23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX XXXX XXXX XXXX personnel mailed a completed and certified IRA Rollover/Transfer request to the BB & T branch office at XXXX XXXX XXXX, XXXX, AL. On XX/XX/XXXX I requested the status of the transfer from XXXX and was advised nothing had been received from BB & T. 
On XX/XX/XXXX I went to the BB & T branch office and one of the branch bankers fished the envelope out of her desk, saying 'I thought it was junk mail so I didn't open it. I figured I'd hang onto it for six months and see what happened. ' She did not explain why she failed to open the envelope. She did explain that she thought it was junk mail because part of the address was misspelled as 'XXXX  ' instead of 'XXXX. ' The XXXX XXXX logo was in the return address upper left corner and the stamp was a XXXX XXXX metered stamp. 
If the banker had opened the envelope and processed the rollover in a timely manner, I would not have lost apx {$130.00} from the long-term IRA Certificate the money was to be deposited into. 
During my conversation with the branch banker, she called and spoke with another woman at BB & T headquarters and was advised that the IRA department was closed and no, BB & T would not accept the form as a fax. 'BB & T will not accept faxes from anyone other than our own branches. ' If the banker had read the form, she could easily have contacted me for any questions or concerns. 
The BB & T banker stated she would 'overnight ' the form to HQ on XX/XX/XXXX for processing since they did not do any IRA work in the branch banks. 
I cancelled my checking account while there but did not cancel my credit card because the banker advised I had 'nearly {$100.00} in reward points. ' She recommended I redeem the reward points first. 
However when I attempted to redeem the points on XX/XX/XXXX, they had been deleted from my account.
Product: Mortgage

I have recently found out my mortgage broker name was added to my loan as owner with me. How I found out is he declared bankruptcy and it was put up as parr of his assets. When I called lawyer who closed the loan he stated that he received a letter from said broker/ bank and told to add his name to loan. Please help me. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked IMC Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have sent proof of this to Experian and XXXX XXXX and they continue to report inaccurate information on my credit report even after the I have verified the information is not mine and inaccurate then when I contact them via the phone Im they were rude nasty and lied stating it had something to do with my address and then I was blocked from checking my credit online via there sites and told to check free annual credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for conventional home loan and got a report from loan company with all inaccuracies which hurt so much. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and According to 15 U.S.C 1681e [ b ] and 15 U.S. Code 1681 [ 5 ] these accounts are in violation of not reporting 100 % accurate. Definitely a defamation to my person. 
The reporting agencies stated that these accounts were properly investigated and came back as verified. However, this is not true when there are several inaccuracies showing on my report. 
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: Student loan

I called XXXX Navient told them I was being double billed. They told me I wasnt. I pulled 6 months on payments available to me online - I was never late. Called back XXXX - asked Navient why I had to pay double then and addironal {$30.00} to get my account to zero! They could n't answer questions talked circle. Said I was two days late XXXX of XXXX. Why would my billing be fine till now and there is a 15 day grace period which it was paid within 3 days - talked more circles. Now I have paid $ {$250.00} for a XXXX payment that should only be {$110.00}. They sent me and email today stating only {$100.00} was applied to my account as of XXXX!!! For real! I have emails, bank statements, printouts from Navient website it 's not correct and when I call them they wo n't fix it.
Product: Debt collection

