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

Most of times U.S. BANK not only was doing FRAUDULENT PRACTICES AND GAMES but also at the time of closure of my checking account ending in XXXX the FUNDS/MONEY also have had WITHDRAWN/TAKEN on XX/XX/XXXX without my knowledge nor Officials of said U.S. BANK taken little troubles to inform me about where and with whom FUNDS lying? Moreover, Oh Yes prior to this WITHDRAWALS the U.S. BANK repeatedly DONE BIG BULUNDERS, in others committed Civil and Criminal OFFENCES by having informing " THERE IS NO FUNDS AT THE TIME OF CLOSURE OF MY CHECKING ACCOUNT. Again VERY RECENTLY U.S. BANK in its letter of XX/XX/XXXX tries to make 'Biggest CHEATING GAME and I QUOTE : " After a thorough investigation, we acknowledge that the investigation of these funds took longer than expected ''. UNQUOTE. Will U.S. BANK favour me ALL DETAILS of this information. U. S. BANK also returned my check number XXXX of XXXX XXXXXXXX XX/XX/XXXX with FAKE AND FRAUD REMARK " ACCOUNT CLOSED '' whereas my account was closed on XX/XX/XXXX. Also as FRAUD U.S. BANK returned my payment of {$1000.00} to XXXX XXXX XXXX  with FRAUD REMARK ACCOUNT FROZENED. WHEREAS U.S. BANK in its letter of XXXX/XXXX/XXXX said few words and I QUOTE " ONCE THE ACCOUNT IS CLOSED, ITEMS PRESENTED FOR PAYMENT WILL BE RETURNED " ACCOUNT CLOSED '' UNQUOTE. IN LIGHT THESE WORDS WHY U.S. BANK returned my these TWO PAYMENTS prior to closure my account which was closed on XX/XX/XXXX. TOO AS A FRAUD U.S. BANK repeatedly and repeatedly claimed that deposit I made of {$2300.00} on XX/XX/XXXX was returned unpaid WHEREAS this was CLEARED BY XXXX XXXX  whereas I asked U.S. BANK to send me proof if this check of {$2300.00} returned BUT not sent me evidence. LASTLY I WANT FIRM RESPONSE FROM U.S.BANK why WITHDRAWN funds of {$1800.00} withheld till XX/XX/XXXX whereas this fund was WITHDRAWNon XX/XX/XXXX. How and under circumstances officials of BANK WAKEUP after LAPSES OF BIG PERIOD for not only issue of CASHIER 'S CHECK BUT ALSO FOR TO MAKE A PHONE CALL TO ME AS A XXXX CALLED ME will Bank explained on this BIG ISSUE, A IMPORTSNT ONE.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX a Phoenix Financial Services requested a debt be paid of {$550.00} to a medical company by the name of XXXX XXXX XXXX XXXX, which when researching online is considered a highly illegal and wrongfully created debt creditor. I spoke with the emergency room and original collector who filed a claim with my health insurance and the original claim was collected. The original account number and original creditor listed on the form from Phoenix Financial Services are incorrect and they stated that I would need to still pay out of pocket for the debt even though it had already been paid. Phoenix Financial Services is using childrens medical issues to gain monetary funds to their benefit. It is disgusting that this is happening to anyone. Let alone that there are already multiple lawsuits against said company beginning in XXXX.
Product: Debt collection

I have reached out to this phone company and all credit bureau multiple times and even tried disputing this claim off of my credit. This bill was not purchased by me. I never had or have any interest in opening a phone plan with this company. I have contacted the company multiples time and they give me no help. I even given information about me being robbed multiple times and all my information was taken and thats where this problem couldve came from they still dont even allow me to explain myself or even give me any help to get this bill off of my credit that isnt mines
Product: Mortgage

My lender made adjustments to our closing disclosure after closing since they did n't disperse the correct funds to the correct places. I was issued several additional closing disclosures, but they did n't balance and some of the numbers were stating amounts that were n't accurate. The lender sold the loan to a servicer and is no longer responding regarding corrections to the closing disclosure. I requested a copy of my final closing disclosure from the servicer and the only send me the original and not the revised versions. Keep in mind that I still do n't have a closing disclosure showing the correct amounts paid at closing that balances. We closed on  XX/XX/16   . We originated with  XXXX   XXXX  and the loan was purchased by PNC Mortgage. I have contacted both many times to fix this, and they have only sent the original one. I attached the correspondence with PNC.
Product: Credit card

It's experian they keep saying i haven't paid or the company isn't reporting that I paid but I have letters saying all my debts are paid so it's still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX account number XXXX  in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt.

