23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Was denied a home equity line of credit after a 2 1/2 month application period in which I was continuously asked to provide additional income, tax return information and supporting documentation. Due to the extreme length of time to make a decision, Bank of America has pulled XXXX credit reports which has reduced my credit score and prevented me from being able to apply through another lender. I was told that my debt to income ratio was too high and credit score too low to be approved. This decision was reached after a 2 and a half month process? Had this decision been conveyed in a reasonable time frame I would have been able to apply through a different financial institution without additional credit being pulled and reducing my credit score. Every time the bank has asked for additional documentation, it was provided by my wife and I in a timely fashion. I would ask that the board investigate both the reasons for loan denial since it was not clearly explained and why the process took 2 and a half months to make a decision after telling me that my income, debt to income ratio and credit were not an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX  account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several attempts to resolve fraudulent reported accounts after being a victim of Identity Theft, I have had no success working with Transunion on proper removal of the fradulent accounts reported to my personal credit profile accourding to the FCRA section 605B.
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. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety. 

XX/XX/year> {$17.00}, XX/XX/year> {$15.00}, XX/XX/year> {$100.00}, XX/XX/year> {$100.00}, XX/XX/year> {$100.00}, XX/XX/year> {$35.00}, XX/XX/year> {$9.00}, XX/XX/year> {$40.00}, XX/XX/year> {$20.00}, XX/XX/year> {$25.00}, XX/XX/year> {$40.00}, XX/XX/year> {$300.00}, XX/XX/year> {$12.00}, XX/XX/year> {$8.00}, XX/XX/year> {$16.00},
Product: Checking or savings account

I went to a CHASE ATM to withdraw money from my XXXX XXXX acct. Where I receive my Soc. Sec. Benefits. When I got to the step where the CHASE ATM would dispense my money the Atm had a " TECHNICAL DIFFICULTIES " message. So I grabbed my card and called to double check my card balance, and even though I received no money, the XXXX $ that I tried to withdrawl was deducted from my checking acct. A XXXX # from CHASE popped up and I called it, the lady said just go into any CHASE branch and they could fix it and get my money to me. Well 2 Different CHASE branch said they could do nothing bout it cause I Ai n't a CHASE Member. My XXXX XXXX card company said they have to do an investigation, and I might get my XXXX $ in 45-90 days. I am XXXX and it 's my only sorce of income. This happened XXXX XXXX 2017, I went to the CHASE branches on XX/XX/XXXX & XX/XX/XXXX. Spoke to them on XX/XX/XXXX,XX/XX/XXXX And XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX credit score ( over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX  XXXX XXXX XX/XX/2020 FLAGSHIP CRE XX/XX/2020 XXXX/XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I would like to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX This is not my home address. Please check and remove this address immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Please remove this inaccurate address as soon as possible. This is not my home address. Please verify and delete it immediately. 
XXXX XXXX XXXX {$1700.00} It seems that the following information reported is incorrect :, payment history, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX XXXX Balance {$32000.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B.

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

I send information to Experian thru cfcb and they closed the case without fixing it submitted on XX/XX/2022 and I am seeking a XXXX per violation
Product: Mortgage

I received a home equity loan from Bank of Albuquerque 8 years ago. Payments were made for seven years, XXXX. I called the bank for forebearance, they offered half a month. I had no income, and they started foreclosing on me in three months, the amount they were owed was around {$650.00}. 

I am losing my home over principal and interest due of under {$3000.00}. I have no idea what is being charged for legal fees. I have approximately {$9000.00} that I earned in the last few weeks, the balance was {$15000.00}. The auction sale is XXXX XXXX! 

What really bothers me is that I had a 7.5 % interest rate. I closed my bank account with them over unfair overcharges. They increased the interest rate to 8 %. Prime rate was under 4 % at the time and I had a FICO score of XXXX. They lost a class action settlement suit over the issue. They called and said if I opened an account again, they would pay me {$70.00} for their wrongdoing and modify the home equity loan to 4.5 %. After going through the process of opening an account and applying for another XXXX THEY DID NEITHER OF THOSE. MY LOAN WOULD HAVE BEEN ALMOST PAID OFF by last year at the promised interest rate. 

