23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Complaint about the Key Bank Complain subject : Property insurance Inception : XX/XX/XXXX Entity name : XXXX XXXX XXXX XXXX There was property insurance in effect from the XX/XX/XXXX. 
However, the bank claims that the insurance we placed is not according to requirements after XXXX renewal. Our insurance remained the same. 
Bank had put lender placed insurance without informing us and had been collecting premiums from the bank through ACH which I didnt catch till later. 
The normal method of notification is through XXXX, I was never informed of the inadequacy of the Insurance and the Banks intention of placing insurance and after they placed the insurance. 
( I wanted to prove my understanding that the Bank informed any issue they deemed important through XXXX  by stopping payment. As expected I received a XXXX letter within seven days. ) So, I carried two sets of insurance for the last year and they still refuse to remove lender placed insurance after we satisfied all their requirements. I am carrying two sets of insurance as now and did so last year too. 
We enquired as to what is not covered, but the information come in pieces and the bank was never satisfied with what we provided. 
So we asked the bank to provide the full policy document for the insurance they placed. But they refuse to give us the document. The bank wants us to provide the certificate, full policy document and payment receipts, but refuse to reciprocate. 
I am at my wits end as they simply keep taking funds through ACH and I have no control. They claim they placed insurance but refuse to give any proof. 
So, I need to get refunds of all the bank placed policies as we had insurance in place to cover the whole period. If the coverage is lacking, I need proof of their coverage and specific costs and costs just to cover what was lacking.
Product: Debt collection

Portfolio Recovery Associates are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian -- -wrong information on my credit report that I never opened and never applied for. Was informed to send to Experian to inform them and was told to mail to them. Mailed information to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and mail keeps getting return stating unable to forward and incorrect address for expieran.attached one documentation that this is what keeps getting mailed back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiply times in last 3 months said system down call back than tried internet and says no internet everytime .this is Equifax while both other creditors removed caused I paid my bill months ago. Than I called few more times got XXXX  who couldnt help then us line says I'm not me and wont help fix or give me management. This is the worse company ever. Please please help me. Thank you very much for time and help it's a chiropractor bill for XXXX dollars .ty
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( XXXX and Equifax ) and XX/XX/XXXX ( XXXX ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : XXXX XXXX Account Number : XXXX High Balance : {$XXXX} Date Opened : XX/XX/XXXX Date Reported : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX Payment Status : XXXX XXXX XXXX  days late ( XX/XX/XXXX ) XXXX : XXXX  days late ( XX/XX/XXXX ) Equifax XXXX XXXX  days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : XXXX and Equifax report a late payment for XX/XX/XXXX, while XXXX XXXX it for XX/XX/XXXX. 
Equifax inconsistently lists the account as both " XXXX '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : XXXX and XXXX state : " Dispute resolved ; customer disagrees. '' Equifax states : " Consumer disputes after resolution ; closed or paid account/zero balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages.

Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information.

Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt. 
Requested XXXX I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX.
Product: Credit card

Card was stolen - suspect used the card at XXXX locations in XXXX TX : XXXX # XXXX & XXXX XXXX # XXXX. Here are the times : XXXX # XXXX XX/XX/year> - XXXX ; HEB # XXXX XX/XX/year> - XXXX ; XXXX XXXX # XXXX XXXX. 

I was not in XXXX at the time of these charges and provided Upgrade, INC proof/flight logs that I was in XXXX, AZ. 

I did not authorize any of these charges and Upgrade, INC has declined my dispute twice. They have decided not to work with the police. 

Even after providing a police report filed and my flight receipts they are declining my request- their argument is nothing looks out of the ordinary/not enough evidence.
Product: Credit reporting or other personal consumer reports

This is my follow up request to formally dispute the inaccurate reporting of late payments on my XXXX account with account number : XXXX.
Product: Credit card or prepaid card

My card was sent to the wrong address in the mail so I never received it. I sent a number of emails letting them know I hadn't received the card and I was unable to make the payments or set up my account online without having the physical card and never got a response. I've tried to reach out to the company responsible for the store card but got no responses over the past 2 months.
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 adequately. They informed me that recovering of lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 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. The lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im trying to get the information on my file deleted. The items listed on my report are the ones I need deleted. I am a victim of identity theft and I did not make the charge. I asked for the items to be deleted to correct my credit. I also reported the theft of my identity to the federal trade commission and I have copies of the federal trade commissions identity theft affidavit. I would really appreciate it if you can delete those items as soon a you can as it is holding me back. Im trying to improve in my life by getting things situated to help provide for me a my kids. Thank you!
Product: Checking or savings account

Wells Fargo transferred the balance of {$400.00} in my saving account to unclaimed property WITHOUT prior notice nor my permission. 
Wells Fargo has not proactively provided instructions on how to get my money back along with the account closure. 
My address, phone number, and e-mail address are up to date with Wells Fargo. I've had no problems receiving online statements in my email. The bank statement ( attached ) shows that I can receive mail at my address. 

Timeline of events : I received the attached bank statement on XX/XX/XXXX, indicating that my {$400.00} had been transferred to " unclaimed property '' on XX/XX/XXXX, and my saving account was hereby closed. 

XX/XX/XXXX : I called XXXX, the customer service hotline upon receipt of the bank statement. I was put on held and transferred multiple times without getting clear instructions. Additionally, I received no follow-up from them since then, although their representative promised that I'd hear back from them in 24 hours. 

