23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX Loan # XXXX Contact Info : XXXX XXXXXXXXXXXX I am asking for XXXX to remove the credit delinquency from my credit report as well as my wife 's. 

On XXXX XXXX, 2016, I called into the XXXX XXXX Department ready and able to pay the mortgage and fully aware that I was 10 days past the XXXX XXXX grace period. The reason I called in was to speak with a specialist in regards to my options if I had any. I wanted to know if had an options in regards to the payment because this month was financially tight and we were in the process of a refinance. The XXXX customer service rep suggested the following option below. 

I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XXXX and XXXX it was a verbal agreement that started that day. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. 

My issue is that I was never informed the impact that would take place on my credit for accepting this payment plan and show up as XXXX 30 day lates. When I received a notice my credit report was altered and a 30 day late was posted to my credit monitoring I called XXXX to ask them to be removed. Simply due to the fact that had we been advised it would affect our credit that way when suggested by the rep we would have not choosen this option. The payments have been made on time for 3 years, never missing one. I was told by escalations that the agent would be reprimanded but that this was my error and not a bank error. They said it was not their responsibilty nor need to let us know it would effect our credit. I asked why the agent would be reprimanded if that is not the case but also feel it is entirely unethical to not explain in detail to a customer who is asking for all options and ready to pay the impact it may have on them. I feel this is pretty simple, I called in on XXXX XXXX ready and able to make the mortgage payment plus late fee. I was advised that I could break it up over the next few months as stated above and was never told of the negative impact that would take place on my credit score. Escalations emphatically explained that the terms were disclosed inside of the paperwork, which did not require any signature. Either this was all done inadvertently which I totally understand or a system that is inherently flawed. How is it that a professional working in the loan department can offer me a plan that makes me even further late on my payment ( XXXX XXXX ), does n't disclose the negative impact on credit score, validate it by paperwork that may or may not ever reach the person ( no signature required to prove received, or signature to acknowledge terms XXXX? I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score?
Product: Credit card or prepaid card

On XX/XX/XXXX, we attempted to use our Elan Financial Services credit card to pay our veterinarian approximately {$150.00}. Not only was the card declined but the vet told us that it was declined for potential fraud. The credit card company had suspended the card because of an attempted charge of {$39.00} for a recurring monthly service that the said " they didn't like '' on XX/XX/XXXX. I am livid that the card company froze our account over a charge for a recurring service that we have been using for at least 4 months. Even worse, the company reported " potential fraud '' to the vet. That is extremely embarrassing and bordering on libel.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i used World Remit Mobile Money to send some money to XXXX XXXX in XXXX. I have been doing this for months. I forgot the password on my account and so World Remit closed it without telling me or allowing me to fix my password. They asked me to open a new account and would be sending me some papers asking for ID info on the new e mail acct. I never got the forms and I have a transraction number on the funds on the OLD account which i have no idea how that happened if that acct was closed. I called them and would put in the transaction number and would ask me to hit the HOME BUTTON. I have no idea what the HOME BUTTON is on on a land line phone and then would hang up on me before I could talk to anyone. I wrote to them on XXXX XXXX and as of the afternoon of XXXX XXXX I have not heard from them and they have taken the money out of my checking acct. Have called the bank on this and told them not to pay it. I do not understand why World Remit would close acct that I have been using for months just because i forget the password and wanted me to open a new acct and not send me the forms on the new or old e mail addresses. The amount is {$20.00} XXXX XXXX dollars USA ) I had to use an new company to send the money and would like my {$20.00} back from World Remit Mobile money and will not use them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXXXXXX XXXX XXXX  in accordance with the Fair Credit Reporting act 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: Money transfer, virtual currency, or money service

Hello, Im writing to express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle and reporting several discrepancies, my bank institution along with Zelle failed to investigate my claims adequately. They informed that recovering loss funds was not possible and tracking done transactions was impossible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving me as a user vulnerable to scams and harassment. This lack of transparency and accountability is unacceptable and raises concerns about consumer safety.
Product: Mortgage

The story is very, very long. Here is the almost bullet point version of it. 
I have signed a construction loan with CrossCountry Mortgage LLC, who was recommended to me as the preferred lender by the XXXX XXXX Representative ( Broker A ) - Envision XXXX XXXX. The loan was closed in XX/XX/2021. 
As per the Residential Construction Agreement that was signed by myself, Broker A, Broker B ( my broker ) and the construction company, both brokers were to be paid by the builder. ( see Exhibit C : XXXX XXXX Agreement page of the Residential Construction Agreement attached ) The builder failed to build the house in agreed timeframe, and I was pressed to close the loan .... and do whatever I wanted with construction. The whole process with CrossCountry Mortgage LLC was absolutely not client oriented, extremely disappointing and overall horrible experience in regard to many things but in particular explaining my payoff amount to get the loan closed. No matter how many times I asked to provide details of their calculations of the payoff I was getting the same " 5 '' lines word document with no details of where/to whom my cash to close was disbursed. After me keep questioning and lengthy back and forth my pay off somehow went down $ XXXX with no explanation again as to how and why. I was advised by a friend of mine to get closure ledger details from the title company, which I did ( attached ), I had questions about a few things in the ledger, as I'm not a professional, however, what caught my eye was that {$8300.00} were paid to the XXXX XXXX on The XXXX XXXX, which is XXXX XXXX real Estate company. 
I would like to know if this is correct as this payment to the Broker B took place on the date of the initial construction loan closure in XX/XX/2021, while Exhibit C : XXXX XXXX Agreement it should have been paid by the builder. 
Please investigate this matter. Thank you.
Product: Checking or savings account

