23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After opening my initial complaint and coming to the realization of the facts after further research ... 

XX/XX/XXXX we notified our then current mortgage company, Umpqua Bank, that we would change our existing home owners insurance from XXXX XXXX to XXXX XXXX. On XX/XX/XXXX Umpqua added XXXX and made policy payment to them for the year. Rather than cancel XXXX XXXX, they made a year long policy payment to them as well on XX/XX/XXXX. 

XX/XX/XXXX Umpqua transferred our loan to XXXX XXXX. Upon prior complaint and CFPB investigation, XXXX stated that Umpqua neglected to include XXXX policy and listed XXXX XXXX as our insurance. In the meantime, on XX/XX/XXXX XXXX XXXX once again, requested payment from the mortgage company for XXXX policy and XXXX paid them another {$1400.00}. Meanwhile XXXX insurance is mailing us cancellation notices for nonpayment. 

XX/XX/XXXX XXXX finally pays the correct insurance company ( upon request ). But once again, for the second year in a row I have paid TWO homeowners policies. That makes me sick to think how hard this pandemic has hit our family financially this year. We didnt want to pay for two policies but we did unbeknownst to us until now. We just wanted to save $ XXXX {$700.00} per year by changing companies to a more affordable option. We had enough of XXXX XXXX increasing their rates year after year. 

Unfortunately, during the transition of my loan, Umpqua Bank and/or XXXX completely failed to manage my escrow account properly and that is my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that caused me to be denied housing onXX/XX/XXXX.

I contacted the agency who is listed : XXXX XXXX XXXX  Reported : XX/XX/XXXX{$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} OpenedXX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXX I disputed the information. Then in XX/XX/XXXXI called again to XXXX XXXX and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with Equifax twice and they have " confirmed '' it twice. But Equifax says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house sinceXX/XX/XXXX that I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call XXXX XXXX, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.
Product: Credit reporting or other personal consumer reports

To whom it may concern I have these closed accounts with the following banks closed accounts. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each credit company listed agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to XXXX, equifax and XXXX  or any other credit reporting agency.
Product: Checking or savings account

Hi, I am a longtime customer of Capital One Bank and I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau last XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this formal dispute regarding an account appearing on my consumer report that is being furnished and reported without my consent. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes to demand the immediate deletion of this account from my consumer report, as well as compensation for the unlawful actions taken against me. 
The account in question is XXXX XXXX XXXX # XXXX According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies, including Equifax and Experian , are required to exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not being shared without my consent.

Furthermore, under 15 USC 6801, financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect their nonpublic personal information. A furnisher of information to credit agencies is considered a financial institution under this title and, therefore, must comply with privacy and disclosure laws.

15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written consent to Equifax, Experian, or the furnisher of information to report this account. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked.

Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to opt out, meaning this disclosure was unlawful.

15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if the item predates the report by more than seven years, except for records of criminal convictions. The account in question is an adverse item being reported without my consent, violating federal law.

Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person shall not furnish information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given that I have disputed this item, continued reporting constitutes a violation of this statute.

Equifax and Experian are required under 15 USC 1681e to maintain reasonable procedures to prevent violations of 15 USC 1681c and ensure that consumer reports are furnished only for permissible purposes. Their failure to do so demonstrates noncompliance with federal law.

Lastly, under 12 CFR 1016.7, I have the right to opt out of having my information reported at any time. I am exercising this right now and demand the immediate deletion of the disputed account from my consumer report.
Product: Credit reporting or other personal consumer reports

Barclay is paid off and needs to be removed from my credit report
Product: Credit reporting

They 're are XXXX accounts in collections on my Trans union credit report none are mine
Product: Credit reporting or other personal consumer reports

It had been more than XXXX  years since I requested for this to be moved and it is still showing on my credit report.
Product: Credit card or prepaid card

Opened a secured credit card almost 3 years ago and was told it will " graduate '' to an unsecured card within a year resulting in a higher credit limit and refund of my deposit. Has not happened and when I call to ask for information, they only say " we aren't sure why. '' Since then, my credit has improved significantly and I have no trouble getting pre-approvals or limit increases yet this card is sitting there in limbo
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX have violated my consumer rights.

