XXXX in my name that I didnt purchase I want this disputed and off my credit report
Product: Checking or savings account

I opened my Bank of America Advantage Banking Checking account on XX/XX/2019 under a {$100.00} promo. The promotion promised {$100.00} after two qualifying direct deposits were made that were equal or more than {$250.00} 90 days after opening the account. This requirement was met quickly, within two weeks of opening my account my direct deposit was switched over by me employer. The deposits exceeded {$250.00}. After the deposit requirement was met, the promotion was to pay out 60 days afterwards. I called the bank to inquire and I was told that they do not know. To date this payout has never been paid.
Product: Checking or savings account

See previous CFPB case XXXX that was opened on XX/XX/year> regarding fraudulent charges on Truist checking account XXXX. Truist subsequently retaliated against their customer for filing a complaint with CFPB and the NC Commissioners of Banks by involuntarily closing the XXXX and XXXX accounts on XX/XX/year>. The total estate funds of ~ {$79000.00} have not been received by XXXX XXXX XXXX as of this complaint on XX/XX/year>. This retaliation has caused an undue hardship to the XXXX XXXX XXXX XXXX as there are no access to funds to pay for expenses related to the estate, beneficiaries, etc. due to the continued callous and retaliatory treatment by Truist Bank.
Product: Mortgage

Specialized loan servicing has taken out biweekly XXXX since inception of the loan. They do not know how to properly apply the funds. When I had XXXX XXXX- they immediately applied them to the loan and pushed out the next due date. XXXX puts them into an unapplied funds suspense account. I have never been late- it isn't possible... they pull the XXXX. Overnight- my credit went from XXXX excellent to XXXX fair because they reported me as delinquent. I am on my loan details- there is nothing past due. Next payment due date is XXXX. I have complained to them MULTIPLE times about how they mismanage funds. I need my credit fixed immediately - I have never had a delinquent payment on any account. I am supposed to purchase an RV next weekend, and now XXXX has caused me financial harm. I am handcuffed to them because of i have a 2.5 % APR. I can not move without causing more financial harm, but they are awful.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX in XXXX of XXXX from a XXXX XXXX. I financed this vehicle through Chrysler Capital. The loan was paid in full in XXXX of XXXX. I have letters stating the vehicle was paid in full however none are signed or notarized. I had tried to sell/transfer the vehicle to my daughter in XXXX and discovered that the secretary of state will not accept the documentation I do have to release the lien on the vehicle. I have called XXXX XXXX several times since then and also paid a fee to XXXX XXXX to get a clean title or signed release of lien letter so that I can remove the lien from the vehicle but have not been able to rectify the situation. The dealer that I purchased the vehicle has changed hands and was unable to help either.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMCOL system Acc # XXXX Amount {$480.00} It shows delinquent It should be paid by my health insurance Company stop billing me and report the account to the credit agincy Please remove this account from my credit report
Product: Mortgage

Dear XXXX  : A couple weeks ago, I received a loan payment packet in the mail from TIAA Bank. I don't bank through TIAA, but it included mortgage loan payment coupons, envelopes, and other information that are very misleading. They made it sound like my loan ( which is a Reverse Mortgage that I pay payments on monthly through XXXX XXXX XXXX had been converted to a loan through TIAA. The loan coupons covered XXXX, XXXX, and XXXX, so it looked like I was behind in payments. I tried calling them multiple times, but just kept getting recordings. I finally reached a person that was with a collection agency, and he asked for the loan number. I responded with the loan number that was on the coupons, and he said the number would start with a XXXX. I told him it was all the information I had, and that my loan had been with XXXX XXXX for about 3 years. We hung up and I called XXXX XXXX. They informed me that my loan was still active with them, and was not in default. The person I spoke with also told me the packet I received was a ploy to get me to move my loan, and had I sent a payment to them, they would have transferred my account automatically. That's really dishonest, and had me in a total panic, thinking my mortgage loan was in default and in jeopardy of foreclosure. I'm XXXX XXXX XXXX, and I don't need that kind of stress. Please stop TIAA Bank from this practice, which I think should be illegal, if it isn't already. 

I took pictures of the items in the packet I received, copied them to a XXXX document, and tried attaching them. Your system says the document is too large. Is there an e-mail address I can send them to? 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX {$4200.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

The online company is called Coinbase.com. I sold my bitcoins onXX/XX/XXXX. That 's the date coinbase is showing as the transaction as complete. Coinbase promises 4-5 days for it to show up on my XXXX XXXX XXXX account. It 's nine days now and no response from Coinbase after I emailed them. My account name is XXXX Amount of money due : {$1900.00} Transaction reference number : XXXX Can yu help??
Product: Credit reporting

I own many rental properties, and nearly all have washer and dryers for the tenants. We needed a washer and dryer for a unit so I went to XXXX to buy them on XXXX XXXX, 2015. The sales clerk advised me that I could save 5 % if I immediately opened an account. I did so. Upon receipt of my bill, {$3200.00}, I paid the bill in full by sending a payment to XXXX. 
Now I see on my credit report that XXXX is claiming I failed to pay on time and that I failed to pay a late fee. I was never advised that my payment was late, and did n't know of the issue until I recently received my credit report. I want this deleted from my credit report.
Product: Credit reporting or other personal consumer reports

