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

On XX/XX/XXXX, I opened a personal XXXX  account ( rather than XXXX through my employer ) with XXXX in order to close an existing XXXX  with XXXX XXXX XXXXXXXX  ( Optum Financial ) due to being charged $ XXXX after terminating with the employer who had previously sponsored the account. I was advised by XXXX the following week that Optum had rejected the transfer request and that I needed to work directly with Optum in order to complete this transfer. 

I physically mailed an account closure request to Optum Financial in early XXXX and never received a response. When I later called on XX/XX/XXXX, I was informed that a ticket was opened in XXXX and closed either the same day or the next day without action. I was later told in the same phone call after further prompting that the failure response was sent to my defunct Salesforce employment email address despite my statements and other official documentation going to my current personal email address. No physical mail was sent back to me, and no further attempts were made to contact me after that email bounced back to Optum. I was advised that Optum could not proceed with account closure until I liquidated my assets, which meant I manually had to sell the stock into which my funds were invested. I was informed this would take multiple business days. I did so and called again on XX/XX/XXXX, and XXXX to confirm not only that the funds had liquidated, but also that my account closure was in progress. 

On XX/XX/XXXX, I was informed that the standard account closure XXXX was XXXX - XXXX weeks, and that there was no value in continuing to monitor the status of this transaction. I asked multiple times whether there were any additional steps I needed to take or whether I could validate progress and was told no. 

On XX/XX/XXXX ( the sixth week ), I contacted Optum Financial ( XXXX XXXX XXXX ) again because it appeared that, not only had the account not been closed, the funds themselves had been automatically reinvested on XX/XX/XXXX. I was told I needed to re-liquidate the assets, at which point I informed Optum verbally that I was filing a complaint with the CFPB.
Product: Debt collection

XXXX XXXX was told by XXXX  XXXX XXXX that he was covered for a medical procedure by his healthcare provider XXXX. Relying on this information Mr. XXXX proceeded with a voluntary non-emergency procedure that he would not have undergone had he been told was not covered by insurance. 

Months after the procedure was completed he was surprised to receive a bill for the cost of procedure by XXXX  XXXX XXXX stating that his insurance did not cover the bill. Mr. XXXX reached out to XXXX to try and resolve the issue, but no response has come. 

Now Mr. XXXX has discovered that Grant Mercantile Agency has reported that he has not paid the XXXX XXXX XXXX  for his procedure, which is on his credit report. However, there is no judgment reflecting the accuracy of this amount etc. Furthermore, Mr. XXXX would never have undergone the procedure had XXXX  XXXX XXXX not mislead him into believing that his insurance would cover the procedure. 

In summary, XXXX XXXX XXXX should work with XXXX to get paid anything it is owed. It can not tell patients they are covered by insurance to induce them to get procedures, then bill them if they are not actually covered.
Product: Checking or savings account

I requested reimbursement from my account to pay for XXXX XXXX XXXX premiums. 
The premiums are {$170.00} per month. I requested for XXXX  months ( XXXX, XXXX, XXXX, XXXX ). 

Request = {$690.00} ( {$170.00} per month x XXXX months ) They paid {$300.00}. I have no idea where this number came from as it is not a factor of {$170.00}. They can't tell me why they paid that amount. 

My statement from XXXX Bank states that {$690.00} was paid. 

When I call the support desk they have no idea where the {$300.00} number came from or what I need to do to get the rest of the $ paid. They speak to their support team who has no idea. There is no supervisor to speak to. 

I am very concerned that this bank has no idea what they are doing. I have $ XXXX + in my account and am not confident it is secure and that the bank has the right support team and processes in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a dispute to the credit bureaus asking them to investigate information that is being reported on my credit report. 

After XXXX  days and no response from any credit bureaus, I sent a second letter informing the bureaus that XXXX  days has passed without any information and by law the accounts must be removed.
Product: Credit card

I obtained a credit card via XXXX XXXX to purchase a PC. The credit card is issued by Comenity Capital Bank ( Comenity ). For purchases exceeding {$1500.00} the terms of the credit card indicate that no interest is to be charged if the balance is paid within 12 months. Enclosed you will find the terms of the credit card. I purchased a computer from XXXX with some software totaling {$2300.00} on or about XX/XX/year>. I made three payments thus far on this purchase to Comenity Bank ( {$490.00} on XX/XX/year> ), ( {$260.00} on XX/XX/year> ), ( {$260.00} on XX/XX/year> ). However, my last billing statement ( attached ) from Comenity showed interest charges of {$42.00}. I called Comenity and indicated to them that I should not be charged interest. The reply that I received was that my account did not indicate any special agreement
Product: Checking or savings account

On XX/XX/year>, my savings account was liquidated without my authorization, and {$43000.00} was fraudulently transferred from my savings to checking before being disbursed in XXXX unauthorized transactions to various vendors, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. 

