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

On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

I was switching from XXXX to TD Bank because my ex wife had access to the account and to protect myself and money i needed a fresh start. So I wrote XXXX valid checks to transfer funds. Without my consent or knowledge my ex wife withdraw all my funds and i became aware of this when my First Deposit came back from TD Bank Informing me of the situation. I than went into branch informed them of my situation and had to file claim to cover myself. Along with those Deposits my uncle XXXX XXXX endorsed his check that he received for {$15000.00} on XX/XX/XXXX they placed a XXXX hold on check which Is understandable considering the other situation. The check cleared but they ended up closing my account holding on to my funds. I had to get a power attorney from my uncle stating I had permission they still didn't accept it. My late father is the originator of the Check and he past away due to XXXX & the Rep from TD Bank told me they needed to see my fathers Death Certificate which II felt was out of line. They have since erased the account out of there system and transferred my funds to a internal Account and has been sitting there. When I call and give them the account number the Customer Service Rep. have no record of this account only two other accounts I've had in past. I honestly Want the funds returned to me because they don't belong to TD Bank. The Money Cleared Account number with TD Bank I'm speaking of is XXXX. After the fees they Charged the balance in my account was around {$14000.00} Its not the exactly amount but i know they deducted a little over {$200.00} from the {$15000.00} to cover the fees from other transaction. 
As detailed as I am you know I'm telling the truth
Product: Mortgage

My mother passed away in XXXX of 2022. At the time of her death, she had an FHA secured home loan, which is currently serviced by LoanCareXXXX XXXX XXXX. There have been several attempts ( via phone and email ) to reach out to the company regarding Mortgage Protection Insurance, but as of today, I have not received any updates regarding this request. The company only wants to receive payments, but has not provided me with an answer as to if my mom 's home was secured with Mortgage Protection Insurance. My siblings and I are aware that they offer this insurance and our mother confirmed that she had this protection in place as well before she passed away. The dates of communication to the company were on XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Email ), XX/XX/2022 ( Phone ), XX/XX/2022 ( Phone ), and XX/XX/2022 ( Phone ). 

As requested from the company, my mom 's death certificate was provided and I was originally told that they would speak to me regarding Mortgage Protection Insurance once the documents were provided, but since that time ( XX/XX/2022 ), they have refused to discuss anything with me about the home, unless I am making payments on the property. I have contacted both companies as they have consistently sent me back and forth between both companies to get answers. My XXXX younger siblings and I have done our due diligence of continuing to make the full mortgage payments, but we are running out of time ( we believe ) to keep my mother 's home. We believe that this is a tactic from the Loan Servicer to stall and not provide the information that I've been requesting for a few months now in an attempt to foreclose on my mother 's home.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote three certified letters and sent them out on the XX/XX/2022, to XXXX, XXXX and Experian with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem. 
How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you
Product: Vehicle loan or lease

An unauthorized vehicle loan that has been taken out in my name. I have recently discovered that a used vehicle loan was obtained without my knowledge or consent. This appears on my credit report as WESTLAKE FINANCIAL SVCS. This was opened XX/XX/year> for {$19000.00}. The balance is now {$17000.00}. I have no knowledge of this account.
Product: Student loan

A request was submitted ( XX/XX/XXXX ) and recognized for waiving the fee assessed in document ID XXXX for account XXXX due to payment accepted directly by XXXX ( XXXX account XXXX ) at XXXX XXXX XXXX ; XXXX XXXX XXXX IL XXXX per XXXX contract on XX/XX/XXXX in the amount of {$43.00} - XXXX XXXX XXXX XXXX confirmation number XXXX ( XXXX account XXXX ). ( Future payment was routed through XXXX. ) Payment was refunded and the fee not waived. 

