23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid off a debt prior to purchasing my new home. That debt was satisfied by the Title company on XX/XX/XXXX. On XX/XX/XXXX I was served judgement papers at my new home which is also my place of employment. I never received any correspondence from this company in the past year since the debt was paid. However it is clear they knew where to find me. They had the new address from the payoff file on the new home. 

When I tried to follow up on this with a phone call I was told that I still owed the debt. I even gave them the payoff information. It was not until after the title company got involved and presented them with proof via the wire transfer receipt dated XX/XX/XXXX that they finally agreed. 

After they received this information I was told that the paperwork submitted to XXXX XXXX County had been filed to satisfy that order. I asked for a copy of this four times before finally receiving that today after having to threaten to file a consumer complaint against them in my forth request. 

This judgement was satisfied over a year ago. Both myself and the title company had issues with them and it took weeks to verbally get a payoff amount. Even then they would not provide anything in writing. This company needs to be shut down.
Product: Checking or savings account

Transfer fee electronically online several of time. I was being penalized for at one time. Overdrafts fees too
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EQUIFAX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 3 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Mortgage

The loan estimate issued XX/XX/2020 showed estimated closing costs of XXXX. The estimate calculation under calculating cash to close showed an adjustment and other credit of XXXX. 

We questioned what this was with the loan officer, XXXX XXXX, at Regions Mortgage and he said that it was what the seller had to pay under the purchase agreement. We wanted to make sure the estimate of XXXX was accurate as we didnt want a surprise at closing of needing more money to close. 

On XX/XX/2020 we were issued a Closing Disclosure showing closing costs of XXXX which was substantially higher than the estimate. Under calculating cash to close the XXXX adjustment and other credit wasnt listed under final nor was it listed as under loan estimate even though it was on the loan estimate. 

We questioned this with the loan officer and his Manager, XXXX XXXX, VP Mortgage Production Manager and was told it would be corrected prior to the closing on XX/XX/2020 and that the closing costs would be lower. 

On XX/XX/2020 we were issued another Closing disclosure that showed closing costs at XXXX which was substantially lower than the estimate. It was showing the sellers paying almost everything. This didnt make sense to us and we consulted with my father who is an attorney. The purchase agreement had the sellers paying minimal amount at closing. Again this disclosure didnt address the XXXX. 

We were then issued another Closing Disclosure on XX/XX/2020 that listed closing costs at XXXX and didnt again address the XXXX. It was never listed on the closing disclosure as a discrepancy to show why the closing costs were raising as it should have been. Our closing costs was XXXX over our estimate. We believe that if the Bank had correctly filled out the disclosure it would have had to offer a higher offset due to being over the legal limit that would have resulted in less costs to us over our loan estimate.
Product: Credit card or prepaid card

I had a XXXX account and cancelled it because I have a identity problem that I am closing accounts that I don't need. I started cancelling accounts and XXXX wants to charge a convenience fee. This a unfair charged that I don't agree with all the fraud happening today I don't there service nor want it. I am retired and will now will do my shopping at the XXXX, XXXX. Thank you for your time in this matter.
Product: Credit reporting or other personal consumer reports

For whatever reason nothing that has changed on my credit report shows when people pull my credit on Experian.com but all others show my improvement. Experian hasn't updated since XXXX, XXXX. XXXX. I just got denied XXXX loans because of this and it's making my Bad situation worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim for identity theft. The following inquiries are a result of fraud. The inquiries as follows 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Im never requested credit or did an application for these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigates my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My mortgage was transferred from The Money Source Inc. to XXXX XXXX on XX/XX/2020. 

Prior to this I made two payments to The Money Source Inc. : {$50.00} on XX/XX/2020 and {$2500.00} on XX/XX/2020. The Money Source Inc. never applied these payments to my loan, and transferred the full outstanding balance to the new servicer. 

I reached out to The Money Source Inc. over the phone on XX/XX/2020 and was guaranteed they would resolve this by XX/XX/2020. I called on XX/XX/2020 and was guaranteed a call-back the same day from a supervisor. I called on XX/XX/2020 and was hung up on. 

