23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My mother XXXX XXXX, and I, XXXX XXXX, were convinced by XXXX XXXX XXXX XXXX XXXX ( phone # XXXX XXXX ) to check our credit to see about getting a loan to place solar panels on my parent 's residence at XXXX XXXX XXXX XXXX in XXXX of XXXX with Solar Mosaic. This process started on XX/XX/XXXX and the loan became active on XX/XX/XXXX but took until XX/XX/XXXX to realize this loan was on my mother 's and I 's credit report and not taken off like we were told it would be by XXXX XXXX. The installation company for this loan is called XXXX XXXX. There was a partial payment included in the contract my mother missed at {$17000.00} released to the installing company. The loan named me ( XXXX XXXX XXXX as a co-borrower when I was told I'd not be responsible for payments at all. I was also under the assumption my father would replace me as co-borrower before payments were even due. A problem came up with electrical issues in the house, and XXXX told us the XXXX would be canceled and not a problem for us. XXXX XXXX then states they can not close the lone until my mother pays for a XXXX XXXX system that they were supposed to pay {$3000.00} for in my mother 's name for use later with the panels. The system is XXXX and the company that provided it would cost XXXX at most. Mosaic has been told this however, they state if XXXX XXXX does not get in touch and agree to close this loan it is a true and accurate loan. XXXX has not completed the panels. My mother and I need help, someone got money for no work and a loan is open on my and my mother 's credit for no reason, as we've asked this to be removed and canceled multiple times. The contract is so confusing that we didn't realize the full payment my parents would be paying is $ XXXX + for solar panels that were meant to save them money on energy costs ( as described in their pitch they were told they'd even be able to sell extra energy back to WE XXXX 's ) My mother is XXXX and I'm on my way there myself after a couple of XXXX and a XXXX diagnosis. We don't know what to do, my credit is taking hits and I can't afford to have a XXXX + loan out in my name that should never have been my responsibility in the first place. I was told on several occasions that this would be transferred to my dad 's name once his credit was high enough again.
Product: Checking or savings account

Hello I've been having problems with unauthorized charges and transfers to ppl I don't know I desputed theses transactions which were made in a different state than the one in which I reside cash app refunded most of the card transactions but for some reason made no mention of the {$1200.00}. Transfer that was included in the listing of unauthorized charges. When I complained about it they told me that the transaction was authorized! When It was made during the same time as the others The case number is XXXX they say it was made by me or someone authorized to use my account. But I don't have any other authorized users on My account! Please help
Product: Checking or savings account

On XX/XX/21, I received a phone call with the ID as " TD BANK '', and the number was the exact number on the back of my debit card. I was on the way home from a 12 hour shift and was mentally exhausted ( I work in XXXX XXXX  ), and was told there was money being stolen out of my account through XXXX  on my mobile app as several bank transfers. I immediately started to panic because I struggle financially and can't afford fraud. I was suspicious off the bat, however the fact that the phone number was literally the number on my debit card, I thought that it was trustworthy ( plus I'm supposed to have some sort of fraud protection right? ). So I approved the transaction while the woman from the " bank '' was on the phone with me and walked me through what I thought was denying the transaction, but turned out to be approving it. The money totaled {$2500.00}, which put my account into the negative by {$1100.00}. 

I went to the bank a week later to check on the " claim '', and was told that there was no claim and that it was fraudulent. The bank then told me to wait from the fraud department to handle it and call me. This ended up taking weeks until I was finally denied my claim on XX/XX/21, and then again on XX/XX/21 with the same reasoning. 

I now just received a phone call from TD telling me that I am now in collections for that XXXX, despite the fact that this money was taken from me, and I have called their fraud department upwards of 10 times and waited on hold for over an hour multiple times. I do not have the money to pay this, as all my money was just stolen, and the bank has cleaned their hands of this entirely. I am practically begging for some sort of assistance, so I would really appreciate a call back asap. 