XX/XX/XXXX, XXXX  : I then visited the Wells Fargo branch ( where I opened the saving account in XX/XX/XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. A personal banker confirmed that the bank should have notified me before the unclaimed property transaction. 

XX/XX/XXXX, XXXX  : Pennsylvania Department of Treasury does not have matching record ( s ) regarding my fund. The search result is attached. 

I learned that Wells Fargo is required to notify me prior to the transaction and provide instructions on how to prevent savings from being transferred to unclaimed property. 

In sum, this is a complaint of non-prior-notice for account closure/fund transfer to unclaimed property. I was shocked to believe that no previous communication of any sort ( mail, email, phone, text message ) was given before the transaction. Nor did I ever receive any instructions on ( 1 ) how to prevent the transaction to unclaimed property and/or ( 2 ) how to claim my {$400.00} saving back. To make this worse, there is no publicly available contact information or useful resources from Wells Fargo.
Product: Debt collection

Hello I have been having hard time trying to fix my credit with forever 21 and XXXX ever since the pandemic. i have been answering multiple calls and giving them an answer when i can do the payments. they are being really rude and forcing me to give them a payment that same day even though i told them I don't have the money and has even told me to give them my bank information to take out the payment monthly when AGAIN i have told them i don't have the money. They have also reach out to my mom asking about me even though I spoke to them already. Then I noticed the bank account that XXXX credit collection was scheduled to a payment, but they took a payment that was not authorized. I have called constantly to speak to agents and ALL agencies were very disrespectful and would hang up on me. I spoke to the manager, and she was also being rude and then a week later i received my money back but they still constantly call me being rude when i have clearly told them i have no money to do the payment.
Product: Checking or savings account

A car dealer ship owed me a check for {$710.00} as part of buying a car. The check from them to me was issued on XX/XX/XXXX. I never received the check, yet it was cashed on XX/XX/XXXX. I saw the cancelled check and it was stamped in the endorsement area for a locked bag with a Wells Fargo account number. My name and address were on the check so it was made to me but someone else deposited the check. 
I contacted Wells Fargo and they confirmed it was not my name on the account which the check was deposited and that there are no accounts with my SSN at Wells Fargo. So there is no way this check should have been deposited into someone else 's account. 

Wells Fargo said I needed to call my car dealer and that they would have to have their bank refund the money into the car dealer 's account. 

I called the dealer and they had their bank, XXXXXX/XX/XXXX, initiate this process. Wells Fargo said they would return the money but it would take 60-90 days. 

So the dealer will not give me the money they contractually owe me till Well Fargo give the money bank to XX/XX/XXXX. 

To hold this money hostage for 60-90 days after they made a mistake in depositing this check into someone else 's account is ridiculous. I do not know whose account it is to figure out how they got the check and this has all made me frustrated. 

It has lead me to complain to the XX/XX/XXXX for the car dealer for breach of contract and to their corporate office. I also want to make sure Wells Fargo is held accountable in all this and they put the appropriate controls in place to prevent this, and adjust their policies to refunding the money faster than 60-90s when they do make this mistake.
Product: Bank account or service

PayPal is randomly sending PayPal account holders debit cards without permission ( unless permission is buried in fine print ). Recipients of the card do n't know what it is, why we are receiving it, if it was fraudulently requested, etc. -- then we have to spend 20 minutes holding for PayPal customer service only to find out that PayPal randomly sends the cards to account holders whether or not they request it. It is absolutely ridiculous and PayPal should know better.
Product: Credit reporting or other personal consumer reports

I took a look at my credit report from Transunion XXXX XXXX and was disappointed because Transunion is reporting inaccurate information about charge off accounts on my credit report. These inaccuracies violate my federal rights according to the Truth in Lending Act 15 U.S.C. 1601 et seq. which mandates accurate reporting of consumer credit information. I am asking that you thoroughly investigate these items and provide me the method you used to validate these erroneous findings. The discrepancies are detailed below : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for dispute : A charge off account should not report a balance other than {$0.00} because the account has been charged off. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : A charge off account should not report a balance other than {$0.00} because the account has been charged off. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : A charge off account should not report a balance other than {$0.00} because the account has been charged off. 

Also the following inquiries were not performed by me or anyone I authorized to seek credit on my behalf. 


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: Debt collection

I received a letter from ERC for a settlement amount on a previous debt. I paid the settlement amount in full and by the requested due date. Then a few weeks later, I received another letter requesting additional amount. I am not sure why the amount of this debt continues to change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked each creditor on my credit report which is in collection or charge off for validation of this debt and proof that I am the owner of this debt. I asked for proof of validation via documentation which includes the original contract signed by me with my signature upon the contract. They did not have this proof or ignored me Therefore remove all the negative collection items on my credit report,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) and Regulation E. These actions has cause significant and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The vehicle is not in my possession has been repossessed and a balance is still open, to properly solve this matter I need more information about the vehicle in the company that we possess the vehicle.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I closed my account on XX/XX/XXXX. I did not receive any confirmation so I called Capital One to confirm and inquire about my {$200.00} deposit. I was told that if I called back on XX/XX/XXXX I could request a paper check be mailed to me ( this is the only method they seem to have for issuing refunds ). I called today ( XX/XX/XXXX ) and was told to call back in 3-5 days and request the paper check again. I was also told that if I had never called to request a refund ( because I asked about this ), in 6 months a refund would have been issued. I CAN NOT IMAGINE THIS IS ALL LEGAL>