My credit report is showing a charged off account from XXXX XXXX. According to the FCRA I was suppose to receive a 1099c form which I never received so I am requesting that form. This account should not be being reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they are also violating FCRA 15 USC 1681eb for reporting information that is not XXXX XXXX accurate. This account needs to be removed immediately.
Product: Mortgage

New Rez account # XXXX XXXX XXXX- they took over my account last summer. XXXX XXXX I made a payment but apparently the payment address for the ACH was changed. I have XXXX  XXXX XXXX ( XXXX ) cancel that payment and reissue to the new address on XX/XX/year>. New Rez said they didn't receive it. XXXX faxed them proof of them cashing the chk on XX/XX/year>. I called yesterday, they confirmed receipt of payment AND DID NOT APPLY IT TO MY ACCOUNT and said their was a ticket opened to find out where my funds had gone. They charged me a late fee!! 
On XXXX XXXX I made my payment- it went to the wrong address - a XXXX mistake. XXXX cancelled that check and reissued an ACH to them on XX/XX/year>. New Rez has still not processed that payment either. 
I have spoken with 10 different supervisors - I can list all the names if needed. Nothing has happened. They never call me, never follow up and I am spending two hours a week trying to get to the bottom of this. 
Are they trying to steal my home from me? I am a senior!! 
Please assist, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested by mail numbers times that XXXX, XXXX, and ARS provide me the information they have on file for me. I still have not received this report.
Product: Debt collection

My mother was contacted in XXXX of this year concerning a medical debt that was filed 2 years ago by a physicians billing. The lady told my mother that she knew she was my mother - that she knew where I lived and worked- and if I didn't pay my debt that they would send someone to my job to collect. Not only did they call my mother but they called my dad 's work phone stating he was dad and that he had to notify me of my debt. Then they called my brother who is married and does not live in the same home telling him the same thing. I did not appreciate that they shared my debt with my parents and brother. Besides this debt was medical bill that never should have been sent to collections in the first place which I tried to explain to the lady. I have been on south carolina  XXXX for 14 years. In south carolina you can not bill a XXXX patient. So I have no record that they ever sent me a bill. They apparently turned it over to collections. When I called the debtor I was told that I have a zero balance with them. I have talked to them and asked them to remove this from my credit report as it dropped my credit score immediately when they filed. I do not owe this debt and I have told them this but it is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i had a hard inquiry on my credit report that I have no knowledge of I called this company and gave them my information and was told that nothing comes up with my info. I would like to have this resolved and have you this company report to the credit bureaus and have this fraudulent reports off my credit report which is dated 2021
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$440.00}. 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 copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

Subject : PPP application not been reviewed by Bank of America I filed for Paycheck Protection Program around XX/XX/2020 and Bank of America ( SBA Lender ) didnt review my documents until XX/XX/2020. By this time SBA has stopped accepting PPP applications for approval. On XX/XX/2020, I was informed that my documents were not complete. As of today it has been a week and my documents have still not reviewed. Bank of America is running out the clock for second time on my PPP application. 

Request Kindly assist in compliance with CARES ACT and review the documents for submission to SBA for approval.
Product: Bank account or service

We had suspicions charges on our checking account by a hotel that we stayed in using XXXX. We reported the claim to Bank of America. Bank of America 's investigation consisted of calling the thieves only. We had a call scheduled with BoA that XXXX was on with. BoA never showed up, and deducted {$900.00} from our account, ruling for the criminals. My wife had a XXXX scheduled for today that we are unable to pay ; we can not see if she has XXXX now. Our account is overdrawn, and BoA refuses to put the money back. We have XXXX XXXX and are unable to feed them. This is a life threatening situation that resulted out of BoA 's incompetence and cruelty.
Product: Bank account or service

On XXXX/XXXX/XXXX, My wife withdraw from ATM ( Bank of America ) {$200.00}. 
ON XXXX/XXXX/XXXX bank of America deduct from my checking account {$150.00}, I call to find why. 
they said, is, because the ATM give to my wife {$350.00}, The transaction is recorder as a {$200.00} but my wife receive {$350.00}, after more the 2 months ago, I have no proof, And I do n't what else I have to do to resolve this problem. I been in contact with the bank, but nothing is been done to resolve this situation.I been in the phone hours trying, telling them ta My wife just receive $ XXXX.hoping somebody can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chase to request a credit limit increase on my credit card. I was told that for the increase there would be a hard inquiry. I asked what bureau did they pull from. I was advised by the agent that it would be a hard inquiry from XXXX  only. I made sure to ask this because I did not want a hard pull from my XXXX or XXXX accounts. Once I got off the phone, I realized that indeed the agent pulled from ALL THREE bureaus. This went against what I was told and I immediately contacted Chase to inform them. I was told that it would be reviewed and I would be contacted with results. I was contacted a few days later by a Manager, whom told me that they review the dispute along with the phone call and they agreed that I was told misinformation ; however, they still were not going to get the inquiry removed from all bureaus. I think this is not ethically correct on their part. Because I was told misinformation, I ( the consumer ) am effected negatively. They told me that they would educate their employee on this to prevent it from happening again but that still does not resolve MY issue. Please assist with this issue.
Product: Debt collection

I have discovered that Discover Bank is reporting an account and balance on my credit reports that does not belong to me. They sent me a letter advising that this account will be removed ( XXXX ), but they have not done so. They are harassing me with phone calls day and night, despite the fact that I am on the " do not call '' list. They continue to violate many rules and regulations.