23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My name is XXXX XXXX. Bank of America is closing my both business and personal accounts, when I should have direct deposit coming to my account this week, next week and in whole XXXX and XXXX. My Bank of America accounts are indicated for all ACH transfers. I cant change anything. 
Moreover, I am having XXXX wired to business account soon from my partner, another XXXX later in XXXX. Everything is set up, account, routing numbers and XXXX codes are sent. I cant change anything, besides I will look unprofessional. It is not a correct business ethic when business sends funds to its partner and money comes back, since partner 's account is closed. This is very bad for my business, I will probably loose my partners, loose my business, business gets damaged, loose XXXX USD that I could earn, then pay taxes to government which then will be used for social-related purposes, curing sicked people, financially supporting people in need etc. All these are for good intentions. And all these are connected which each other. 

Please and please dont close my account, which will obviously lead to the fact that business gets damaged, less taxes I will pay or even will not be able to pay, less people in need are supported by government and there is even high possibility that people in need may increase by one - me. 
SSN : XXXX Thank You for understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iwas a victim of identity theft 5 accounts were opened during XXXX. I was in a Ca. XXXX. XXXX  XXXX XXXX. XXXX XXXX from XX/XX/XXXX until I XXXX  on XX/XX/XXXX. I sent all requested papers, pictures etc. that the involved companies asked for to show them my exact whereabouts during these fraudulent acts. Sent the companies the evidence 2 seperate times. 2 of the companies still have not removed the incorrect statements or recalculated my credit score to reflect the proper scores. XXXX XXXX  and XXXX. have not deleted the fraudulent activity on my report. Additionally I requested copies of all account applications, transactions, payments or anything they had recieved in regards to the accounts that were opened during XXXX while I was XXXX  in a Ca. XXXX XXXX. It is very sloppy, unproffesional and almost seems intentionally vindictive to me that these 2 companies have recieved what information they deemed satisfactory to correct this issue and still they won't correct my report! 3 companies have corrected this but XXXXXXXX XXXX and XXXX XXXX stilkl haven't done not only what is fair and just but what they said they would do.Believe it or not I have many other things I need to be doing.
Product: Debt collection

Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from XXXX XXXX I, XXXX. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX XXXX has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.
Product: Debt collection

In  XXXX  of  XXXX  I contacted Navient by phone to initiate the process of having my student loan forgiven as part of the   XXXX    Loan Forgiveness pro gram. I was told by the representative that my loan did not qualify for forgiveness. I continued to make payments until  XXXX  of  XXXX  when a conversation with a colleague made me suspect that I had been given bad information. My loan did qualify for forgiveness. I undertook the process of getting loan forgiveness.  Navient  rejected my application four separate times for a variety of extremely trivial reasons ( e.g. I wrote a date as  XXXX  rather than  XXXX  ) but finally sent the note to the guarantor who paid my loan in full.   Because I was given false information on the nature of my loan, I ended up making a full year of payments unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize that my report is still showing inquiries that were Fraudulently made without my my authorization.
Product: Debt collection

I received a call from ( XXXX ) XXXX the caller identified herself as XXXX XXXX, she said that she wanted to contact a friend of mine XXXX XXXX and that she had a job offer for a truck driver position, she told me she was unable to contact his partner and I was his emergency contact from his last driving job, and she needed an answer today if possible and could I try and get ahold of him. I asked if this was a debt collection call she said emphatically no!
Product: Mortgage

On XXXX we tried to speak with an agent at Mr. Cooper Mortgage Co. about our new mortgage transferred to them and the escrow account. The automated phone service that they have in place will not allow us to speak to a live agent. After trying numerous times ( about XXXX ) of trying different options we were not able to speak to any one. 
There has to be a way to contact this company directly as needed.
Product: Debt collection

X/X/14 is not the exact date of the event and disrespect but it was done within in the year of 2014. One of the companies is called XXXX XXXX XXXX based out in XXXX county, Wa. The amount that I allegedly owe is {$660.00}.
Product: Debt collection

To ( XXXX ) XXXX XXXXXXXXXXXX XXXX/XXXX/2015 at XXXX XXXXThank you for your patience and assistance. 

Per supervisor XXXX in account services, the XXXX executive I spoke with hung up on the customer after she provided XXXX different telephone numbers twice ; the Mobiloans male executive violated FDCPA and FTC protection rights of one of Mobiloans ' loyal customers. The previous email is a foward from Mobiloans customer service department including the voided check the supervisor asked the customer today at XXXX XXXX central time to resend to the Mobiloans account services department for account number XXXX regarding the new banking information being submitted on XXXX XXXX, 2015. 

Per supervisor XXXX the system has not updated the checking account information via voided check and authorization form sent from XXXX XXXX, 2015 - XXXX XXXX, 2015. Per supervisor the system was unable to take payments customer scheduled and that the system deleted both payments set up online for XXXX/XXXX/15 and XXXX/XXXX/15 due to this system error. Per supervisor any and all late fees will be removed due to this issue and the phone collection calls being a result of a system error. Per supervisor any delay of the update of the new bank account information sent in beginning XXXX XXXX, 2015 to XXXX XXXX, 2015 will be corrected in the system for account number XXXX within 24-48 hours per recording. The customer will be scheduled to pay only the minimum balance on the next due date of XXXX/XXXX/2015 per current online account. 