Thank you so much for your time and help P.S. I do have documents from the bank to explain this, however it has much personal information on it and the directions here explain not to share that, so I will wait for some sort of contact first.
Product: Credit reporting or other personal consumer reports

Tried to log in to my my credit report and with XXXX and transunion to dispute inquiries and debt collections that have been there they will not take nothing off can not log in my account with XXXX transunion or XXXX need to fix my credit things have been there more than 90 days old debts that have been sold to third party companys and I dont know who they are to many old address to many old enquirys that need to be taken off bringing down my credit score I am trying to buy a house and my scores are not the same they all different scores I need my credit fix no help at all
Product: Checking or savings account

No response to the following written request sent on XX/XX/XXXX ... 
XXXX XXXX XXXX ( my mother ) passed away several years ago on XX/XX/XXXX. Attached is her death certificate and Last Will showing me as her independent executor, sole heir and beneficiary. It has recently come to light that the above referenced account may have gone dormant. It is necessary this account be reactivated ( If applicable ) and I be added as her replacement signatory to conduct the necessary business matters associated with this checking  account. 

A followup was sent certified on XX/XX/XXXX ... 

Although I would ask why I wasnt afforded the courtesy of a response to my letter of XX/XX/XXXX ( copy enclosed ) the more pressing matter is that which was the subject of the letter ; My request to have my named added as a signer to the account so the business matters associated with that account can resume. I purposely have not included another copy of my mothers last will and death certificate trusting the documents sent mid-May have not been lost or misplaced but rather simply not acted upon. Should you need replacements, notify me of such and arrangements will be made to forward duplicates. Use any of the means below to reach me.

I have had absolutely no response to either pieces of correspondence.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, two amounts were transferred out of my checking account with Bank of America through XXXX transfer. The amounts were {$1300.00} and {$140.00} and both were paid to XXXX XXXX ( total {$1500.00} ). I am not sure whether XXXX XXXX is a merchant or an individual! 

I have not initiated these transactions and I really do not know who XXXX XXXX is. On that exact day, I filed a fraud claim with Bank of America which eventually denied the claim. They are claiming that I am the one who must have approved the transactions because an authentication code must have been sent to my mobile number. I tried to talk to several departments at the bank to no avail. 

They asked me to contact my phone service provider which is XXXX to find out if my phone was hacked in the time frame. XXXX said not, it was not. 

I contacted the bank again for the claim to be reconsidered. They said in light of the fact that there was no new information, your claim would be denied again. 

I tried to contact XXXX to resolve the issue. XXXX said I should contact my financial institution to resolve the fraud claim. 

Now I am left without the {$1500.00} and with no hope of my claim being resolved.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuits highlights significant issues with the platform. Despite using Zelle numerous times and reporting issues, Zelle failed to investigate my claims adequately. Zelle neglected their consumers and left users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH EXPERIAN AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE FRAUDULENT.
Product: Checking or savings account

Today, XX/XX/XXXX, I tried calling customer service and there was no answer. I reached out to HSBC on the chat line to ask about my balance. 

They still have had my account suspended. Last Saturday, I went into a branch in XXXX CT. The tellers were on hold with the HSBC customer service for quite some time, by the time they had spoken to someone and completed the call it was over 21 minutes. At that time, I was assured I would be able to do telephone banking and online banking. I have not been able to access my funds.

Prior to last Saturday, I had spoken with someone in the security department, sent my id, spoken to someone online and reached out via twitter. In the middle of a pandemic I have not had access to my money.

The original issue began when I did a mobile deposit to my newly opened savings account ( the check by the way was from a state agency ) and they suspended my account. Opening the savings account was a fiasco too because I received mis-information and was told to apply for a separate account and had to complete 5-6 pages of information ( even after I had opened a checking account ). Another representative said that that was the wrong procedure and I had to cancel that account and reopen a different savings. I called, I wrote and still no service about the suspension of the account. 

Resolution desired : I want my money out of this bank. I can either get my balance and transfer the funds somehow or they close the account and refund me my money. I ALSO want 7 x the amount of money at its highest that was in my account. I have been more than inconvenienced, I have XXXX XXXX XXXX and this has XXXX  me, I have had XXXX XXXX, no access to funds meaning no money for gas, groceries or transportation in a pandemic. 