I did not authorize these transactions, nor did I provide access to my account to any third party. Despite having two-factor authentication enabled, my account was accessed without my consent. No fraud detection protocols were initiated, and I was not contacted regarding these highly irregular transactions. The only communication I received from SoFi was XXXX text messages at approximately XXXX XXXX XXXX requesting a login code. I did not respond to or interact with these messages, suspecting fraudulent activity. I did not receive any other alerts, notifications, or fraud warnings regarding these transactions. 

Upon discovering the unauthorized activity around XXXX XXXX XXXX, I immediately contacted SoFi to report the fraud. However, I was unable to file a formal dispute until the next morning at XXXX XXXX. Since then, I have : Filed a police report with the XXXX, XXXX Police Department Filed a fraud report with the Federal Trade Commission ( FTC ) Frozen my credit with all major credit bureaus Contacted the vendors involved, all of whom denied my request to recover funds as I am not the account holder
Product: Checking or savings account

On XXXX XXXX XXXX there was a total of XXXX unauthorized charges on my Chime account. I have disputed this a total of 4 times and every time it was denied. My son has an account with XXXX XXXX and I sent to Chime the screen shot of his purchases in XXXX, I have talked to support at XXXX XXXX and they arent seeing the charges on the account so it was charged from a different account and Chime is not taking the proper steps in investigating. They said because I have authorized my son to use the card to make a purchase before that they are denying the claim. That is bogus because its fraud. The total is XXXX  I dont think that they are actually investigating because they are quick to deny the claim even with the screen shot that I sent to prove that it wasnt done by my son. I am closing my account with Chime as soon as I get the new card in the mail to be able to withdraw my money. Its not a safe place for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

hi, I have paid locker rent for 1 year due to my job transfer I moved from XXXX, XXXX to XXXX XXXX during that time I requested prorated amount to be calculated for my locker rent. Before opening the locker they mentioned that locker rent will be calculated based on the usage/prorated. My locker : XXXX for the year XXXX XX/XX/XXXX. 
I closed the locker around XXXX or XXXX of XX/XX/XXXX. I called the US bank XXXX XXXX XXXX but no reply or update properly. 
I have written 2 letters to US bank XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, XXXX but no response. I paid XXXX dollars rent for XXXX safebox used for 2 months so if we calculate I should get approx. : XXXX dollars. Please look into it and issue the credit of XXXX dollars with interest. 
Attached the safe-deposit locker rent copy. 

Thanks XXXX XXXX XXXX ph : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry reported on my TransUnion credit report on XX/XX/2018 by XXXX XXXX, XXXX, WI XXXX, ( XXXX ) XXXX. 

I did not request any credit from this company. I do not have a credit card with this company. I have not shopped at this company for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditor during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic. 

The information in dispute is as follows : Account Name : XXXX XXXX Account Number : XXXX Date Reported : XXXX Inaccuracy : such as an incorrect Late payment status Account Name : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXX Inaccuracy : such as an incorrect Late payment status I have reviewed my records and have determined that the information being reported by [ Creditor Name ] is incorrect and does not accurately reflect my current situation. As per 15 U.S.C. 1681s-2, furnishers of information are required to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I kindly request that you initiate a thorough investigation into the disputed information and take appropriate action to rectify any inaccuracies. Specifically, I request that you : Conduct a reasonable investigation into the disputed accounts and the information provided by Creditor.

Verify the accuracy of the reported information with Creditor and any other relevant sources.

Promptly correct or delete any inaccuracies found during the investigation. 
Notify me in writing of the results of the investigation and any corrections made to my credit report. 
I have enclosed copies of supporting documents that validate my position and demonstrate the inaccuracies in question. These documents include [ list the enclosed supporting documents, such as payment receipts, correspondence with the creditor, or any other relevant records ]. 

Please be aware that under the FCRA, you are required to complete the investigation within 30 days of receiving this dispute letter. I appreciate your attention to this matter and the prompt resolution of the disputed items. 

Thank you for your assistance in rectifying this issue. I look forward to receiving your response and an updated credit report reflecting the accurate information. 

Sincerely, XXXX XXXX
Product: Bank account or service

My XX/XX/XXXX bank statement indicated that XXXX checks had been debited from my account XXXX deposited in XX/XX/XXXX XXXX {$670.00} XXXX and XXXX in XX/XX/XXXX XXXX {$670.00} XXXX. I talked to my bank XXXX 's bank ) and the manger said that the checks were returned to them and they had no choice but to take my money. She said to contact the issuing bank for more information. I talked to the manger at XXXX XXXX the issuing bank ) and he was not able to give me the information why the money was withdrawn or who the gave it to.
Product: Credit card or prepaid card

Barclays closed XXXX of my accounts XXXX XXXX XXXX XXXX  Jet Blue plus Barclays XXXX XXXX XXXX XXXX The cards were restricted due to verify my identity. Which i cooperated with Barclays and faxed my drivers license, social security card ( FRONT AND BACK COPIES ) and a bank statement. 

Then i get a letter saying the accounts are closed cause the stuff i sent was insufficient Which Im confused cause i sent everything they asked for. If something was difficult to read or messed up in the fax they can easily tell me and i would mail the documents instead. For them to shut XXXX accounts Ive had for years and always paid off was a slap in the face to me. 