I have been accruing interest on this unapplied payment since XX/XX/2020, and had to pay the new servicer so I would not be in arrears. They still have not provided me my funds, nor provided information on resolution.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the presence of fraudulent accounts and inquiries on my credit report due to identity theft, which I believe is connected to the XXXX data breach. As a victim of identity theft, my personal information was compromised without my consent, resulting in the unauthorized use of my information to open accounts and initiate credit inquiries. 

ACCOUNTS : XXXX XXXX ( Account # : XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX ) -XXXX XXXX XXXX  ( Account # : XXXX ) -XXXX XXXX XXXX XXXX Account # : XXXX ) INQUIRIES : XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the right to have all fraudulent information resulting from identity theft removed from my credit file. I have provided XXXX with a valid identity theft report and the required documentation to support my dispute, as mandated by this law. However, XXXX has failed to promptly and properly remove the fraudulent accounts and inquiries as required by law. 

This violation not only disregards my rights under the FCRA but also exacerbates the harm caused by the XXXX data breach. I am requesting immediate action from the CFPB to ensure compliance with federal law by XXXX, including the removal of all fraudulent accounts and inquiries from my credit report and ensuring no further harm results from this data breach. 

Attached to this complaint, I have included : 1. My identity theft report. 


2. Supporting documentation such as correspondence with XXXX. 


3. A list of fraudulent accounts and inquiries appearing on my credit report. 



I respectfully request that the CFPB investigate this matter and hold XXXX accountable for its obligations under FCRA 605B.
Product: Checking or savings account

Wells Fargo advertised a {$250.00} promotion for new checking accounts. I opened an account during the specified timeframe, made the requisite opening deposit and established a direct deposit to meet the qualifications for the {$250.00} promotion. Through a series of emails, Wells Fargo, first confirmed that I qualified for the promotion and would receive the funds in 45 days. Then after the 45 days past and no evidence of the reward, I contacted the Bank inquiring about the issue. A different customer service representative indicated that, now, I did not qualify for the promotion. Recent communication with the Bank, reversed course again and indicated I did qualify but would need to send my tax id number ( although they acknowledge they have my social security number which is my tax id number ). Then, the representative said once the Internal Revenue Service confirmed my tax id number, they would revisit my eligibility for the reward. I have never been subjected to confirming information with the IRS to receive a reward with other banks like XXXX who offered similar promotions. <P/>I have also never communicated with a company with such inconsistencies and resistance to awarding a customer for something they clearly qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to XXXX XXXX  and then directly was emailed & directly mailed to their CEO & CFO with a copy of the 1099-c, which I have submitted here. 

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX  CHARGE OFF FOR {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance XXXX {$6200.00} XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

On XXXX/XXXX/2016 I reached out to the Discover personal loan origination department with questions on whether it made sense to refinance my existing Discover personal loan or not. After a short conversation we came to the conclusion that it did in fact make sense to refinance the loan as the interest rate could be lower as well as we would shorten the term. 
After obtaining my permission to pull my credit and getting my income information the representative informed me that we would not be able to go forward with the loan because Discover does not lend more than {$31000.00} to any one individual. I would have been alright with this answer if they had informed up front that they do not loan out more than {$31000.00} for any one person but they did not. Also, the loan application was for {$17000.00}, the exact amount of the existing loan. The term refinance does not mean doubling the amount of what you trying to obtain, it means you are financing something again at a lower rate or different term. 
At this point I requested a manager. As soon as the manager came on the line I could tell he was not taking the situation as serious as he should have. He reaffirmed what the representative had stated and said that he would not be able to remove the credit inquiry. The only thing that I was upset about was the credit inquiry, I understand that lenders have limits on what they are willing to lend to any one person. In this circumstance the loan application should have never gotten to the point where credit was pulled. All of their employees and the system they use should recognize what application limitations are so that they do not negatively affect their customer 's credit scores with unnecessary credit inquiries. 
I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX, Inquiry Date : XXXX XXXX XXXX  XXXX ( XXXX ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Transunion ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Debt collection

