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

To whom it may concern, refer to complaint number XXXX same complaint. 
my husband mr. XXXX XXXX XXXX sr and mrs XXXX XXXX XXXX have joint bank accounts. 
essential checking. and goalsetter savings established in XXXX XXXX XXXX. 

I want to also duly note that my husband and I don't do online banking business..however we did utilize it in XXXX a few times and beginning of XXXX. after that we stopped. shut it down. fifth third admitted over phone brown over phone. 
XXXX XXXX fifth third XXXX XXXX. ( refer to complaint number above ). we never created any other bank accounts like commercial that was stated on paperwork ... ( with this alleged payee ( XXXX ). we don't have payee. ss administration knows this and we don't have power of attourney. we assume current property manager XXXX and XXXX  XXXX ( former property manager-XXXX XXXX  ) XXXX XXXX XXXX ( jobs 4 life ).  working together in identity theft ..bank embezzlement scandal. along with XXXX XXXX and XXXX XXXX of XXXX. there was also another bank account created XXXX XXXX   XXXX created. my husband and I did not create XXXX XXXX XXXX account. we had fifth third shut that down. we mentioned this to mr. XXXX at fifth third on XXXX ( he was from XXXX, ohio ). it is now closed. he stated to me and my husband that we were not getting our money back after we showed him increase information from last XXXX in XXXX XXXX. and we didn't have payee. he was also aware of bogus XXXX XXXX  XXXX account we never created. we believe mr XXXX last name stated with XXXX was part of embezzlement scandal. we have documentation to prove I am my own payee. maiden and married. ss administration stated on camera last female that we get our own monies.this was XXXX XXXX XX/XX/XXXX mentioned to us by phone by two ss admistration reps the increase in ss income.. those particular fifth third employees played role in embezzlement of our ss monies. duly note fifth third mentioned power of attourney. we never had power of attourney. so strongly assume XXXX XXXX another associate of fifth third mr XXXX were stating they were our power of attourney and payee. and miss XXXX said power of attourney. we never signed power of attourney or payee paperwork XXXX XXXX or XXXX XXXX of XXXX organization. as stated before in report up above .refer to that. miss XXXX XXXX made multiple copies of birth certificates, ss numbers, marriage licenses etc.. They illegally attached people to us via, XXXX, including XXXX XXXX ( who were illegally attached and they pretending to be us. they illegally had our ss numbers. identity theft on XXXX illegally attached via featherfist XXXX XXXX and XXXX XXXX and XXXX XXXX. 

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Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX there should not be any damages on my credit report thats a deformation to my character and is hindering my daily living with my children. I am not able to survive without a house and a car for me and my children.
Product: Mortgage

Mr. Cooper is the company. I have tried several times to contact Mr. Cooper via their phone and chat process. These processes do not provide answers to the questions I have. Mr. Cooper has set up a never-ending loop that does not allow you to speak to a live person to solve your issue. And at some point it just hangs up on you. 

Mr. Cooper 's communication process is not equipped to solve customer issues and XXXX is built a certain way so as not to solve problems. 

I need to discuss an escrow issue.
Product: Checking or savings account

XX/XX/2020 I have been trying to link an online account so I am able to deposit money into my PNC checking account that I have had over 45 years the same account with PNC over 45 years the bank was first national city until bought out by PNC. I am unable to have this online lender link up with my PNC bank account which is completely unethical when I am the one who is trying to link this account so I am able to receive money through this Wonder so I can make some of my household bills and get a loan to do some household repairs and which I am unable to do because PNC Bank will not let me a link my account. I have personally called PNC Bank about 25 times this is about the fourth time I am doing this complaint this is completely ridiculous why am I not able to link my own bank account it's my account through PNC Bank this is completely ridiculous it's my account why am I not able to link my account when I'm the one who's authorizing this? Kiss somebody contact me please XXXX sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of everyone with whom you verified with above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I was told I owed for a broken window in my apartment complex that was damaged due to a hurricane which wasnt my fault its a hurricane I couldnt prevent from happening. Then I was told I owed last months rent which is not true in my lease agreement it stated to provide a written letter to the landlord and notarized stating the day you were moving out in order to receive security deposit back and last month rent will not have to be paid which I did and the landlord said it was ok after doing everything I needed to do several months later I received a debt collection on my credit when collectors contacted me they told me what the debt was for I was never contacted about any payments or damages concerning a window which the landlord had my phone number and could have reached me at the time, but didnt because when I left she told me everything was fine so I am disputing this collection because I had no knowledge of this before I left if I did I would have paid the rent I never was late and far as the window it was property damage from a storm that I shouldnt have to come out of pocket for I have been trying to get this removed from my credit for so long and need help because this is not right.
Product: Mortgage