XXXX XX/XX/XXXX A similar fee was assessed seemingly for no reason. An appeal was raised and is pending ( XXXX XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Victim of Identity Theft. This Account does not belongs to me. 
I did Not give anyone Consent to open this Account. 
this Account, That is on this Report is Fraud
Product: Payday loan, title loan, personal loan, or advance loan

Filed billing dispute with this company in a timely manner, the overseas merchant is not helpful in processing the refund. The case ID is : XXXX I have significant proof that the merchandise has been returned which includes : delivery confirmation and an initial receipt of {$280.00} showing delivery charges paid to XXXX XXXX to ship the package back . I also paid additional to have delivery insurance on the package. 

On XX/XX/year>, the merchant sent an email claiming my return has been received.
Product: Vehicle loan or lease

I tried to explain the extra amount I have included in my monthly payments should have been applied to the principle but the person I was speaking with wanted much more detail. I think they intentionally do that to avoid the loan being paid off early. They keep moving my payment due date out instead.
Product: Mortgage

Error Icon Message not delivered There was a problem delivering your message to XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX Date : Wed, XXXX XX/XX/XXXX XXXX XXXX Subject : Please help me with my mortgage. 
I have enclosed this letter tp you ; I have all paperwork involved in this. I sent it to my XXXX lawyer for my dire need to appeal my denial with social security XXXX. I have already had a loan modification with Wells Fargo in XXXX ( which I think they messed it up and charged me forcloser fees but I never was in forcloser. The fees are over {$1400.00}! ). They have also put a stipulation in my loan saying I can't get any assistance from any financial institution for it will put my accelerate my loan ... I don't know what else to do. My XXXX and other medical conditions can't take much more of the XXXX. My husband has a part time job that is also a on call type and he only brings home about {$250.00} month. He had a job but was let go due to his pay interfering with their profits ( their words ). I have already asked relitives, of which I did get money and put {$800.00} towards my mortgage but it seems that's not enough. Please help us not lose our home. I have lived here about 13 years. Thank you. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have desputed this item with the collector multiple time and have tried to remedy this multiple times. Please provide the following information. Please send me a copy of the contract with my valid wet signature. Please send me proof of the calculation of the amount of which they say I owe as well as all payments leading up to the amount of which they state that I owe ( the XXXX which is stated that i owed on XX/XX/XXXX ). Please provide documentation of paper work that has my valid wet signature showing that I agreed to pay this amount ( XXXX ) with the debt collector. Please provid me with the license number and registered agent or agents of service. Also provide a validated signature on documentation that has the same name on the account as is my complete legal name. The collection agency is reporting many things incorrectly on my credit report and it is affecting me personally. I have documentation that many things that are being reported have been back dated, not represented correctly, reported incorectly and illegally. I am still recieveing a bill from the original creditor and the original creditor has added on new charges to the account since the amount that was due on XX/XX/XXXX and was put into collections on XX/XX/XXXX which in and of itself is wrong. Please remedy this and remove it from my credit report this is really unfair, unjust, and preditory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$2000.00}
Product: Credit card or prepaid card

Wells Fargo Bank received my payment on XX/XX/2022 at XXXX. Now I don't know or understand what is going on here. They received it and I have the proof that they did. Wells Fargo Bank is also violating my rights according to the UCC 3-603. TENDER OF PAYMENT b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT, 3-104. NEGOTIABLE INSTRUMENT, 3-419. INSTRUMENTS SIGNED FOR ACCOMMODATION, 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption, 1-308. Performance or Acceptance Under Reservation of Rights, UCC 15 U.S. Code 1666b - Timing of payments. They also contacted the credit reporting agencies for a late payment when they have already received it.
Product: Debt collection

This debt was a workman 's comp issue from XXXX coffee company. I got a XXXX while working from the sanitizer solution used to clean dishes. The XXXX turned into a XXXX XXXX, which then brought me to the emergency room. During my hospital visit I shared this information with the billing departement, there was a claim placed with XXXX and the responsibility for payment was theirs. The Doctor portion of the bill was paid for by XXXX with no issue, however the hospital billing department sent me the bill for the hospital stay portion. I informed them on more than one occasion that this bill was to be paid for by XXXX and informed them to contact the company to receive payment. Almost a year later the debt from my workman 's comp hospital bill was falsely reported on my credit.
Product: Mortgage