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

You replied that XXXX XXXX  provided you with the public records. But in fact XXXX XXXX removed XXXX of this year and the courts don't report to any bureaus and pacer gives no social security number? I asked for the investigative report that was not given and I also submitted paperwork from XXXX XXXX  and twice you have mentioned this agency when you have not received any results from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a human being that is filing this complaint with the CFPB. I recently sent documents over to Experian on XX/XX/2021. I disputed XXXX XXXX XXXX accounts as they were of identity theft. To my knowledge all were a part of identity theft and I file an FTC report along with a police report. As of XX/XX/2021 XXXX of the identity theft accounts XXXX XXXX were removed and XXXX  remained. Well that makes no sense because if all XXXX accounts were of identity theft why would XXXX remain and all were from identity theft? If all XXXX accounts are identity theft why arent all XXXX removed? I dont know if that was a system generated mistake but it needs to be resolve immediately and permanently by the end of the day on XX/XX/2021 or I will file a lawsuit. I need a supervisor to take a look at this. I have contacted Experian to see why the accounts remain on my consumer report and it has been more than 60 days that these accounts are on my consumer report. I need to see evidence of the procedures during this dispute and who did it and how it was done. I have asked for detailed disputes record and I havent received a darn thing. This is becoming frustrated dealing with Experian. I have come across rude and disrespectful agents who dont respect me as a consumer.
Product: Debt collection

XXXX - XXXX XXXX XXXX XXXX contacted me with a request for full payment for an amount due on my PayPal account. I closed the paypal account and have made regular payments to PayPal. The account is not behind and is in paid each and every month.
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.
Product: Vehicle loan or lease

I purchased a new car XXXX  account # XXXX XXXX. Just before the pandemic, I payed them on time every month and never missed a payment. I lost my job and used my savings account to pay my debts. I called them in more than 4 occasions to negotiate the terms and they said no. 
When I had a health problem I called them again and they make the notations an still no one listened. I When to different banks to refinance they all told me the car is XXXX down.. I called them to dispute the payment and went back to the dealership and they tried to put me in another car with higher price. So I told them I a returning the car volunteerly now they want me to pay them {$13000.00} that I don't have the already mess up my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX  XXXXXXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021
Product: Checking or savings account

In the process of resolving a disputed transaction that occurred on XX/XX/XXXX ( for the amt of {$600.00} ) Direct Express, on XX/XX/XXXX, withdrew {$600.00} in total from my account, deposited only {$300.00} immediately there after ( which hasn't cleared as of the date of this complaint ), and justified its actions via phone call to their customer service Dispute Resolution Dept as the being part of the decision to only allow me to recoup one part of the financial losses that occurred on XX/XX/XXXX. 

The disputed financial loss that is in dispute occurred from an XXXXXXXX XXXX that retracted the withdrawn amount due to timing out. I waited a few days to address the occurrence with the XXXX XXXX due to my thinking that the return of the credit would happen automatically. After a few days of the credit not posting for pending, i called the company and was informed that the only recourse for me was to contact my financial institution and dispute the transaction. They opened a case file and gave me the reference number to forward to my financial institution so they could use it in their investigation. When I called Direct Express the next day, I learned there was an additional ATM withdrawal that I wasn't aware of. I called XXXX again and informed them of that problem and they gave me a separate case number for that problem. It was also described by XXXX as a computer glitch. 

Direct Express provisionally resolved the dispute on XX/XX/XXXX and then later retracted that recoupment without posting the retractment to my account as a - XXXX Their process requires dispute documentation to be returned in a timely manner in order for the provisional credit to be made into an actual credit. That did not occur so the credit disappeared. This made it difficult for the service agent to adequately assist me in gathering information when I called on XXXX about the transactions. I was giving them more information than they had readily available to them. 
Revolving balance accounts are not available on the consumer side of Direct Express ' transaction records- otherwise I could attach documents that show the provisional credit was withdrawn from my account. As it stands it's only my word that i can offer. 

