23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid off my HELOC with Chase Bank on XX/XX/XXXX. I paid all final fees in the amount of {$45.00}. On XX/XX/XXXX, XXXX months later, they send me a letter stating they have placed a lien on my home in the amount of {$36.00} for outstanding fees and I must make the payment to have the lien released.
Product: Credit reporting or other personal consumer reports

Request for Assistance with Fraudulent Account Dispute I have been disputing a fraudulent account with XXXX and Monterey Financial for several months without any resolution. Despite my efforts, including filing a police report, neither XXXX nor Monterey Financial has been willing to assist me in resolving this matter. Someone has stolen my information to obtain this account, and my repeated attempts to address this issue with both entities have been ignored. I have reached out to them at least XXXX times with no success. 

XXXX actually had the nerve to write me and tell me to that I needed to contact Monterrey Fin. again. They are simply refusing to help me. They never even sent me any info on how they claimed to have verified this theft.. I have also uploaded XXXX dispute results where they claimed to have verified this theft is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
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
Product: Credit reporting

A Tax lien that has been paid and satisfied had not been removed from my report it is Equifax is XXXX months delinquent ... I was sent an email stating this would be purged XX/XX/XXXX the email is dated XX/XX/2014.
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 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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Debt collection

The XXXX XXXXXXXX XXXX XXXX XXXX reported an amount of {$1800.00} was to be paid by me around XXXX, XXXX, because I was experiencing mental health issues and I did not want to take an ambulance because at the time I did not have health insurance, and I insisted on not taking the ambulance for those reasons! The XXXX Fire Department refused to listen to my concerns and therefore, I was forced to ride in the ambulance ; which, in turn gave me a large bill of {$1800.00} for which I was not able to pay, did not want to pay due to the circumstances and was forced to pay. As of XXXX, XXXX, the {$1800.00} was then sent to a collection agency and since then, I have not been able to receive a State Tax Refund because that money goes to the XXXX XXXX XXXX XXXX '' Account every year since XXXX. As of XXXX, XXXX, the balance remaining on that account is {$1600.00}. I have attempted to resolve this with the XXXX Fire Department in XXXX, as well as attempting to resolve this matter through XXXX, the credit reporting agency ; however, there has yet to be any resolve.
Product: Checking or savings account

I previously filed this complaint XXXX and there is no update button so i started new complaint. I feel that it is unacceptable for a bank to withhold funds. I closed account in XXXX and as of yet have not been able to get the remainder balance of {$33.00} 2 months after. They previously were giving me run around when contacting them on the phone and now I received check XX/XX/XXXX ( issued XX/XX/XXXX! ) that got bounced back! Chase should immediately send direct deposit and stop playing games. What a incompetence. You dont want to give them more of your money to be treated like that.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

Explain what happened! Ref # XXXX is some of what happened but it goes all the way back to my original complaint with the FTC case number XXXX this report will explain it better then I can right this instant. I know one of the cards ends in XXXX with XXXX XXXX XXXX and Wells Fargo Both are and have been being fraudulently used since I started I started them. I believe it may go as far back as XXXX! I hope I am within my rights to file a complaint against two banks together. I reference about 20 at once both foreign and local and nation wide. For now I want to start with a complaint against the miss use of my accounts with XXXX XXXX XXXX and Wells Fargo please and thank you! XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$1000.00} XXXX XXXX Account number : XXXX Balance : {$3000.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Per, XXXX XXXX XXXXXXXX I am hereby demanding for action to be taken against this fraudulent account. Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such Transunion has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a call from Citibank N.A.  asking if I had received my check from the settlement between them and the CFPB. I said I had no idea what they were talking about, they explained it and said they would send another check. I should have my refund before XXXX. 

So I waited until XX/XX/XXXX or very close to that date, and I was online with chat and then made a call and talked with a person about it. She had a very disrespectful attitude and told me that the check was in the mail. I called again XX/XX/XXXX and they told me I had to talk to their 3rd party company, they told me it was mailed XX/XX/XXXX and I should wait for it. I told them that I work for the Postal Service and I know how long mail takes and this sounds like a stall tactic. So today XX/XX/XXXX I am talking to a person who told me that they would cancel the check and it would take 40 days or more to get a new check to me. I have used the same address since XX/XX/XXXX.  So if it was sent I should have had it. 
My problem is this : If I was one day late past the deadline they would charge me a late fee, and put a hit on my credit. For 7 years? or something like that. But they get to use this money and are still using it as for as I can tell, to get interest or be invested however they wish with no penalty or pressure on them at all. Any penalty that they paid to you did not benefit me it just went to you I am sure. 
I also feel that I am talking to people who have no power at all to make it happen. They just give excuses that were provided for them, and just keep delaying the payments.
Product: Credit reporting or other personal consumer reports

I'm reporting on this complaint that I have found inaccurate information on my credit report and I demand you to remove it imminently because it is fraud and in violation of FCRA 15 U.S.C 1681i & 1681s-2. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove all these indicated inaccuracies as soon as possible!
Product: Vehicle loan or lease