Bank of Albuquerque has, again, imposed unfair and unauthorized charges on my business and personal accounts. This happened after contacting them about loan fore bearance. I specifically opened those accounts with their stating that there would NOT BE ANY AUTOMATIC WITHDRAWALS.
Product: Credit card or prepaid card

In XX/XX/XXXX I received a text message from EDD saying my account was temporary closed and required I click on the link provided. After clicking on the link eddhelp.co it takes me to Bank Of America website where it ask me a series of private personal questions to identify my identity like ; what city I met my husband, what my favorite food was? What my favorite color? What my dog name? My social security number my card number and expiration date and my d.o.b and my card number. Now this was the Bank of America website so I did not become alarmed. The next day my entire disabilty Check from Edd was fraudulently electronically transferred. My funds now said XXXX! I immediately called the Bank of America Pre paid card services in back of my debit card XXXX XXXX XXXX spoke with claims dept. Then transferred to fraud Dept I told them in detail I was a victim of fraud and my funds where gone! I demanded to know where the money went to? The claims Dept but Said they did not know, but would open a claim for me. I was laughed at and made a fool of after I explained what had happened! Completely unprofessional!! My claim number is # XXXX I explained this was my only source of income and needed this expedited. I also called the FBI as well and the FTC and XXXX. On XX/XX/2022 I received a letter in the mail from Bank Of America saying they have completed their review of the above claim and have determined that no error had occurred in this instance and closed my claim! 
I immediately called the number on the letter XXXX XXXX XXXX XXXX and again explain in detail the events of the fraud text and the Bank of America questions. The operator are very unprofessional I was laughed at again! Then they could not find my name or account or claim, I asked for a supervisor whom I thought was helpful in the end given the run around and asked to call back that my account says CLOSED ESCHEATMENT I dont know what this means and neither do the Bank of America Representatives ! I have asked the fraud Dept.to tell me where my money was and they said they have no idea! And could not provide details! I am ignored laughed at and hung up on or just plain out on hold and asked to call back when a supervisor is around! Completely unprofessional! Given the run around while I am out by disabilty which is my only source of income. I am a victim of a fraud scam, my entire Edd payment of {$1100.00} was stolen by a fraud scheme that I believe is by ; Bank Of America and they seem to be behind this based on my phone experience I am not being taken seriously! I believe this is an elaborate scam all my money stolen! Bank of America refuse to provide details as where my money was transferred too! Bank of America has also failed to send me a new debit card! I have attached the text message and the link along with the link that shows Bank Of America. And the letter from Bank of America. XXXX is the person from claims Dept. I called again on XX/XX/2022 for what they call re-determination of my claim.
Product: Credit card or prepaid card

I pay my capitalone account twice a month over the amount due billed monthly. The statement states by due date is the XXXX each month. They keep charging me late fees for paying BEFORE the XXXX and stubbornly tell me I can't pay my bill early or I'll get charged late fees of which they will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a collection account with NCB management as a result from XXXX XXXX. The account was settled and paid in full in XX/XX/2020. I was told if I settled the account that the account would be removed from my credit report. It is still showing on my account but a XXXX balance. This is negatively impacting my credit score. I am respectful asking that this company honors the agreement and remove NCB management from all reporting Credit Bureaus
Product: Mortgage

I have tried to get our mortgage provider to work with us in several ways. But they have refused us help at every turn. SPS ( Select Portfolio Servicing ) now is trying to take my house with no help. Can we get help with making them work with us so we can stay in the home we have lived in for 23 years before they bought our loan?
Product: Money transfer, virtual currency, or money service

I lost my account due to a phone and data information last hour a stolen information incident where my phone went missing and somebody else logged onto my account and has changed my information so I can no longer access any of my money or my money flow I would really appreciate some help and I don't know how to get it from anybody without going through a Consumer Legal associate.
Product: Checking or savings account

I opened my Chase Private Client account online in XXXX. The nearest branch was more than XXXX miles away from where I lived at the time. This account requires a minimum balance to avoid a {$35.00} minimum monthly fee. I've been charged hundreds of $ in fees since I wasn't able to maintain the required balance and Chase refuses to change my checking type to another type not requiring a minimum balance without me physically coming in to a branch. I'm traveling and work during business hours and unable to come in to a branch to do so and have made several phone, email, online message attempts to change the account, but Chase requires me to physically come in to change the account type while I'm being charged hundreds of $ in fees. If they're able to open an account online, why can't they close or change one. This is a perfect example of a big bank abusing it's customers and making revenue out of it.
Product: Credit reporting or other personal consumer reports

AMEX Account # : XXXX Date Opened : XX/XX/year> XX/XX/year> XX/XX/year> High Credit : {$30000.00} {$30000.00} {$0.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Product: Mortgage

Escrow Refund Issues : - SunTrust Mortgage - Loan Acct : XXXX Loan closed with re-fi on XX/XX/XXXX. Funded to SunTrusXXXX on XX/XX/XXXX. Loadn payoff was processed and I have received multiple pieces of correspondence from SunTrust included the Recording of Cancellation of Deed to Secure Debt but no escrow refund. 

I have spoken with them several times and continue to get the runaround with no resolution. 

XXXX 's explanation - Check cut - XX/XX/XXXX Check mailed - XXXX Need to wait 30 days to receive and if no check, they will stop payment and reissue using the same process and I will need to wait another 30 days. 
They will not expedite the return of my escrow funds even though it is strange that I have no trouble receiving at least 10 pieces of correspondence from SunTrust. I suspect there is a process to hold checks to continue to collect interest. What is their reasoning -- there is none. They also will not send with any tracking information. 
I need my funds so I can pay my property taxes which are coming due but have no return of my escrow funds. 