On XX/XX/XXXX, i sent in the dispute documentation via email and on XX/XX/XXXX another credit totalling {$600.00} was deposited to my account and was withdrawn on XX/XX/XXXX. 

While contacting the dispute dept on XXXX, I was informed that Direct Express had determined that it was only going to replace XXXX of the XXXX ATM transaction losses that led to the dispute. Furthermore, i was explicitly told that the other transaction was addressed via credit from the ATM company without any proof either on the consumer end or the service agent of my Direct Express account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Debt collection

The living room and bedroom furniture was sold to me at extremely inflated prices! I called the company because XXXX and XXXX advertised that the taxes on the items would be paid by them. When I got my bill the prices on the furniture totaled over {$4000.00} which was ridiculously high! I called them and the stated that the furniture was fairly priced and they did not agree/advertise that the tax would be paid by them! I informed them that I had filed bankruptcy and gave them my lawyer 's name and numbers. I still continue to get threatening calls, emails and letters!
Product: Credit reporting or other personal consumer reports

I have inquires on my credit report that I have no knowledge of. I believe that I was the victim of fraud. 

I have no knowledge of the following inquires. 

XXXX XXXX XXXX Foursight XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Complaint Regarding Deceptive Marketing and Closure of Credit Card Account I am writing this letter to express my deep disappointment and frustration with the recent experience I had with TD Bank. As a long-standing and loyal customer, I have always trusted TD Bank to provide excellent services and maintain transparency in their dealings. However, a recent incident has left me questioning the integrity of your institution. 

On XX/XX/XXXX, I received a marketing offer in the mail, addressed to me personally, signed by XXXX XXXX, Vice President of TD Bank. The offer detailed an opportunity to upgrade my existing TD Credit Card to a new TD Credit Card, boasting improved features and benefits. Enclosed, I have attached a copy of the marketing offer for your reference. 

Excited about the potential benefits of the upgraded card, I promptly contacted TD Bank 's customer service on [ date ] to proceed with the upgrade. To my utter surprise and dismay, I was informed that my credit card account had been closed. This revelation came as a complete shock, as I had not received any prior communication regarding the closure of my account. 

The discrepancy between the offer I received and the subsequent closure of my credit card account has raised serious concerns about TD Bank 's deceptive marketing practices. It is inconceivable that a representative of your institution, XXXX XXXX, would sign a letter with an offer asking me to upgrade my card, only for me to discover that my account had been closed without any prior notice or explanation. 

I have been a loyal TD Bank customer for many years, entrusting my financial needs and maintaining multiple relationships with your institution. However, this unfortunate incident has severely eroded my trust in TD Bank 's commitment to customer satisfaction and ethical business practices. 

I kindly request a thorough investigation into this matter and immediate resolution to reinstate my credit card account or provide a satisfactory explanation for its closure. Moreover, I expect appropriate compensation for the inconvenience, frustration, and potential damage to my credit history caused by this unjust closure. 

If this matter is not resolved in a satisfactory manner within a reasonable timeframe, I regret to inform you that I will be left with no choice but to consider closing all my existing relationships with TD Bank. It deeply saddens me to contemplate severing ties with an institution I have trusted and relied upon for so long, but I can not continue to maintain a relationship with an institution that engages in deceptive practices. 

I trust that TD Bank will take this matter seriously and take swift action to rectify the situation. I look forward to a prompt response addressing my concerns and providing a resolution. 

Thank you for your attention to this matter. 

Yours sincerely,
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that my credit file was incorrect. I do not have any business with these companies on my credit report. I have completed several disputes through the CFPB. Therefore, I request that you immediately investigate this matter, remove any improper inquiry from my credit report, and provide me with confirmation of the resolution. Additionally, I would appreciate receiving a copy of my updated credit report once this issue has been resolved. 

Please treat this matter with urgency, as it affects the accuracy of my credit history and financial standing.