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

On XX/XX/XXXX at XXXX we received a suspicious text message claiming to be from Chase that our account ( s ) would be closed. Getting a weird message, just 3 days before XXXX was particular alarming to say the least. We immediately made phone call after phone call to try and see what this was in reference to. After over a week of trying to figure this out and speak to someone we are no closer than we were since we received this text message. I had zoom call with our Chase rep there next day and she was no help at all. All that was stated was that she had some great offerings for me and my company but could no longer move forward because our account ( s ) were being closed do to the financial institutions decisions. At first we were advised that our business checking account was closing, ..with no explanation at all. But now we have received a letter stating that all our credit cards, both personal and business are closing on XX/XX/XXXX. Why? We have been loyal members to Chase for over 15 years. We run ACHs out of our business account and use the Chase cards for all sorts of business expenses and the personal cards for personal expenses. We have never missed a payment and if we have ever been late, we have called and done our best to explain the circumstance. We have till XX/XX/XXXX to get all of our points out of the credit cards and now have to find another business checking account. And agin, no explanation has been given to us as to why we are in this position to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting to XXXX Equifax XXXX, XXXX XXXX XXXX has reported fraudulent information to my credit report since XX/XX/. Formerly known as XXXX XXXX XXXX committed illegal activity with illegal repossession and continued to collect payments. Account has not been removed from credit reports with incorrect report information according to FCRA section 609, 611 and 623.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. 
( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if
Product: Mortgage

this is my second complaint. i have been sending documents along with the updated application for several months now and every time I send in the list of documents needed, they keep saying something different when I call in for a status update. I even include the list of documents that the emailed me on missing documents. I recently called again after submitting everything on the list sent to me and now she is stating that I still have other documents. I feel that this a stall tactic for time to run out. 

I never received any document for court for foreclosure they just kept asking for more documents. 

I didn't find out that my home was in foreclosure status until people kept calling asking did I want to sell my property before foreclosure take place. they are the one that gave me my foreclosure date, the I called the mortgage company to confirm this information. I then asked why I hadn't been notified with all of the calls and communication I have had with them. they said it was sent in the mail and I never responded. I informed them that it was because I never received any notice. Had I had received this noticed I would mentioned it in the many conversations we have had trying to complete the modification application. 

i have submitted the documents she stated I need this last call last week, however she refused to email me a list of missing documents this time. She stated she couldn't and I informed her that the representatives that I have spoken to in the pass sent me a list so I would be able to know exactly what I need. So I did send in what she said I needed on both of loan accounts
Product: Credit reporting or other personal consumer reports

XXXX literally ignored my ftc report proving these items were fraudulent added onto my account they literally told me the next day it was verified when I literally have proven and provided proof of fraudulent activity and they still leave things on my credit report i should sue these bureas with are well within my rights this is not a investigation they totally disregard my ftc report and leave everything as verified when its clearly fraudulent please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US DEPT OF E/XXXX Account # XXXX, US DEPT OF E/XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act PennyMac # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I was sent a bill from Kinum Inc., a collection agency for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  for my minor son XXXX XXXX. They sent me a bill for {$300.00}. Their itemization on the bill was a charge for {$29.00} and another charge for {$74.00}, for a total of {$100.00}. Not {$300.00}!! I wrote them a letter on XX/XX/2020 asking for an itemization of this bill to show where the {$300.00} came from. Also to clarify that this was not billed correctly by the original debtor and that I was disputing this bill. I'm a XXXX XXXX   XXXX XXXX  and am on XXXX. I do have XXXX as primary insurance though. Consequently, my son has XXXX as his primary and has XXXX as his secondary. XXXX ALWAYS picks up the remainder of the bill. This is not a valid bill. Kinum has continued to harass me and call me. Yesterday, XXXX, I got a call from Kinum at XXXX The gentleman I spoke with was not a gentleman at all. Very forceful and refused to listen to the fact I sent them a letter of dispute and asking for them to validate the debt asked for. This is all clear violations of the FDCPA, as I know because one of my jobs when I worked for the XXXXXXXX XXXX XXXX was to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will not stand for these companies trying to bully people. I do have proof I sent them a letter with their billing statement on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXX Bank on XX/XX/XXXX. ... ... ..... 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end ... ... ... ... ...... 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit 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 card

Today on XX/XX/2024, at XXXX XXXX  I was contacted by XXXX XXXX XXXX claiming to be American express and claiming that I had an account that had recently purchased a large amount of firearms. Said account was allegedly opened up earlier in the year in May and opened up in XXXX and I have not been to XXXX since I was a child. 
This was immediately suspicious because I very regularly track my credit reports and there has been no hard pulls on my credit for opening up a new account for many years since when I last opened up a bunch for the sake of building credit. 
I told them that I had an urgent appointment to get to and to give me a call back number, of course they did not and instead asked for a time to call me back while urging me that if I did not resolve this immediately that I would be liable for the purchases. We arranged a XXXX call back time and I immediately contacted AMEX support directly from my mobile app. They confirmed that I had no new accounts and that the only open account I have is my skymiles card that was unrelated to the scam call and I could see in the app had no new purchases on it. 
Anyway, the scam phone number again was XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against XXXX, Transunion, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key Violations : 1. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
2. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ).

3. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ).

o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Mortgage

On XX/XX/XXXX we started the process for refinancing our home. We were conditionally approved on XX/XX/XXXX pending verification of documentation. We submitted all requested documentation the same day it was requested. On XX/XX/XXXX we became aware that Rocket Mortgage had failed to inform us that it was necessary for us to arrange with the attorney to do the closing for us so nothing had been done regarding title documentation. After that was taken care of, the rate lock was extended due to their delay. On XX/XX/XXXX, the attorney forwarded the title documents to Rocket Mortgage. On XX/XX/XXXX, they claimed the title was never received. They subsequently found that they in fact had the documents in their possession. After requesting several status updates, on XX/XX/XXXX we received a response stating our loan was " in line for final review ''. On XX/XX/XXXX, following another status request, they stated our loan was in the final review process. On XXXX it was discovered an updated bank statement was needed, which was submitted that day. We were later informed the loan was being wrapped up and they would follow up with an update. Today, we informed the company we were filing a complaint with your bureau if we did not finally get a closing date today. We were told to expect to hear from them this afternoon and our closing might possibly be tomorrow. Again we have not heard anything since.
Product: Debt collection

The data that you showed in my credit report I previously requested a proof of how you managed this. Once more, you can't demonstrate any of the data referenced in the past credit report information that I challenged with.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
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 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 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/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Frost Bank account to fraudulent investment firm ( s ). 

I filed the complaint to the bank on XX/XX/XXXX, asking for CHARGEBACK, because I made a credit card payment to a scam organization directly. 
they told me it was too late. I was late with the complaint XX/XX/XXXX days, and I could not file a complaint earlier, because I was not aware that a was a scam ( which was their goal all along ). 
I believe that the bank could helped me at the time considering it was a case of scam/ fraud. 

Instead, they brushed me off and asked me to take my bank account elsewhere.
Product: Credit card or prepaid card

I had fraudulant activity on my discover card back in XXXX. As soon as I noticed the fraudulant atm withdrawls I contacted discover card. They initally gave me back the funds that were taken off my card along with the interest and charges it accured. However just last month they put all the charges back onto my card. I called discover to discuss this and was told that because I did not answer there call they feel it was not fraud. This is Completely not RIGHT. I should NOT be responsible for someone stealing off my card. Now today XX/XX/2019 I went online to view my account and am blocked.
Product: Student loan

I received a letter from Nelnet dated XX/XX/2023 indicating that my Income-Driven Repayment Plan ( IDR ) application was approved. 

However, I am also showing my Nelnet account status as " Admin Forbearance ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Product: Mortgage

On XX/XX/XXXX, I received an invitation to apply for a loan modification and an application as a result of filing Bankruptcy in XX/XX/XXXX from Truist, my mortgage servicer. 

On XX/XX/XXXX, I submitted the complete application packet. The invitation letter said I would hear from someone within 5 days of submitting the packet. 

On XX/XX/XXXX, I called Truist because I had not heard from them within the 5 days. I was told to resubmit the application by the Loss Mitigation Department and resubmitted on XX/XX/XXXX. 

On XX/XX/XXXX, I was told to resend a third time and did so. 

On XX/XX/XXXX, I sent additional documents they requested including bank statements, my husband 's Profit and Loss Statement from XX/XX/XXXX through XX/XX/XXXX, and my paystubs from XXXX from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I resent my husband 's Profit and Loss Statement per their request to submit a statement from XX/XX/XXXX through XX/XX/XXXX. I also re-submitted Page 4 of the Loan Modification Application per their request and included his income on the page. 

On XX/XX/XXXX, I received a voice mail from Truist asking me to return their call. When I returned their call, the Loss Mitigation Department said I need to speak with the Bankruptcy Department and attempted to connect me but the Department was closed. 

On XX/XX/XXXX, I called the Bankruptcy Department and received a message that they were closed. 

On XX/XX/XXXX, I called the Bankruptcy Department and they could not figure out why I received a call and confirmed that they received the Reaffirmation Agreement I sent on XX/XX/XXXX. I was told I had a Reaffirmation Hearing set for XX/XX/XXXX ; however, the representative retracted this statement and told me that was a hearing for my car loan, which I was already aware of. He told me to speak with the Loss Mitigation Department and attempted to transfer me but then hung up on me.

I called back and spoke with the Loss Mitigation Department. I was told that I need to resubmit my husband 's Profit and Loss Statement because they can not accept a partial statement. I informed the representative that I was told to, and subsequently sent, the YTD Statement from XX/XX/XXXX to XX/XX/XXXX ( I had also sent a full year to be on the safe side as mentioned above ). She said she would have to contact the Preservation Specialist to see what it is that they need and would get back to me. I told her I am tired of getting the run around and was going to file a complaint. 

I believe Truist has sent me a loan modification invitation in bad faith and that they do not intend to discuss any workout options with me. They do not contact me when they say they will and have to follow up with them frequently to get the status of my application. When I do that, they continually ask me to re-send documentation that they already have and they have informed me that there is no way I can speak with the actual Preservation Specialist handling my application.
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. 


Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX 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.