The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, TransUnion, XXXX, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am writing to share my concerns about Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit. Although Ive used Zelle many times and reported issues to my financial institution, neither they nor Zelle thoroughly investigated my claims. I was informed that recovering my lost funds was not possible and that tracking the transactions could not be done. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer protection.
Product: Mortgage

Experience is Knowledge, and Knowledge is power. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX Thursday, XXXX XXXX, XXXX XXXX. 
XXXX XXXX, VA XXXX Attention : Consumer Solution Department As of XXXX XXXX, 2016 the named company received my mortgage as the Server. To date, I have received no correspondence from Loan Care. I contacted my old Mortgager and was informed to wait for a new loan number from the New Server, Loan Care. 

My transfer letter states that during the next sixty days, no late fees may be charged to me, until the Loan is properly transferred. 
I am presently receiving harassing automated calls from Loan Care. A follow up call says that this is a courtesy call reminding me that my loan is due on XXXX XXXX, 2016. I contacted Loan Care via phone and was told that the Harrassment Calls could not be halted unless I write a request. 

Please consider this my request, that automated Harassment ( courtesy calls ) must not be made to my phone. I pay for this phone service for my business use. Your continued harassment will be reported for what it is : an interruption of my peace, disturbance of my livelihood, an intimidation. 

Please immediately stop future calls to my number, ( XXXX ) XXXX.
Product: Checking or savings account

I opened my checking account with a {$500.00} referral code but Albert keeps saying that I am not qualified for the bonus.
Product: Vehicle loan or lease

I am an XXXX XXXX service member and I was denied Service Civil Relief Act for high interest. I applied for it and I was denied. I need to file a complaint for this.
Product: Mortgage

I was approved for a loan modification, however the figures used were incorrect. I asked the bank to please relook at the figures before I committed to a loan modification. Bank states this is what they have on the financials for me Gross pay {$14000.00} Net {$10000.00} {$6800.00} - Extra income to work with each month. ( Wrong ) My actual income gross monthly is this : XXXX {$5800.00} Gross XXXX {$3000.00} Gross I was told by the bank that the foreclosure sale on XXXX.17 would be postponed while this was appealed.However the court docket shows as follows : Sheriff # : XXXX-XXXX Court Case # : XXXX Sales Date : X/X/2017 Plaintiff : M & T BANK Defendant : XXXX XXXX. XXXX, XXXX AKA XXXX XXXX XXXX XXXX , AKA XXXX XXXX XXXX, XXXX, ET AL Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Approx. Upset* : {$240000.00} Attorney : XXXX XXXX  XXXX, XXXX Attorney Phone : XXXX Status History Status Date Amount Name Scheduled X/X/2017 {$0.00} Plaintiff Buy Back X/X/2017 {$100.00} M & T BANK When I call the bank they state the home did not go to sale but will not instruct XXXX XXXX to correct the recording with the courts.
Product: Credit reporting or other personal consumer reports

I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} ; XXXX  XXXX XX/XX/year> ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/year>.
Product: Debt collection

I sent the initial dispute requesting validation on XX/XX/2021 as well as a cease and desist asking Wells Fargo to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. I also filed a CFPB report ( XXXX ) ; i then received correspondence back on XX/XX/2021 stating that Wells Fargo provided information validating the account but i did not receive the 5 things required pursuant to 15 USC 1692g shown in exhibit B. Since providing all 5 requirements are not optional, Well Fargo is in direct violation on federal law.

I did however receive billing statements from WELLS FARGO shown in exhibits D-G suggesting that an alleged debt was owed but all balances on the statements were positive. this is very false and misleading and in direct violation of 15 USC 1692e ( 2 ).

I also received from WELLS FARGO a copy of the credit application proving that this is a consumer credit transaction that i initiated and i am not liable to pay any alleged debt. I also received a copy of the contract I received from well Fargo shown in exhibit A,
however i noticed in this contract that there is not a right to rescind section ; and i never received any disclosure pertaining to my right to rescind including the proper forms to exercise my right to rescind. This is a violation under 15 USC 1611 ; WELLS FARGO is criminally liable for willful and knowingly not disclosing my right to rescind. As well as civilly liable for {$5000.00}.
Product: Credit reporting

I checked my credit on XXXX XXXX XXXX to find that my credit report had an error in there that included XXXX Mississippi two times I have no knowledge of this account that is reporting on XXXX XXXX from XXXX Mississippi I believe that the credit bureau Equifax added that account on my report due to retaliation because I file a complaint on them with the CFPB I am asking for both of the XXXX Mississippi accounts to be deleted off my report this error has made my credit score go down XXXX points.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts : Citibank XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple late payment remarks on this XXXX  XXXX auto account. Account number XXXX. I have sent proof to the bureaus that the late payments are reporting inaccurately and need to be removed and updated
Product: Bank account or service