Per supervisor XXXX, customer support will be contacted to recorrect point system to show customer as an on time paying customer and restore stolen loyal customer discount credits voided during company system error. 

Thank youAccount Number XXXX
Product: Debt collection

This company is reporting a debt that is incorrect and have failed to verify it in writing. They have refused to respond with the requested verification information and sent me a generic invoice with incorrect information on it. I have certified receipts and the last letter sent on XX/XX/2022 of which they have failed to respond.
Product: Credit reporting or other personal consumer reports

Equifax, I am writing to express my concern regarding my personal information, as I have recently become a victim of identity theft. To minimize further risks, I am requesting that Equifax refrain from sending any documents or correspondence containing my personal or financial information through the mail. I believe electronic communication will be a safer and more secure alternative during this time. 

Additionally, I have identified several unauthorized inquiries on my credit report that I believe are related to the identity theft incident. I am disputing the following inquiries, as they were not initiated or authorized by me : [ List of Unauthorized Inquiries, including the company names and dates ] I kindly request that these inquiries be removed from my credit report as soon as possible. I am committed to working with Equifax to ensure my credit report accurately reflects only authorized and legitimate activity.

Please confirm receipt of this request and provide information on the next steps, including any additional documentation you may need from me to process the disputes and update my communication preferences. I would appreciate your guidance on setting up secure electronic communication to ensure the protection of my personal information. 

FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru  XXXX ,  XXXX  ; -  XXXX  thru  XXXX   XXXX .     I have written to the lender many occasions and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company XXXX XXXX XXXX is calling my number using various numbers twice a day to ask about a debt not owed by me.
Product: Checking or savings account

Dear CFPB, I am writing to express my dissatisfaction with the handling of a new customer coupon that was promised to me when I opened a savings account with Chase. Unfortunately, the coupon was not applied correctly, resulting in a significant loss of the bonus I was entitled to. Below are the details of the issue : XXXX. Coupon Code Not Applied Correctly : On XX/XX/XXXX, I visited a Chase branch to open both a checking and a savings account ( please refer to the attached account opening receipt, which includes the branch 's name ). I provided the banker with a promotional email from Chase containing a coupon code for a {$900.00} bonus ( please refer to the attached pdf ). The banker assured me that the code was entered into the system and proceeded to open both accounts. However, despite this, the coupon code was not applied to my savings account as expected. 

2. Misleading Information in the XXXX XXXX : I was informed that a coupon tracker would appear in the Chase mobile app to confirm my enrollment. However, I did not receive any such notification, leading me to believe that the entire {$900.00} coupon was successfully enrolled. I received the {$300.00} bonus for my checking account after making a direct deposit, which further reinforced my belief that the savings account portion of the bonus was also in process. 

XXXX. Coupon Expiry and Unresolved Issue : In early XXXX, after completing all the requirements for the {$900.00} coupon, I noticed that the bonus was not reflected in my account. Upon contacting customer service, I was informed that the coupon had not been applied to my savings account. I was then advised to visit the branch to resolve the issue. However, the banker informed me that although he had entered the coupon code for both accounts, the system only recorded it for XXXX. When I returned to customer service, I was told that the coupon had expired in late XXXX and could not be reinstated. This is especially frustrating as I later found information online indicating that the coupon had been extended until XXXX ( see attached screenshot of Chase official website ). 

The entire process has been incredibly time-consuming and frustrating. I trusted that the branch would handle this correctly from the beginning, but due to errors on Chase 's part, I am now missing out on {$600.00}, as well as any potential income from the {$15000.00} balance that I maintained in my savings account. 

I am not the only customer who has experienced this issue, as there are numerous similar cases reported online. It is unfair that customers like me, who follow the requirements in good faith, are penalized due to system errors. I strongly urge Chase to address this issue promptly and ensure that the promised bonus is credited to my account. If this situation is not rectified, I believe more customers will face similar frustrations in the future. 

I appreciate your attention to this matter and look forward to a swift resolution.
Product: Vehicle loan or lease

I use a loan acceleration company to pay my auto loan. They have made all applicable payments on time to Kia Motor Finance. The payments are sent out on the third week of every month. Do to this two payments were received in XXXX. They applied the second XXXX payment to the principal, even tough directions on the check was to apply to XXXX 's payment. I contacted XXXX when this happened and they informed me they would correct it, however they never did. They now have me in collections and want me to make an additional payment, instead of backing the payment out and correcting their mistake.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Every month we put extra towards the escrow so we don't have a shortage. Our old payment was {$1600.00} ( My transaction history show my payment as {$1600.00}, which is a whole other issue that needs to be dealt with ). We then lost the mortgage insurance, and the payment went down to {$1600.00}. 
We get a email stating that we would be getting an escrow refund, but that our payment would be going UP to {$1600.00} from {$1600.00}. But then another document we have shows the payment going DOWN to {$1600.00} which I am assuming is based off the {$1600.00}, but the documents provided are inconsistent to the general consumer. You can't tell me my payment is going up but then send me something saying that my payment is going down. There is no consistency in any of your servicing documents sent to e or online. I went on line and discussed this with customer, which was of no help and just said I was getting a check back because I over paid and the payment was due to taxes and insurance going up. I understand that happens but I'm concerned about the inconsistencies sent to the consumer. Please see attached documents.
Product: Checking or savings account