I sent in information for a loan modification. The person who was handling my loan modification left the company. Now my calls are not being returned. My check was returned and my loan is now in default. Also, while I was waiting for an answer to my loan modification, a second signature was requested for the tax form. I have requested a loan modification in the past, ( I cancelled the loan modification because I did n't agree to the terms ) and I did not have to have a XXXX signature. It clearly states on the form that a XXXX signature is not required. I have called the company several times, and they have refused to return my calls. I have no idea why they are refusing to talk to me. I do n't understand it. I ca n't be that bad of a customer. I am not mean or rude to anyone.
Product: Debt collection

Credence resource management is attempting to collect a debt on behalf of XXXX and has reported it to my credit Bureaus. This XXXX account is a fraudulent account that was opened under my name. I have had identity theft since 2015 and have had an extended fraud alert on all 3 of the credit bureaus.
Product: Payday loan, title loan, or personal loan

Power Finance of XXXX  Texas loan for the amount of {$720.00} on XX/XX/2018 and since then as of today XX/XX/2018 I have paid over {$1400.00}. This is a never ending payment that I can Not afford nor do I understand the fees. I have sent an email requesting they delete my account information. And informed Power Financial they are no longer authorize to debt funds
Product: Credit reporting, credit repair services, 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. 
XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXXXXXX XXXX Account XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Midland Funding farmed this disputed debt to law firm without forwarding required information. I do not know what this debt is for or how come they are garnishing my wages. 
There is a document submitted to the court that says I owe this debt but I do not think this document is reliable. This is a new job I just started and they say that I was served and I have no way of disputing this after all these years but I was not served with these papers This is a lot and I will be forced into bankruptcy for a dishonest creditor and a old debt from some law firm I never heard of
Product: Credit reporting or other personal consumer reports

Request for Assistance in Resolving XXXX XXXX XXXX XXXX XXXX XXXX Case I hope this letter finds you well. I am writing on behalf of a federal award recipient authorized by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( please refer to the attached Confirmation of Authorization ). XXXX XXXXXXXX XXXX XXXX has verified and determined that XXXX XXXX is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 22 U.S.C. 7102 ( 11 ) or XXXXXXXX XXXX under 22 U.S.C. 7102 ( 12 ), making them eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142 ( see attached rule ). XXXX XXXXXXXX XXXX XXXX is dedicated to advocating for the rights and welfare of individuals affected by XXXX XXXX XXXX XXXX XXXX We have identified that XXXX XXXX case, which we believe deserves your attention and expertise. In our mission to support victims and collaborate with stakeholders to eradicate XXXX XXXX we've identified an issue with that XXXX XXXX credit report, which contains an outstanding debt likely connected to a case of XXXX XXXX. This debt raises ethical and legal concerns due to possible fraudulent or coercive practices leading to an unjust financial obligation. We respectfully request your assistance in blocking and removing any negative accounts linked to XXXX XXXX credit profile. Thank you for your attention to this matter. We look forward to collaborating on this important issue. Please feel free to contact me at any time. Best Regards, XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

My husband and I have had the Costco Citibank Visa for over 14 years. 
I usually will setup payments online. 
XX/XX/2023, I setup an online payment for our Costco Visa. 
Approximately 5-7 days later, I was notified by a Citibank email that the scheduled payment for our Citi accounts was returned unpaid by our bank, XXXX XXXX . 
I immediately contacted our bank and inquired why. The XXXX XXXX representative did not see anything and suggested I do it again. 

XX/XX/XXXX, I again setup an online payment. Again, I received another email ( by Citibank ) that my scheduled payment was returned unpaid by our bank. 

XX/XX/XXXX, I call Citibank and scheduled by telephone payment in full to our accounts. 