Huntington Bank bought out XXXX. I had a checking account with XXXX XXXX. I attempted to access my account through Huntington, but could n't. When I called Huntington they said the account was closed, because I owed {$70.00} something to my XXXX XXXX account, which had been sent to collections. My very last communication with XXXX XXXX was an email saying my account was low, but not overdrafted. Huntington told me to contact XXXX XXXX ... which, of course, does n't exist any more. I have received no communication with either Huntington nor with any collections agents. Huntington 's staff was incredibly rude and unhelpful. I was hung up on twice, and they kept rerouting me to different departments. No one would give me an employee ID number, even when I asked. The names of the employees I did talk to was " XXXX '' XXXX she would not give me her last name ), and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have Business checking account with Wells Fargo. I have no idea what is direct pay and why I am being charged {$10.00} for this fees every month. 
I got one email ( XX/XX/2019 ) about this charge and i remember long time back i told them not to have it on my account. 
I sent them one email right back that take back that charge from my account and i don't this service and please don't throw your services to me unless i ask for it. 

No response from Wells Fargo Then i called upon on XXXX XX/XX/2019 at around XXXX XXXX  central time. ( XXXX ). 20 minutes of hold time and then a human being. Wells Fargo has put a real buggy and useless auto bot ( IVR which collects all the information and good for nothing-i dont want it at all ). Then talked to a male. That guy was totally clueless and have no idea what he is talking about - simple waste of time ... then making excuses can't understand me when i ask him to do some real job. He has no idea about this and wasted another 10 minutes.

Finally he transferred my call to online banking..which stated another 25 minutes of hold time. 

Wells should hire smart and talented people and should know what they are doing. 
They should not waste customer 's time.
Product: Credit reporting or other personal consumer reports

Since XXXX of 2020 I have been dealing with identity theft, after filling a police report when my purse out of my car, all of my personal information including my XXXX social security cards, my bank cards and credit cards, even my unemployment XXXX debit card was stolen. Which resulted in my dealing with them taking over {$25000.00} dollars from me during the pandemic. I have send off credit reports and dispute letters to all three credit bureaus, Trans union XXXX and XXXX requesting them to please remove these accounts that have been fraudulently open. With proof of ID showing I do not even stay at those residents listed on credit reports. Due to these unauthorized charges on my credit report I did not apply for, please remove immediately. Nothing has changes
Product: Credit card or prepaid card

I open a Kohls credit card on XX/XX/XXXX, During that time I had no prior knowledge as to how credit worked. I contacted Kohls on XX/XX/XXXX to settle the debt and was offered a settlement payment to resolve the debt in the amount of {$350.00} which I paid in two installments on XX/XX/XXXX and XX/XX/XXXX. Kohls informed me that this would settle the debt for the card and would be removed from my credit report as negative statements. I have since noticed that after the last payment was made on XX/XX/XXXX Kohls only updated my credit report to show that I have unresolved debt.
Product: Credit reporting or other personal consumer reports

I disputed a negative account on my XXXX XXXX credit report XXXX XXXX XXXX  and have made multiple attempts to both credit karma and XXXX XXXX directly over the past year to no avail. According to credit karma this dispute is till in progress\under investigation with an estimated completion date of XXXX XXXX XXXX  yet that date has long ago come and past with no updates. The dispute file number for this is XXXX and the remedy for this complaint is the immediate deletion of this account and all associated information related to it removed from my credit reports. The account holder is XXXX XXXX XXXX and is still reporting with a year long dispute in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, XXXX, and Transunion to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from XXXX  in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) as well as the accounts 1.  XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.XXXX XXXX XXXX # XXXX, 4. XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Transunion has not provided on accurate verification whatsoever. In fact Transunion has not even responding to my dispute therefore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Transunion has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Transunion not being able to provide any sufficient documentation obligating me to these accounts.
Product: Mortgage

This is a serious problem regarding loan servicer Selene Finance. On XX/XX/2023, I was approved for a mortgage modification by XXXX XXXX. XXXX XXXX signed off, and the document was notarized. In the days following, my mortgage was sold to Selene Finance. I was assured by XXXX XXXX that the modification would be quickly processed and honored by Selene Finance. Selene Finance has confirmed via phone since XXXX XXXX  that they do indeed have the modification documents and will honor the approval by XXXX XXXX, as they are required to do. However for the XXXX months that they have had this loan, they have not contacted the attorney for the city of XXXX, XXXX XXXX, to suspend the foreclosure. I have called Selene numerous times but nobody is returning my calls. I have sent numerous emails with auto-confirmation of receipt but nobody from Selene has replied. The clock on the foreclosure is ticking despite my numerous efforts to urge them to finally process the paperwork received from XXXX XXXX back in mid XXXX. They assure me each time I call that it will only take XXXX days, yet it's been XXXX months with absolutely no progress. When I looked online there appear to be a great many complaints about Selene to this same effect!! I am XXXX XXXX XXXX and very scared I might lose my home despite a mortgage modification approval and many attempts to communicate and fix this situation! Please help me!