On XX/XX/2024 I received an email ( in response to a dispute ) from an unknown sender ( Card Processing Associate ( XXXX ) ) that was automatically sent to my spam folder and not found until XX/XX/2024 stating the following : " Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Card Processing Associate ( XXXX XXXX ) XX/XX/2024, XXXX XXXX Dear XXXX XXXX During a review of your SoFi Money account ending in XXXX, we have identified activity within the account that has been determined to be in violation of the SoFi Money Customer Agreement . 

As a result, your debit card will be closed effective immediately and you will no longer be able to use your card. In the event this decision is based on information contained in a consumer report, you will receive an Adverse Action notice within the next 30 days which will provide additional information regarding the decision. 

We sincerely apologize for any inconvenience. 


Best, The SoFi Team '' On or around XX/XX/2024 I had contacted Sofi Bank to cancel said dispute and was assured it had been taken care of, so I was surprised to get this kind of response. Plus I now found out that due to the sudden cancellation of my debit card that my cell phone service was no longer active ( unpaid ), my food stamps cancelled ( missed phone appointment ), and I am now left without XXXX to several key accounts. I am also unable to contact the very bank that says " without calling there is nothing they can do ''. 
So I did call. The first attempt I asked what has happened? I was told something vague about a broken rule, but I was not allowed to know what it was and I could transfer my money out. I then attempted to do so, however I have no other accounts that link with XXXX. So I called back and was met with a very rude employee who hung up on me after I suggested that this was retaliatory for me filing a complaint with the CFPB. Lastly after spending HOURS calling I got a hold of a nice enough gentleman who said my account was actually scheduled to be closed. What?! So I asked about my money as I have no food, and rent is due the XXXX. He said I can write a check. I am XXXX. I forced myself to XXXX, and was told the bank has restricted my account. Isn't this MY MONEY? I feel like this should be illegal, anyone else kept someone elses money they would be arrested but this bank is enjoying my money and I am starving .... 
I currently have a balance of {$940.00} in that checking account and have been told many confusing, contradicting, and untrue things by a bank that is supposed to be accountable to me. Now they close my account without telling me a reason and I want my money.
Product: Credit card

I received a letter from capitol one stating they believe it was fraudulent to contact them ... I called them n it was a credit card open in Florida n they closed it n told me it will be off my credit report within 30 days ... I just it n it 's still shows an acquire ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and there are a XXXX account, XXXX XXXX  account that is not open and not overdue or never been late. Please remove these old accounts in my account. There is a XXXX XXXX  bill that I have never opened. There is accounts that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the middle of XXXX I placed FREEZES on XXXX, XXXX, XXXX. 

Today I received a notice from EQUIFAX the freeze is not in place and someone is trying to get a credit card. I called both XXXX XXXX XXXX  and Equifax who were absolutely NOT HELPFUL. 

I want the FREEZE in place. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXas 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to report. Here is the list of items that do not belong to me or were opened without my permission. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX According to FCA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

My XX/XX/XXXX Total Student Loan debt in the amount of {$8500.00} owed to Sallie Mae, parent company on Navient, was discharged through Chapter XXXX Bankruptcy, In XX/XX/XXXX-XX/XX/XXXX Navient began to sending statements regarding this balance. They wanted me to begin making monthly payments. I did not believe I owed this debt since it was discharged in the bankruptcy, however I also did not believe I had any legal recourse or the funds to fight this in court, so I filed for forebearance and was approved in late XX/XX/XXXX. As of XX/XX/XXXX I am supposed ti begin repaying this debt.
Product: Credit reporting or other personal consumer reports

THERE IS A ERRONEOUS ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. 

EXPERIAN HAS IT LISTED AS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ADDRESS IDENTIFICATION NUMBER : XXXX RESIDENCE TYPE : APARTMENT COMPLEX GEOGRAPHICAL CODE : XXXX I HAVE NEVER LIVED AT THIS ADDRESS. THERE IS A ALSO PUBLIC RECORD ASSOCIATED WITH THIS ADDRESS THAT DOES NOT BELONG TO ME.
Product: Vehicle loan or lease

PNC Bank regularly sends me statements that are postmarked the XXXX of the month. I receive them about a weekly, about the XXXX or XXXX of the month. They are due the XXXX of the month. This gives me less than a week to mail a check and make sure it arrives in time. I thought federal law requires 14-21 days, am I wrong? Can they force me to panic this way every month, wondering if the payment will arrive on time?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, my husband and I learned from the IRS that we were victims of tax fraud with someone submitting a XXXX Form using our personal information. We've spent the last several weeks trying to deal with this by contacting the IRS, FTC, and various credit report companies. This has been especially difficult to navigate due to the covid crisis and most call centers being limited in their capacity. 