Recently I have received several calls on my XXXX device from Bass & Associate asking to speak to my XXXX mother. I communicated that I am her POA and can speak with them about this issue. They refuse to talk with me and I asked them how did they get this number. I communicated to both representatives that my mother is an XXXX XXXX living on a fixed income, social security, which is barely enough to pay her monthly expenses. They are attempting to harass her about a debt that she does not owe.
Product: Debt collection

I had a credit card debt with Bank of America and was not able to pay so I hired XXXX and paid them a fee to settle the debt for a lesser amount than that which was owed. XXXX negotiated a settlement amount and terms which I agreed to, and I paid to XXXX for two years at which time I received a notice that the settlement was complete and my debt was resolved with Bank of America. BofA now claims that I still owe {$18000.00}. I paid a total to XXXX of {$22000.00} for Bof A and {$7700.00} in fees to XXXX. I have been in contact with both XXXX and Bof A and both groups refuse to do anything about the problem. I am at this time seeking help from cfpb to resolve this situation. 

Sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

SunTrust fraud case # XXXX My card number was stolen and the perpetrator used my card on three separate occasions in California . I filed claims on each transaction and the first two were honored. Although our son has used XXXX, he did not on the day of this charge. However, SunTrust denied the claim. 

I do not understand the rationale behind the decision when it is obvious this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Transunion, and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Checking or savings account

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 request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

y recived a copy of my credit report and i noticed XXXX accounts the are not mine
Product: Checking or savings account

My fiend asked me to deposit his cashiers check from XXXX bank into my account since he didnt have an account of his own. I mistakenly did so and gave him the funds in the amount of {$2100.00}. The next day I was notified by Wells Fargo that the check bounced as it was a fake check. Now the friend will not pay me back and nobody from XXXX will even talk to me about this as they refer me to XXXX and XXXX just refers me back to XXXX. I have had no success in reaching either institution. My friend is ignoring my calls, texts and messages asking for payment of the money he fraudulently had me deposit into my account which bounced and now I owe the bank {$2100.00} but XXXX cant afford that.
Product: Money transfer, virtual currency, or money service

Claim Denied Without Proper Investigation or Evidence I am updating this complaint to report that Wells Fargo denied my fraud claim regarding {$13000.00} in unauthorized transactions ( filed on XX/XX/year> ). On XX/XX/XXXX, which marks the XXXX business day, I received a denial letter stating that the transactions were " authorized. '' However, no documentation or evidence was provided to support this conclusion. 

This denial violates Regulation E ( 12 CFR 1005.11 ) for the following reasons : Lack of Reasonable Investigation Wells Fargo did not explain how the transactions were deemed authorized, especially considering the high dollar amounts and that they occurred outside of my state.

Failure to Provide Documentation Under 12 CFR 1005.11 ( d ) ( 2 ), I am entitled to review the banks investigation and findings, which they have not supplied.

No Provisional Credit I did not receive a provisional credit by the 10th business day as required under 12 CFR 1005.11 ( c ) ( 2 ).

Burden of Proof on Bank It is the banks legal responsibility to prove authorization. Simply concluding that no error occurred is not sufficient.

I have submitted a written escalation letter to my local branch requesting a formal reconsideration and documentation of the investigation. I am asking the CFPB to hold Wells Fargo accountable and require them to properly handle this case in compliance with Regulation E.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding inaccurate and inconsistent reporting by the major credit reporting agenciesXXXX XXXX and XXXXconcerning my Macys/American Express account . 

Specifically : XXXX  and XXXX  are reporting the account as closed. 

XXXX, on the other hand, is reporting the account as 120 days late. 

This discrepancy is not only confusing and misleading, but it also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to consumer reporting agencies be accurate and consistent across all bureaus.

I did not authorize nor was I made aware of any activity that would warrant this derogatory and inconsistent reporting. The conflicting information is damaging my creditworthiness and financial standing.

I am requesting that this matter be fully investigated and that the inaccurate derogatory reporting be removed from my credit reports with all three bureaus immediately.

Please let me know what additional information or documentation is required to move this forward.

Thank you for your assistance in this matter.