An unauthorized online {$4000.00} transfer was made from my Savings to Checking account on XX/XX/2024. A second unauthorized Online Chase Bank withdrawal of {$7500.00} happened XX/XX/2024. Formal description is : Online Payment XXXX To XXXX XXXX - XXXX. We have filed a police report with XXXX XXXX in XXXX, FL. Case # XXXX. We have worked through Chase Fraud Department and Claim # XXXX has been denied 4 times. As my IP address, account and password were used to make this unauthorized transaction ; Chase does not look beyond the internal financial transaction ; however, fraudulently sent from my computer. The money was used to purchase an XXXX debit card underwritten by XXXX XXXX. XXXX XXXX confirmed I do not have an account with them. They do confirm the Chase transfer, but it went into another account. XXXX XXXX will not identify the name on the account. A Detective from XXXX XXXX has issued a subpoena for this information. XXXX XXXX from XXXX XXXX XXXX Department is handling my case. I had my computer scanned for malware, the company found malicious/malware Zip files and scripts which compromised my computer. This information was given to Chase Fraud Department, but they said it was insufficient to refund our money. At no time have I clicked on or provided my bank information to anyone else. No one else used my computer. No one was in our home to steal my information. We believe my information was stolen while I was online with Chase Bank. XXXX XXXX, our Internet provider, refused to give me or XXXX XXXX any information regarding activity on or around XX/XX/XXXX. We are looking for some help to get our money back from Chase. Please contact us as to next steps or what you could do to assist us to get our money back since we did not benefit from this transaction. Regards, XXXX
Product: Checking or savings account

Two years ago, my husband sent me {$200.00} through Chime using my phone number. Chime had my phone number connected to another person and that woman received the {$200.00}. Although I have taken it up with Chime and told them that they had it wrong and sent them proof that it was not me that got the money they still shot down, my appeal
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I sent a depute to Trans Union regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing as I ask. I ask that whatever the outcome I will be sent that information in writing with 30 days from theXX/XX/XXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report. 

The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By
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. 
On XX/XX/year>, despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I switched from a monthly payor to a semi monthly payor. They have continued to draft payments and they are denying this. I contacted my banks fraud department ( XXXX XXXX XXXX XXXX ) and they said the payments are clearly being made to Newrez Shellpoint Mortgage Company. They are on my bank statement which I have sent to Shellpoint numerous times. They deny this as well. 
I can't get them to fix this problem and they continue to harrass me instead of realizing they are at fault and I have continued to make payments but they are obviously applying them to the wrong loan.My next step is to get an attorney involved. 
This is the second attempt at a complian. The last one you closed because Shellpoint replied with all lies.
Product: Checking or savings account

there are pending transactions that are considered DOUBLE CHARGES ON MY ACCOUNT, there is a pending balance of {$1600.00} that are ALL DUPLICATE CHARGES. now my card is in overdraft and i cant use my card for every day expenses and haven't been able to for the last week... please fix this. 

i am owed XXXX
Product: Credit reporting or other personal consumer reports

XXXX, All they did was updated and did not remove from my credit ( see attached ) Original request to remove these items that are in Violation of Code US1692g Code 604 15 USC1681b and 15USC1681C-2 Repo : 15 USCode 1635, 15USC Collection companies that I have no business with neither gave my signature or permission to report any thing to my credit. Inquires that I have no knowledge of. repo reporting has an open account with a balance. Together XXXX reporting a huge balance on charged off account Those items are creating XXXX in my life
Product: Credit card or prepaid card

I have Bank of America CALIFORNIA EDD DEBIT VISA ACCOUNT. Due to.faulty chip technology I and a million other people got scammed. I lost {$900.00} on that with precious little help from Bank of America. EDD CLOSED THE ACCOUNTS OF 1.5 MILLION UNEMPLOYED people because of the fraud. As per EDD instructions I faxed and mailed all identity documentation. EDD INFORMED ME THAT MY IDENTITY WAS CONFIRMED ON XX/XX/XXXX. I still have no access to my money. The {$900.00} that was scammed, the {$1800.00} that was still in the account, the certified weeks since, and the Federal Psndemic assistance. B OF A is using {$5000.00} of my money for 3 months so far. B of A blames EDD. EDD BLAMES B OF A. 1.5 million of us have no money to pay our bills with. I have done many hours of useless telephone conversations with both. Please help!!!