My wife and I had a 63 month installment loan with TD Bank for the purchase of a new XXXX XXXX XXXX. This loan was set up for auto payment from my wife 's checking account. Because of a timing/Bank error, payment XXXX, then XXXX were not taken by auto pay. Neither one of these non-payments generated any correspondence from TD Bank, giving us the impression all was good. During the same period, approx. early XX/XX/XXXX, TD Bank did send correspondence letting us know that the last payment would not be taken by auto pay due to their system and that we would need to make other arrangement, Check or over the phone payment, to make the final installment. On or about XX/XX/XXXX, I reached out to TD Bank to make the final payment, at which time I was verbally informed of the two prior payments not being made. While on the phone and checking my wife 's records, we became aware of the two missed payments, acknowledged that fact, and made a payment to settle the loan in full. A week later, TD Bank sent two letters that arrived on the same day, one being the lien release, the other being a statement saying that they could report our delinquency to the reporting agencies, which they did. I have reached out to TD Bank multiple times since this incident and have been informed that because an auto pay was declined by my wife 's bank, their system is not " set up '' to generate a non-payment letter because of " insufficient funds '' reason. 
My argument to TD Bank is that, there is blame to go around, ours because we did not recognize the payments not being made, but also theirs for 1 ) not informing us when the XXXX payment was late, then the XXXX payment was late, 2 ) taking into account that it was my outreach to them that made us aware of this issue, and that it was handled immediately, 3 ) recognizing that their " system setup '' helped create this issue by not informing us. 
There is fault by us and TD Bank, TD Bank has reported a 60 and 90 day late payment against mine and my wife 's credit report, their customer service has acknowledge fault but has said " legal '' has no wiggle room and must report everyone equally regardless if they are part of the blame.
Product: Checking or savings account

Unauthorized online transactions were executed on my Chase Bank savings and checking account on XX/XX/21. Reported to Chase on XX/XX/21. I was told that new checking account was opened few days ago using my information that I wasnt aware of, and that money from my savings and checking is being transferred to the new illegal account. Chase bank rep promised that they will freeze all activities from fraudulent account to protect my money. It didnt happen few days after I lost XXXX $ from my savings and checking account. I was told by claim department that I have to wait until they run all the investigations. It has been 2 months and still in the dark no explanation from Chase what happened with my money. Identity theft was reported to the police department. I feel neglected, uninformed and unprotected by Chase bank in a such sensitive matter
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$2300.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX.
Product: Checking or savings account

My complaint concerns a check sent to me by the United States Treasury, which was intercepted during transfer, stolen, and cashed fraudulently. The check was deposited to an account at the Navy Federal Credit Union by a person other than myself and who did not have my authorization to do so. 

I do not have an account at the Navy Federal Credit Union, so their agent recommended that I contact CFPB for assistance.

I have attached photocopies of the front and back of the check that was cashed fraudulently.. The back of the check contains account numbers and additional information that should be sufficient to identify the responsible party. This information should reported to the appropriate authorities.

Please note : In the event that CFBP is not the appropriate agency to pursue a claim of fraud as described above, please either forward my complaint to the appropriate Federal agency or kindly provide information that will enable me to follow up.
Product: Checking or savings account

My Marcus.com ( GOLDMAN SACHS BANK USA ) account was locked after I initialized an outgoing funds transfer on XXXX XX/XX/2020 to another institution. I realized that the account was locked on XXXX XX/XX/2020 after trying to login online and immediately called the customer service line to in an attempt to have the issue resolved. After over 90mins on the phone, and being transferred to a " specialist '',  the matter was unable to be resolved. I was told that I would be receiving a call back in 24 hours.  This never happened. I subsequently called back on the XXXX and XXXX of XXXX only to be told both times by a specialist that the account was under review and it would take 24-48 hours to unlock the account. To date, the account is still locked. I am not able to access my funds and the funds have not been received at the other intuition that I requested the funds be transferred to. I have also never received a call back.
Product: Debt collection

I received an alert via my credit card on XX/XX/XXXX that my credit score had changed due to an account being placed in collections. When viewing this alert it was from a company called Genesis that I have never heard of or had any contact with. The {$130.00} charge was seeming from an apartment complex ( XXXX XXXX in XXXX, TX ) I lived in from XX/XX/XXXX - XX/XX/XXXX. All payments made while a resident here were made directly to the complex - Not through a third party and certainly not three years after lease termination. I immediately submitted disputes to all three credit bureaus and called the complex. The complex informed me that they had no record of us owing any additional fees and advised me to reach out to Genesis directly. I informed the team at Genesis that I had never received written documentation that this debt existed or notification that it would be sent to collections. While on the phone with the team there, I asked them to verify the contact information they had on file. The operator provided me with an invalid ( fake ) email address and the address where my parents currently live. Not only did this confirm that they did not attempt to collect a debt from me, but confirmed that this is likely a false debt as they did not have my legal name, an email address, or a valid address on file. The team member I spoke to informed me that they had indeed attempted to reach out so I asked for that documentation to be emailed to me, along with confirmation that he was starting the dispute process per my request. I provided him with my valid email address to send the above requested documents to me. As of today, XX/XX/XXXX, I still have not received any communication verifying that contact attempts were made or what next steps are in the dispute process.
Product: Mortgage

My property tax was lowered by XXXX County due to the camp fire.  I have an escrow account with my mortgage company which I did not pick, my loan was sold.  I have been contacting CMC Funding since XX/XX/2019.  Today is XX/XX/19 and they still can not change or fix my escrow account. XXXX County has sent me XXXX check because the mortgage company continues to over pay and will not change my monthly payment amount.  In total frustration on XX/XX/19 I asked them to stop paying my property tax all together.  As of XX/XX/19 they still can not do that and every time I ask for a supervisor I am put on hold and then hung up on. I believe that what they are doing is not only bad customer service, but illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 

XXXX XXXX XXXX  XXXX