When we created an account with TransUnion ( XX/XX/XXXX ), it forced us to enter our credit card information in order to proceed further. We both provided this information, assuming it was needed as part of the verification process. Instead, we received a follow-up email on XX/XX/XXXX showing an order confirmation for a monthly " subscription product '' for credit monitoring. We were NOT aware that we had signed up for any services and would be charged ; instead, we were trying to set up a credit freeze and fraudulent alert. The monthly charge for this subscription service was $ XXXX for each of us. 

We attempted numerous times to contact a customer agent at TransUnion, but got no assistance other than being transferred to another department that led to an out-of-service number. We were able to cancel both subscriptions online, but did not get a refund for the initial monthly charge and have no recourse for reimbursement for one month automatic charge. The email confirming the cancellation also states that our credit report will be unlocked after our subscription ends at the end of this month.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to formally dispute and request the removal of late payment entries on my credit report associated with the XXXX XXXX account, which opened on XX/XX/XXXX, with an outstanding balance of {$690.00}. The specific late date entries I am disputing occurred from XXXX XXXX XXXX XXXX XXXX I have been in contact with XXXX XXXXXXXX regarding this matter, and they have acknowledged that an error was made in their statements during that period. Consequently, they have agreed to rectify the situation and remove the inaccuracies from their records. I am seeking your assistance in updating my credit report to reflect the corrected information and remove the aforementioned late dates. This adjustment is crucial for maintaining the accuracy of my credit history and overall financial standing. I appreciate your prompt attention to this matter and request that you notify me in writing once these corrections have been made to my credit report.
Product: Mortgage

I refinanced my XXXX loans ( XXXX ARM and HELOC ) with Wells Fargo to another lender, the refinance transaction closed on XXXX XXXX, XXXX. To date I have not received a copy of the recorded release/satisfaction/cancellation of the mortgages. I called the XXXX XXXX XXXX of Deeds office on XXXX XXXX, XXXX, and learned that a cancellation for the HELOC was recorded on XXXX XXXX, XXXX ; however a cancellation for the primary mortgage has not yet been recorded, pursuant to NC Gen. Stat. 45-36.3. Please send me a copy of the recorded cancellations of both loans.
Product: Mortgage

This complaint is associated with a home loan I was applying for with Bank of America. Details of this issue are included with the attached letter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under account number XXXX, an cellphone account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, and an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I had a XXXX on XX/XX/17. Since then I have asked for XXXX accommodation and for last five months Wells Fargo bank branch in XXXX XXXX zip XXXX has denied that. 
After at least three complaints to their customer service department I received a letter stating they are going to close my accounts in next three weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Consumer Finance The reason for me contacting your company is I have companies reporting information to my credit report that is not accurate and they have no information on the account. These companies have places hard inquiries on my credit report and I was unaware. I have be trying to contact these creditors on many of occasions. So that I may handle this matter. My first attempt was last year XX/XX/XXXX. The Only inquiries that where deleted where the inquiries on my XXXX report. I have also contacted these creditors today XX/XX/XXXX. And they are still not giving me information on why the inquiries are not being removed from my XX/XX/XXXX and experian report.while talking to some of the creditors today they stated the sent letters out to have the hard inquiries removed from all three credit report. I am becoming very exhausted with them cause I been trying to remove these items since last year. I havent received any information to why these hard inquiries are still being reported when a request of a removal letter was sent to all 3 credit bureaus.
Product: Checking or savings account

I am complaining about XXXX XXXX/ChexSystems. OnXX/XX/XXXX I disputed some information with Chexsystems AND XXXX XXXX for what they reported me to ChexSystems and XXXX XXXX DID NOT respond to Chexsystems about my dispute. Again I filed with XXXX XXXX AND ChexSystems about my dispute. By the FCRA ChexSystems has 30 days to receive information from the institution of what I did wrong. XXXX XXXX  NEVER ended up writing to chexsystems and on XX/XX/XXXX since 30 days was on a Saturday Chexsystems REMOVED information from XXXX XXXX what they reported. 2 more extra months went by and on XX/XX/XXXX I get a letter from Chexsystems ( 3 months after ) that " since that time, the source of the information has certified that the information is accurate, therefor, it has been reinserted into your consumer file. BOTH companies are breaking the FCRA since XXXX XXXX DID NOT respond to me after I filed a dispute to them directly nor did they respond to Chexsystems. It was over 82 days when they reported my information back to chexsystems and they are now reporting it.
Product: Credit reporting or other personal consumer reports

Trans Union Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX. 

Subject : Cease and Desist Letter - Unauthorized Inquiries/Adverse Actions XXXX. Trans Union associated with XXXX XXXX XXXX  XXXX. Trans Union associated with XXXX XXXX on XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX XXXX on XX/XX/XXXX XXXX. Trans Union associated with XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX XXXX XX/XX/XXXX XXXX. XXXX associated with XXXX on XX/XX/XXXX XXXX. XXXX associated with XXXX on XX/XX/XXXX