CCS claims I owe an amount of {$1800.00} to XXXX XXXX for auto insurance policy which was canceled soon after the policy was purchased. The amount is the down payment to start policy which I believe includes two months of coverage, possibly first and last month, I am not certain. The policy was canceled soon after purchase date, I believe a week or two after. It appears XXXX XXXX has not adjusted the amount to reflect cancellation, did not pro-rate it. Further, several attempts were made to debit my account for amount despite cancellation prior. These attempts caused several overdraft fees which I was not reimbursed for and I believe XXXX XXXX is responsible for as it is in their error for making attempts. Needless to say, I do not owe full amount and am disputing it as again, it does not appear to be pro-rated, {$1800.00} is an unusually high amount for a down payment even for two months of coverage. I suspect XXXX XXXX is adding on bogus fees to inflate the balance further. In closing, please advise CCS I will not pay such a high amount, it needs to be adjusted to reflect correct amount as well as overdraft fees.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Mercedes-Benz Financial and XXXX credit reporting agencies XXXX, XXXX, and XXXX. Mercedes-Benz Financial has XXXX to provide the IRS XXXX XXXX as requested for both of my accounts, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, XXXX have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines XXXX However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of XXXX XXXX  for debts associated with my accounts XXXX & XXXX which has been reported as " charged off. '' According to IRS XXXX XXXX, a charge-off is recognized as a taxable event that should result in the issuance of a XXXX XXXXXXXX to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide XXXX XXXXXXXX : The creditor has not provided the required Form XXXX, which is necessary for me to accurately report any canceled debt income to the IRS. 

XXXX XXXX XXXX of XXXX : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a fraud alert on my credit report and creditors were still able to obtain my credit report on item I have not applied for. 

XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

In late XXXX Bank of America initially charged me for forced mortgage insurance that allegedly occurred in year XXXX. I called numerous times and on XX/XX/XXXX I sent BofA a letter ( attached ). BofA responed on XX/XX/XXXX ( attached ) and asked me to wait. On XX/XX/XXXX BofA sent me a letter ( attached ) which informed I was to pay {$3800.00} for forced insurance for year XXXX unless I could provide proof of insurance. 

In year XXXX I provided proof of Insurance and the {$3800.00} charge was removed as evidence by the BofA yearly Statements ( attached ) provided to me for years ending in XXXX - XXXX. I could not find yearly statements for year XXXX and XXXX. 

After 10 years it is impossible for me to re-provide proof of insurance because the insurance company informed me they only keep records going back 5 years. 

See attached documents
Product: Credit reporting or other personal consumer reports

I have requested both debt validation letter and the required 1099c form per IRS regulations from XXXX and XXXX XXXX XXXXXXXX whom are both reporting chargeoff/written off debt on my credit profiles. I have NO KNOWLEDGE of either accounts as they were acquired fraudulently. Please require XXXX ( $ XXXX acct # XXXX ) And XXXX XXXX XXXXXXXX XXXX $ XXXX acct # XXXX ) to provide the information requested.My credit is very important to me and I'd like this matter taken care of immediately.Per FCRA, providing & displaying incorrect, inaccurate and unverifiable information on one 's credit reports are direct violations as well as reporting account as chargeoff/written off debt ( received tax breaks per IRS, profit loss ) yet still reporting a balance owed/past due amt. to the credit bureaus. If XXXX XXXX XXXX XXXX XXXXXXXX filed on their taxes ( 1099c ), I need the forms to file with my taxes as income. If they CAN NOT PROVIDE THE 1099C forms, I. demand these account s be deleted and removed from my credit reports immediately. Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

Notice of data breach XX/XX/XXXX company XXXX. ARVEST BANK XX/XX/XXXX FRAUDULENT ACCOUNT IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTIFY THEFT STILL GETTING CREDIT DINGS FOR STUFF I'VE NOT APPLY FOR CALLED AND SEND INFORMATION TO XXXX TRYED TO EVEN FREEZE MY CREDIT DATA BREACH CHANGE XXXX XXXX XXXX CYBERCRIME DOING THE TIME OF XXXX XXXX SO I GOT A COPY OF MY CREDIT REPORT ALL THE ADDRESSES ARE INCORRECT EXCEPT FOR ONE fraudulent account XXXX XXXX XXXXXXXX on my credit report twice a company called XXXXXXXX XXXX  date XXXXXXXX XXXX  date XX/XX/XXXX made multiple attempts to reach out to company and call XXXX to get a credit report and to talk about charges to my credit that I have not applied for nor knowing about or authorized I did speak with XXXX about an account that was unauthorized they were supposed to remove it they sent me a lot of state and they removed it but it's still showing on my credit and I haven't heard anything since and I still get things on my credit as I monitor it as of today and I have not applied for anything
Product: Credit card