I WANT HSBC to be held accountable for my suffering and be fined. 

Prior to today 's email here is what I recieved : FDIC Logo XX/XX/XXXX Ref. No. : XXXX Re : HSBC Bank USA , National Association Dear XXXX XXXX : Thank you for your correspondence, which was received by the Federal Deposit Insurance Corporation ( FDIC ).

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX. XXXX  XXXX XXXX, IA XXXX Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Center Federal Deposit Insurance Corporation Division of Depositor and Consumer Protection Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX cc/enc : Consumer Financial Protection Bureau
Product: Checking or savings account

I have XXXX Doolers in Citi bank I cant acsses 2 years without a Phone Im a XXXX living in XXXX XXXX, I went two 5 Pone Companies couldent Get USA bank Phone numbers two Work Two Call a USA Bank Requires International Long Distance Cell Phone may cost me XXXX a Year Or I live in 5 coutries a year and buy 5 new Phones or 5 new SIM Cards XXXX XXXX has email Verifiation and XXXX XXXX is the only Bank Usable two me I would like Citi bank two mail XXXX XXXX a Check fore XXXX Dollers two XXXX XXXX so I can buy Mutuail Funds and Stocks Citi bank could email me the Bank Code Citi bank Could make the Transfer Fore me
Product: Credit reporting

Hello, Experian continues to provide a report from a firm called " XXXX '' out of XXXX, CA reference an unknown billing that has been disputed and the company has failed to provide any proof of debt to me. The information is not accurate and is not owed. Experian should remove the inaccurate information.
Product: Mortgage

I was under forbearance due to hurricane Irma and called every month asking status of the cap an extend. I was told dont worry about it and it was still being approved and their backed up. I stated I wanted to start making my payment and was told not nessary. Then after 8 months was told va approved it if freedom mortgage did two things. They refused so it was not approved and I was told I owed XXXX right now and they reported on my credit. I argued that they need to give me 30 days to make some arrangements. After a lot of arguing and filing a complaint with cfpb they agreed to payment arrangements and removed off my credit. I have made every agreed payment and now half way thru the agreement they started reporting on my credit reports that Im late and its not correct. I have made every payment as agreeded. The refuse to remove it again. This is unfair to me and still seems as it has all along as predatory lending and they are trying everything to get the house. I have XXXX payments left under the agreement and they are damaging me by in correctly reporting that I have not payed as agreed and am delinquent.
Product: Debt collection

I am seriously about to result to legal action against the DRS ( Debt Recovery Solutions ) they have continued to damage my credit. I was never notified that they would be placing a negative collection item on my XXXX  report dropping my excellent score by almost 90 points. This is not something that I will take without a fight because now they have resulted to trying to damage my good credit without notifying me. Please investigate and have DRS to remove this negative medical collection item from my credit report or I will seek legal action. Im going to use the power of social media to share my story because thousands of people are being harmed by their sneaky, conniving and unlawful debt collection practices. I will not move forward with legal action or social media sharing they immediately remove this negative item {$200.00} medical collection from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. I am making this complaint because XXXX would not let me upload this dispute because it was a duplicate which is not true. 

The account type that is reported by the furnisher ( Financial Data Systems ) is being reporters incorrectly and inaccurately. 

The Account Type is supposed to be listed as " medical debt ''. 

The glossary of entry codes written by XXXX does not list " collection '' as an account type therefore this credit file is inaccurate.. 

this furnisher has been notified of this numerous times and still continues to maliciously and illegally reporting data incorrectly
Product: Mortgage