Addition to previous complaint All Rushmore say they need 30 to 45 days to research a complaint also now being told that submission of a mortgage modification will not stall foreclosure when they have been saying all along it would. So now turning in a modification pkg while it takes them another 30-45 day to review that also they could still sell our house also will not provide a one on one loan processor customers cant talk to processors you just get whoever answers the phone.

I have no trust in this company I am afraid everyday what they might will or not do it is affecting my home immensely. 

My husband is a XXXX veteran I am fighting a medical issue which was reason for default in first place then covid hit I am scheduled for medically necessary XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am on unemployment and we have no where to go the least they can do is a trial modification period or a forebearance. 

They lack compassion, Customer care is horrible, they lie, threaten and bully you never get off of a call or receive something in the mail that gives you any hope. 

XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I XXXX XXXX contacted Chime via my smart phone and requested a check in the amount of 9000.00 to be mailed to me from my account on XX/XX/2021 the check was printed from my account on XX/XX/2021 the check is showing cashed in my account I never received the check so I reached out to Chime letting them know I never received the check but its saying its cashed Chime later got back to me informing me that there is nothing they can do because the check has been cashed they forwarded me images of the check and told me I would have to go to the other Financial institution that cases the check and investigate it myself. I called the other bank and they informed me that there was nothing they could do for me that Chime needed to contact them. So as of today XX/XX/2021 I still have not received my 9000.00 or any help from Chime
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes. Particularly in the 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 adequately.
Product: Credit reporting or other personal consumer reports

I sent letter out on Monday XXXX XXXX of XXXX to readdress and my sure that all the requirements and requested all information to be provided to me by these parties. If these parties can not provide this information as requested, they should be removed.
Product: Credit reporting or other personal consumer reports

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports Section 15 USC 1681A Late Payments Are Illegal!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These accounts are fraudulent and identity theft and need removal 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: Payday loan, title loan, or personal loan

Secured a personal line of credit and personal loan from Key Bank to pay off credit cards. The credit cards were at XXXX XXXX. Key Bank sent a payoff check to XXXX XXXX XXXX, and there was an incorrect account number on the Key Bank payoff check, and so we had to cancel and reissue the check, which took two months, from XX/XX/XXXX to XX/XX/XXXX. Between that time XXXX XXXX   chose to charge interest and late fees, I tried to reason with XXXX XXXX, but they claimed they had no legal obligation to backdate the final correctly labeled check to XX/XX/XXXX given the the first check was incorrect from Key Bank. Key Bank said they would pay the remaining {$140.00} and some change that was the late fees being charge by XXXX XXXX  as a gesture to me a new customer. Key Bank said that they would handle the account from there to close the XXXX XXXX   accounts, and no further action was needed from me.

In XX/XX/XXXX I began receiving phone calls and emails from XXXX XXXX, saying that I had a remaining balance greater than {$400.00}. Saying that I never closed the accounts so therefore they continued to charge late fees and interest. I was very confused given I had been informed by Key Bank that there was a XXXX  balance. I filed with the CFPB for XXXX XXXX, and XXXX XXXX  said that they never received the alleged {$140.00} from Key Bank, and therefore the account was never closed. XXXX XXXX agreed to waive the late fees, acknowledging that this was not a deliberate delinquency.

I then have attempted to contact my local branch repeatedly to get some sort of evidence proving that Key Bank sent the {$140.00} to XXXX XXXX back in XX/XX/XXXX. The manager at my local branch informed me that the amount was sent electronically and therefore there was nothing she could provide for evidence. I have tried calling and emailing the local branch, and asking for contact information for an executive. The local branch has stopped responding to my phone calls and emails at this time.