They sent me XXXX letters saying they need documents and another letter saying the account is closed cause of insufficient documentation which is confusing cause now i dont know which letter i need to believe
Product: Money transfer, virtual currency, or money service

Back in XXXX  I sent a XXXX dollar Zelle to the wrong person
Product: Student loan

Hello I have Nelnet XXXX XXXX I am unable to receive any information about this loan. Nelnet claims they are not the lender. I am unable to contact anyone from Federal student Aid regarding the lender and origination of this loan. Therefore I am unable to contact the lender. I have contacted Federal student Aid 3 times and I have never received a call back or email back.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX XXXX XXXX '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " XXXX  XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the LLC, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of XXXX  XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  -- -- - {$800.00} XX/XX/XXXX -- -- -- {$1100.00} -- -- -- -- -- -- -- -- -- -- -- {$2000.00}. TOTAL EXPERIAN CREDIT REPORTING AGENCY STATES XX/XX/XXXXXXXX  AND XX/XX/XXXXXXXX  ARE 60 DAYS LATE EACH XXXX XXXXXXXX XXXX AND XXXX HAS GIVEN ME ( XXXX XXXX ) CLAIM # XXXX ( CALLED ) AUD FOR CORRECTING A LOAN ( XX/XX/XXXXXXXX  ) I WANT IT DELETED ASAP!!!!! 
INACCURATE INFORMATION!!!!!!!
Product: Mortgage

This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from XXXX XXXX XXXX XXXX and HSBC. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted XXXX multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender Beneficial ( an entity of HSBC ) who originally issued this deferral. Beneficial sold my account to XXXX in XXXX. I have contacted HSBC in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, XXXX and HSBC, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive section XXXX subsidy payments from Dept. Housing & Urban Development ( HUD ) As a result of the recent government shutdown, which affected HUD, my payments were delayed causing me to miss a payment with Synchrony Bank issued Walmart card. 
Every body in this country knows a lot of people were late on bills and rent, some didn't have food as a result of the shutdown ; as it was widespread on the news.
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 lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding 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.
Product: Payday loan, title loan, or personal loan

Hello, I am writing this complain because Avant denied my application for a loan with them for the simple reason that they " couldn't verify my identity ''. This is the explanation they give me with no explanation on why they didn't request more documentation showing my identity. I feel they discriminated against me because of my name, ( XXXX ). I contact them several times to explain how come they didn't ask for more information but their customer support wasn't helpful at all. They only gave me two options, either wait for another 30 days to see what their resolution department will respond or re-apply for the loan. This is not acceptable. My resolution is for speak with real person about this situation. Their process and customer support is the worst I have experience in my life time.
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute regarding the unauthorized disclosure of my personally identifiable information, SSN. Elon Musk and his employees, who are not federal personnel, had access to my personal information in violation of federal privacy laws. I am requesting immediate corrective action.

Details of the Dispute Unauthorized Recipients : Elon Musk and his employees ( non-federal workers ) Nature of Violation : My personal information was improperly disclosed and accessed without my consent, violating my privacy rights under federal law.

Laws Violated This unauthorized disclosure is a direct violation of : 1. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Requires credit bureaus to protect consumer data and limit disclosure to permissible purposes.

2. Gramm-Leach-Bliley Act ( GLBA ) [ 15 U.S.C. 6801-6827 ] Mandates financial institutions, including credit bureaus, to ensure the confidentiality and security of consumer data.

3. Federal Trade Commission Act ( FTCA ) [ 15 U.S.C. 45 ] Prohibits unfair and deceptive business practices, including failure to safeguard consumer data.

4. **Family Educational Rights and Privacy Act ( FERPA ) [ 20 U.S.C
Product: Mortgage

2016 - SPS stated XXXX was denied due to approximately XXXX dollars over the XXXX XXXX that was approved. 

I filed a complaint with CFPB. Thereafter SPS agreed to except the tender over the XXXX directly from me. 
SPS encourage me to re-apply with XXXX - I was approved a second time - SPS denied the tender again due as the reinstatement amount was over - SPS stated once XXXX funds are received I would have 7 days to tender the difference - I am and was prepared. 
SPS after a long conversation apologized for the error and stated to re-apply as your file will be flagged this time to avoid errors XXXX re-vampped application as the prior approval was less than 30 days old. 
XXXX approved within a week. 
SPS then stated I was misinformed and SPS would need to receive the funds as a whole. 
SPS on a XXXX way ( SPS/Myself ) recorded conference with a third party to confirm the instructions once XXXX release tender of XXXX SPS denies this ever happened and refuse to put XXXX representatives on the phone As the note holder in due course requesting- SPS a third party collection company - to establish relationship with master servicer Provide - actual INVOICE, who is the lender, who is the investor, a statement with a balance due, reinstatement information, payoff demand, a complete break down of all cost of postage including fed ex, XXXX and USPS XXXX Real Estate Review on property. Under the Freedom Of Information Act the information is not proprietary. 
A credit letter was sent to SPS to confirm tender of difference with more than enough funds in the account. 
SPS is denying tender to bring my account current.