Fifth Third Bank holds our mortgage. We refinanced several years ago and have paid our mortgage monthly, in a timely fashion. It is important to note that although we are given a grace period until the XXXX of every month to become current on our mortgage, this company would immediately start with robo calls on the XXXX or XXXX of every month. It was n't worth it to me, so I started paying my mortgage roughly on the first of every month. On XXXX XXXX, 2015 there was a change with my escrow account. I was not notified of this change in any form, so I made my regular payment in good faith. XXXX came and went without a single courtesy call, or letter to inform me that the amount I had submitted was n't enough to satisfy the account. I made my XXXX XXXX payment, still unaware of the escrow shortage. On XXXX XXXX I received a letter stating that I had not paid enough to make the account current. I immediately called the number provided and was told of the escrow discrepancy. I paid the amount due XXXX {$100.00} XXXX and was assured that the account was not in danger. I then received a letter dated XXXX XXXX, 2015 stating that my " mortgage payment is now past due and the loan is in default ''. Fifth Third Bank had already gone ahead and reported this late payment to the credit bureau on XXXX XXXX as a 30 day late!!! My credit score has now dropped from XXXX to XXXX!!!!!!! To make matters worse, I received yet another phone call from another branch of Fifth Third Bank stating that I had also missed my XXXX XXXX payment. Not only had I paid my XXXX XXXX payment, but I had also submitted XXXX payments of {$100.00} in order to satisfy the XXXX XXXX shortage AND the XXXX XXXX shortage. When they looked into the matter, FTB apparently did not apply my payment to my mortgage, but counted it as an additional payment to the principal because the payment was paid on XXXX XXXX, 2015. I have tried several times to reach the 3 people at Fifth Third who have vowed to help me, but no one answers their phone. I am still receiving daily notices that my mortgage is in default even though I have not missed a single payment, and I have satisfied the 2 additional escrow shortages. 

To add insult to injury, I was notified by XXXX XXXX that the terms of my Business Platinum account had changed. This is my business account that I run XXXX dollars through every year! My business grosses over 2 Million Dollars of business a year and we heavily rely on our credit to finance equipment, extend lines of credit and other needs. Thus the " trickle down '' of this credit nightmare begins! HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account ( XXXX XXXX XXXX ) on my credit report several times with Experian dates are,XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX, XX/XX/XXXX Report Number : XXXX and each time they keep coming backed verified and when i asked how did they verified more than one representative said to me that they don't verify or investigate they only get a digital verifications from the creditor and that's what they use to verify an account. That account was not authorize by me nor did i approved my information to that company, i have tried asking this company several times to send me information showing my information that was used like ID, signature and address which they send over and signature which is not mines, no ID and the address they are showing they send my info too is listed in Texas but i been living in NJ for over 13 years and have never lived in Texas. I asked Experian to please investigate and verify my claims but yet still they are not and by law and the fair credit act i have a right to have and item investigated and removed if its not mines or not reporting proper information. The dates of the inquires don't add up on my credit report along with the account date open. I don't believe Experian are trying to do the right thing and they need to do a better job with verifying and helping the consumers. I would like to have this account deleted by Experian with no exception because they are not doing there job. I even send over supporting documents to them on XX/XX/XXXX by certified mail tracking # XXXX to support my claims and will be sending over to you as well. The fair credit act are there in place for consumers and by law we have rights but Experian is not following the law only making they own and allowing companies to report anything because they know Experian don't verify anything.
Product: Credit reporting

I have accounts that are over 10 years old that the credit company is still showing as bad credit.
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 confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX  {$1000.00}, Account name : # XXXX XXXX XXXX {$330.00}, - However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

My fed loan servicing accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my Fed Loan is not. I have filed multiple inquiries with the 3 CRA 's and with Fed loan directly with no resolution. 
Each account with Fed Loan is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with FedLoan without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.
Product: Credit card

This is in response to ALLY BANK and/or PLUS FINANCE for account ending in XXXX ; According to the Internal Revenue Service ( IRS ) XXXX an unpaid charge-off is considered INCOME and according to the Fair Credit Reporting Act ( FCRA ), Income can not be reported on a credit report. As of XX/XX/year>, the information being reported as Charge-off is inaccurate and per the FCRA this account is required to be deleted ; I also have not received the XXXX so I may assess the taxes upon this transaction, please provide. 

I also revoked the power of attorney, and reserved all my rights, titles, and interest in the transaction, as well as my right to privacy in reporting information in a previous complaint.