I have been trying to cancel an unused Elan Financial Services credit card for years. My cousin opened the card for a business we used to have with both our names on it and it has not been used in many years. I have tried to cancel it and they tell me my cousin needs to call since he opened the account. I spoke to my cousin as recently as yesterday and he said he is also getting nowhere trying to cancel the card. I got a letter at one point from the credit card company saying that because it had not been used for so long, it would be cancelled. But that didn't happen. They issue service charges every year to keep the card open and up to this point I have paid them, but it is like I am being held XXXX. This is an old, unused card that we want cancelled. We just want the card cancelled and are getting nowhere with the company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX Ss # XXXX ST JOHN COBB INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below,  please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email Address : XXXX Phone : XXXX Date : XX/XX/XXXX Dear Financial Consumer Complaint Department I am writing to file a financial consumer complaint against Busey Bank regarding the handling of my account closure request of : Checking Account : [ Account Number Ending in XXXX ] Savings Account : [ Account Number Ending in XXXX ] I sent a formal closure letter via registered mail to Busey Bank of XXXX Illinois on XX/XX/XXXX, addressed to XXXX XXXX, requesting the closure of my checking and savings accounts due to a significant life change, specifically, my relocation to XXXX, North Carolina. In the following weeks, I followed up with XXXX, XXXX, XXXX, XXXX, XXXX, and a few others. Who always tell me a banker will cal. I have no missed calls from Busey. On XX/XX/XXXX. I spoke to XXXX, who transferred me to XXXX, who essentially asked the same verifications questions. 

Despite multiple attempts to resolve this matter, I have encountered significant obstacles and delays. To date, I have spoken with over XXXX supervisors at Busey Bank, all of whom have promised that a banker would contact me, but to no avail. Additionally, I have been subjected to repetitive questioning regarding my signature, which has been impacted by a XXXX, resulting in XXXX XXXX XXXX 

Furthermore, Busey Bank has refused to accept a letter from my XXXX XXXX doctor, verifying my identity in person. This refusal has hindered the closure process and prevented me from accessing my funds, which are urgently needed to secure housing in my new location. 

In contrast, I have successfully opened a checking and savings account with XXXX XXXX Bank XXXX XXXX in XXXX, where Banker XXXX XXXX attempted to facilitate a wire transfer of my funds from Busey Bank. However, this transfer was inexplicably refused by Busey Bank, further exacerbating my situation. 

I am deeply distressed by the lack of responsiveness and cooperation from Busey Bank, especially considering my current displaced status and urgent need for access to my funds. I believe that Busey Bank 's actions, including their refusal to accept valid documentation and their failure to facilitate the closure process, constitute a violation of consumer rights and banking regulations. 

Therefore, I respectfully request that the Financial Consumer Complaint Department investigate this matter promptly and take appropriate action to ensure that Busey Bank complies with all relevant regulations and resolves this issue satisfactorily. 

Thank you for your attention to this matter. Should you require any further information or assistance, please do not hesitate to contact me at XXXX or XXXX. 

Yours sincerely, XXXX XXXX
Product: Credit reporting

Experian stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested Experian submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Experian has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to Experian and Experian states it was verified by XXXX XXXX. Experian is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.
Product: Prepaid card

I received a prepaid debit card for {$35.00} as part of a refund settlement for XXXX XXXX XXXX XXXX XXXX plastic bag recall due to children accessing and eating the detergent. XXXX XXXX XXXX acknowledged the easy to open bag and sent a larger lag with a firmer seal for consumers to put the pods in. They also offered a refund of the purchase price of {$35.00}. I received my debit card this week and am unable to activate it. The website provided on the debit card where you can activate it ( XXXX ) does not open. I found a forum online where many consumers were facing the same disappointments and frustrations. Many were saying that it's a scam but one or two mentioned your agency and said to try filing a complaint and that led me to contact you.