Please help!
Product: Credit reporting

XXXX XXXX is listed as a former employer. He was my XXXX husband that I divorced 14 years ago. To see his name on my report, I am not surprised that he would be involved in identity theft.
Product: Checking or savings account

On XX/XX/2022 I opened a checking account and a savings account online with a balance of {$50.00} in each account. 
On XX/XX/2022, the bank sent me a letter saying that the accounts were closed. 
On XX/XX/2022 the bank sent me a welcome letter for both accounts with a bank statement and a debit card. 
I have called the bank three ( 3 ) times to find out whats going on.

I wasted an hour+ with their representatives who will not release my funds to me even though they have closed the accounts. 
Theyve stated that they closed my account over concerns with my ID even though I successfully complied with their ID protocols and they sent me emails with my account numbers, saying that the accounts had been opened successfully on XX/XX/2022. 
Now, the bank will not refund my funds to me even though they have closed the accounts.
Product: Credit reporting or other personal consumer reports

I check my credit report and there is information that is not correct the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts are not mine accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, this information is not true and need to be remove from my credit report
Product: Credit reporting

GINNYS : I have never requested a line of credit with Ginnys. I started receiving the magazine which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you
Product: Debt collection

Repeated call for a debt that is not mine. I have never had a Wells Fargo account of any kind. Calls continue, mostly hang up calls.
Product: Mortgage

XXXX XXXX has sent correspondence that they are neither lender or servicer of our mortgage. Per Select Portfolio the original note was either destroyed or mutilated. We have continuously asked how to determine the true lender. That request has fallen on deft ears. Based on the documentation received regarding our home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX we feel SPS is trying to steal our home. Per Arkansas law the lender is required to provide the name and address to where the original note is held. Select Portfolio is unable to produce such document as the original note has either been " destroyed or mutilated ''. What ORGINAL documentation is being used to determine that XXXX XXXX had the legal right to initiate collection/foreclosure procedures?
Product: Debt collection

Received a letter from the company stating that i owe a debt from XX/XX/2009. I told the company that I do n't believe that this is mt debt. I still have a current account with the company and I 've never been late on any payments. He told me that maybe somebody opened the account in my name because the addresses were accurate with my addresses. I have never received anything from this company stating that I owe a past debt. This account is 8 years old and past the statue of limitations for collection in my state. I do n't understand why this company is coming after me for now for and account that they say was closed in XX/XX/2009. I want this company to stop contacting me for this phantom debt that I dont owe.
Product: Credit reporting

XXXX XXXX XXXX is still reporting an old acct which they agreed to remove when we settled the account. I 've requested the acct be removed but Experian continually reports it as being verified. I 've asked both XXXX XXXX XXXX XXXX Experian to provide all the proper documentation they 've used to verify the account but they have not responded to me. I would like this account removed per my settlement agreement with XXXX XXXX XXXX ... this was an oral agreement which XXXX XXXX XXXX agreed to remove from my records back in 2009. It 's still being reported inaccurately. I 'd like it removed immediately per the settlement agreement.
Product: Checking or savings account

I traveled to XXXX for medical reasons in XX/XX/XXXX. While there I attempted to withdraw {$60.00} for the Taxi fee to airport on XX/XX/XXXX and XXXX from the only ATM that dispenses dollars, at XXXX XXXX. The ATM denied my withdrawal since the amount requested was translated into pesos ( {$1100.00} on XX/XX/XXXX and {$1100.00} onXX/XX/XXXX ). The ATM request had a dollar sign " $ '' in lieu of pesos. I called Wells Fargo bank ( my bank ) to explain that I am requesting {$60.00} not {$1000.00}!. The rep I spoke with said she would have to raise my credit limit to allow the transaction. I argued that it made no sense since I only need {$60.00} and the ATM uses " $ '' for pesos. After much confusion she said to try again. I was able to get the {$60.00} and did so again on the XXXX. 
When I reviewed my statements I found I had been charged in dollars, and Wells Fargo refused to credit my the {$1800.00} they owe my account. I explained, and even asked them to call XXXX XXXX, since the withdraw limit is $ XXXX/day anyway. I have opened the claim twice with their Fraud Dept. with no effect. The Doctor i saw in XXXX called me and confirmed the bank will not dispense more than {$450.00}, and that the bank here is confusing the dollar sign for US dollars. Still Wells Fargo will not credit me the funds. Now they won't return my calls.
Product: Bank account or service

Some indvidual walked in to an HSBC branch, deposited a fake check into my account, then withdrew that amount in cash, using a fake ID, they then went to another branch and did the exact same thing. They managed to steal XXXX from my savings account, cause once the checks bounced they took them off my savings. I contacted the bank, and they said they will investigate this has been going on Since XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/22 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference please see the below inquiries : XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violatons. Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights reserved.