I need Key Bank to refund to me the {$300.00} that I paid to XXXX XXXX this Spring, the remaining principle, plus interest, minus the waived late fees. I need Key Bank to amend my Credit Report - saying that I was under the false representation that the account was made XXXX, and therefore, the fault lies with Key Bank that my credit score is haggard due to the several transaction mistakes on Key Banks responsibilities.

1. the first check was incorrectly labeled and the subsequent late fees and interest accrued 2. The alleged {$140.00} can not be traced, seen, or acknowledged by either party.

3. Key Bank informed me that they would follow through on the account and that no further action was needed from me to ensure the account was handled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ECMC, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ECMC, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX and alot of inquiries I know nothing about. Please remove this from my credit 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 doing this on my own and has contacted the FTC and my police here.
Product: Debt collection

Tried to resolve problem with the company. Company refuses to assist. Contact local precinct for assistance. Local precinct, provided steps to follow to have issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, From XX/XX/2022, I have contacted XXXX several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX. 
2.they removed a great account inquiry from XXXX XXXX XXXX and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the BBB and I asked XXXX for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent XXXX, the XXXX  and myself a letter and told XXXX that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but XXXX sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. XXXX has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that XXXX is not complying with the FRCA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Synchrony Lowes : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements.
Product: Credit reporting or other personal consumer reports

Can you check the document? Some of these accounts are inaccurate and I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX 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: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I contacted Equifax regarding inaccurate information present on my credit report. Despite my initial communication, I have not received any response from Equifax to date. The details of the inaccurate information and the necessary corrections are outlined below : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$110.00} Original Creditor : XXXX XXXX  XXXX XXXX XXXX Please remove this account from my credit report. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX  Please remove this account from my credit report. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are violating my rights under the FRCA rights with a charge off. XXXX XXXX XXXX XXXX is reporting a past due on my credit profile.
Product: Credit reporting or other personal consumer reports

Again, I was the victim of identity theft and this is my numerous request to Remove the information in my credit file resulted from an alleged identity Theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove Any Items. Ive already included this report in a previous letter & I am Including it again. Also, the information you provided on some item are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} NCB ( Original Creditor : XXXX XXXX XXXX XXXXXXXX CO ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/24 a letter was sent to Experian disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Product: Checking or savings account

My Chase checking account was closed on XX/XX/2020. I had had that account since I was in high school. They would not tell me why they closed it because that's " all the information they had at that moment. '' Two months and tens of calls later, they've only given me {$1600.00} of the {$12000.00}. when I call Chase costumer service they say the remaining {$11000.00} can not be released at the moment because " it's still under review by a special team form the back office, which doesn't have a phone number, and have not been approved for release. '' What's really getting me frustrated is that it's been two whole months, and they're telling me they can not give me a time frame as to when the money is going to be released. for two months they've told me to " just wait, '' and it's gotten me nowhere.
Product: Consumer Loan

This loan went into default status off 5 years ago after I fell behind in payments. I attempted to reach out through their XXXXXXXXXXXX email and never got anything back. Eventually the loan was charged off but remained on my credit. In an attempt to repair my credit, I submitted several dispute claims to validate the loan and received nothing in return. Currently, my wife and I are trying to close on a new home loan, but conventional loans prohibit any disputes listed on your file. I tried to go through XXXX to have the verbiage removed to satisfy the requirement, but was told by them that we have to get Prospers approval. We called Prosper and was told that they will not approve the removal of the dispute verbiage. Digging deeper, we were told by Prosper that the charged off loan is no longer in their possession, but in the hands of a third party. It is this 3rd party that is handling my disputes and reporting to the credit agencies. I have attempted on several occasions to work with Prosper to have the dispute removed, but am meet with unanswered emails and CSRs with limited information to give. When asking to discuss with a manager, no manager is available.
Product: Credit card or prepaid card

I sent in a my payment in full to close the account XX/XX/XXXX. 
I called fortiva today and they wouldnt give me any sort of payment confirmation even though they can confirm they recieved the payment - they said they didnt get the funds for a month - XX/XX/XXXX. Which is incorrect. I sent this in on XX/XX/XXXX. 
They wouldnt provide anything to me, not my mail, fax or email to show me the account is paid in full so I can send this to the credit bureaus to improve me score. 
This is unfair. I sent payment and cant have any sort of confirmation in writing to help my score improve. 
Confirmation number from fortiva is XXXX that they receieved my payment.