XX/XX/XXXX, monies were taken from our checking account and our Citibanks accounts were paid in full before the due date. 

XX/XX/XXXX & XXXX, I again setup an online payment for our Costco Visa. 

XX/XX/XXXX, I was again notified by email ( by Citibank ) that the scheduled payment was returned unpaid. 

XX/XX/XXXX, I called Citibank and scheduled by telephone payment in full to both of our accounts. 
I contacted XXXX XXXX again, they explained they had made some changes and they found the possible reason the scheduled payments were being refused. 

XX/XX/XXXX, I received in my email that I would be receiving {$640.00} reward certificate. 

In the meantime our accounts had been closed with no email notification, apparently those notification was being sent in the mail. 

XX/XX/XXXX, I scheduled an online payment. XXXX XXXX had made the fix on their end and and Citibank receive their payment in full. 

XXXX XXXX I have called Citibank, about the rewards and customer service submitted a request. I received a denial letter because my account history " showed one or more late or returned '' payments in the past six month ''. 
None of my payments were late. The schedule payments were out of my control and I worked with XXXX XXXX to resolve it. 

XXXX XXXX I sent a letter of appeal. I outlined everything, as I did above. I just wanted the rewards. 

XX/XX/XXXX, I received a letter that they will not send rewards on a closed account. 

We can get another credit card, we just want the rewards that we earned by using their credit card. 
Ironically we have been receiving their credit card apllications in the mail. 

I feel they are shutting us out simply to not issue the rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth disputing errors on my credit report with XXXX XXXX and Equifax to update my credit report, first off my information was compromised with Equifax. I'm signed up through XXXX XXXX since my information was breached. After I refinance with the XX/XX/XXXX I've notice weird stuff been going on with Equifax, First report stated I have mortgages wrap up {$270000.00} open XXXX two XXXX ( dup ) not so I've always had one mortgage with XXXX since XXXX sold and transfer to XXXX XXXX, XXXX recently sold the mortgage to XXXX. I ask both XXXX  to show XXXX showed payoff due to refinance with XXXX loan paid off XX/XX/XXXX, XXXX show open new loan. Equifax showed XXXX and XXXX showed open, I asked Equifax to show the XXXX transfer to XXXX now they have reported XXXX and XXXX closed and advise at the time that XXXX will remain after numerous disputes. XXXX and XXXX is now showing closed. I also asked for a CA address to be removed nothing has been done, I am so upset my credit score always been in 800 high after the refinance it dropped to XXXX with XXXX XXXX and Equifax not properly showing XXXX paid off. I'm assumming there must be children working for these companies. I have a payoff letter from XXXX showing it was paid off not closed. If you need this information I can send it to you.
Product: Credit card or prepaid card

Was the victim of a scam XX/XX/2020 for {$500.00} plus charges. I called into what I thought was XXXX customer service but it was a scam 800 number which I was told it was XXXX and that my acct and Chase credit card were compromised. That I had to make purchases online to block the scammers using my acct for the same type of purchase. XXXX resolved by removing the charges. However, Chase refuses to do anything and on top of that has closed my account for false reasons that may affect my credit report. Also unable to receive contact with XXXX XXXX which is where the charges occurred. XXXX is aware if this scam and will not do anything to help. These were guft cards issued from XXXX but due to not being purchased directly they will not reimburse me the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Today, I printed my Marcus bank account number, XXXX, CD account, and I found XXXX Marcus bank, illegally, took out {$24.00} and {$22.00} from my above account. 
One month ago, one supervisor of Marcus bank confirmed that Marcus bank did receive from me the official with holding form, stating that I am not subject to with holding either by IRS or by the Alabama government. 
Based on the above, XXXX Marcus bank again committed an illegal act, as established above. 
Marcus bank must, immediately, credit my above account with {$24.00} and {$22.00}, as established above.
Product: Credit reporting or other personal consumer reports

Fraudulent account XXXX XX/XX/2018 is fraud and needs be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a