23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile : XXXX XXXX XXXX Did you see that your company was sued by the CFPB for unlawfully failing to properly investigate consumer disputes? The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed as soon as possible.
Product: Mortgage

I have not made payments regularly XXXX  year XXXX to XXXX so I was lagging behind due to my father was having a XXXX XXXX so I had spend money for that and also I had to travel to XXXX, then I was added to a forbearance plan where I was needed to pay some short amount for XXXX months, then after XXXX months total of XXXX  months mortgage was added for me to pay, then I asked for help as I can not pay that big amount so I was added to another program where I was paying around {$4000.00} so paid for couple of months somehow last payment got missed, so now I have to pay altogether XXXX  months payments from XXXX XXXX to XXXX XXXX within XXXX months, currently my salary got incremented going forward I will not have any problem paying my monthly mortgage payments on time, if they can help me add the XXXX  months payment to my final loan so that I can resume my monthly payments from this month onwards on time without fail.
Product: Debt collection

XX/XX/year> at XXXX I was contacted via text message allegedly owing a debt to Capital Recovery Corp . However, the initial message had typos in the message with a link to click for more information. In the days of phishing and smishing, I have been trained not to click on links or acknowledge any unsolicited messages or emails. 

The follow up message came today XX/XX/year> at XXXX, with a balance alert for XXXX XXXX XXXX apparently owing the debt to XXXX XXXX XXXX Acct # XXXX for {$150.00} with another link to click. Again, I didn't click the link nor have I been to this medical facility and I am most certainly not XXXX. There was also a number I could call but declined ; XXXX and the usual opt out STOP request. As mentioned, I don't interact with unsolicited messages, links or opt out choices, as that confirms they have reached a valid phone number. 

The short code that the message was sent from was XXXX.
Product: Credit reporting or other personal consumer reports

I have a user name and password for Experian 's website but they no longer let me log in. I tried " password reset '' but it won't let me. Their phone tree will NOT connect me to a live person, so on XX/XX/XXXX I snail-mailed a request for password help and included all the documents the website said they need, but I did not receive a reply. I snail-mailed another request on XX/XX/XXXX but they still did not reply. I snail-mailed a third request on XX/XX/XXXX and mailed it certified, return receipt requested. 
Today, XX/XX/XXXX, I got a form letter as a reply. It says, " Your personal credit report already displays a security freeze. '' And I say, HUH? What about my password reset??? 
Their letter says, " Report # XXXX for XXXX '', if that helps. 
Please contact Experian and ask them to provide a phone number to a human being who can help. They can send the phone number to my email address, XXXX BTW, I've had the same home phone number since XXXX, but it is now on VOIP. Perhaps that's the problem. One more issue - my cell phone, XXXX, is a " basic phone '' with no data plan. Their website 's " password reset '' function requires me to receive a text and click on a link, which I can not do. Please help! And... THANK YOU!!
Product: Debt collection

Daily calling and harassing starting at XXXX. Several weeks back on a recorded call by the company I asked that they stop calling cease and desist. The man was very rude and also a manger.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Bank account or service

I attempted to close a checking account. The bank ( PNC ) levied a fee. I went to the local branch and discussed the situation. I reluctantly paid the fee and had the account closed ( or so I thought ). I then also closed my other account with the bank - which took XXXX trips to the branch. They allege they had placed a 'hold ' on the account due to 'suspicious activity '. Anyway, I thought I was finally clear of PNC. I 'm now receiving " account overdrawn '' emails from PNC. I 've called and they 're unable to help.
Product: Debt collection

Duplicating the same debt on my credit reports twice is illegal the original creditor sold the debt on ( XX/XX/2017 ) it was charged off and closed but yet they are still reporting the debt as well as the collection agency that they sold it to, the amount that is being reported is {$970.00}. I don't owe the collection agency because I have not signed any contractual contract binding me to pay this debt off with the collection agency. And sending me a Bill statement isn't justification of a contract.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my privacy has been severely violated by the credit reporting agencies. As stated in the Fair Credit Reporting Act ( Title VI Consumer Credit Protection ) information in a consumer report can not be provided to anyone who doesn't have a purpose specified in the Act. The and Accurate Credit Transaction Act added many provisions to this Act primarily relating to record accuracy and identity theft. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you ; written, unwritten, verbal and non verbal per US Code 6802.
Product: Mortgage

I am the borrower on a Conventional loan that started in XXXX. The original purchase price was {$320000.00}. I have been paying PMI for more than 17 years. 

Per the consumer protection act PMI should have automatically stopped when the loan balance was 80 % of the original purchase price. 

Bank of America failed to acknowledge that surely after 10 years ( in XXXX ) the loan balance was less than 80 %. 

When I spoke to Bank of America they disagreed with me and took a stand they what they did by collecting PMI on a loan for more than 15 years was proper. 

There is no way a borrower should be paying PMI for over 15 years. 

Bank of Americas policies to collect PMI are unfair to borrowers and similar to government having people pay on student loans for 20 or more years.

This standard of not removing PMI once LTV is 80 % of the original purchase price is predatory and should be illegal. 

Bank of America sent me some documents to support their decision. However they failed to send the documents from their Escrow department dated prior to XXXX that show that mortgage was eligible for PMI removal a long time ago. This is dishonest and unfair to borrowers. 

Laws need to be changed so borrowers are not paying PMI way pass the point of that 80 % LTV point. 

Lenders should not be profiting off of collecting PMI for 10 to 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion furnished my credit report to XXXX XXXX without my permission or any permissible purpose. Transunion has violated my consumer rights. Transunion has violated 1681b ( c ) ( 3 ) of the FCRA.
Product: Credit card

I received a new XXXX XXXX XXXX credit card with the intention of paying of a car that I am paying off that has an 11 % interest rate on it. Once I received the card, I made a balance transfer on the XXXX XXXX website from their credit card to my XXXX checking account in the amount of {$3700.00}. 
I received a notice that stated that the transfer was processed on XX/XX/year> in the amount of {$3700.00} from the XXXX XXXX credit card to XXXX XXXX XXXX ( XXXX ). The transfer never made it to my account and routing number that I requested the money to get sent to. 
I have spoke with XXXX. They don't have record of the transfer or see an incoming transfer. I have been working with XXXX XXXX and have filled many disputes and complaints and have filed one with CFPB, which is now currently closed. XXXX XXXX was able to get in touch with someone through email at : XXXX. I have been speaking with XXXX at the XXXX XXXX XXXX XXXX ( XXXX ) and she has been kindly working with me to help resolve this issue. It appears that my balance transfer is being held at the processing center as confirmed in emails between XXXX and XXXX. The transaction was confirmed with my account and routing number along with a trace id. While it is reassuring to know that my transfer isn't lost or didn't go into another account, it isn't appropriate that I have this amount of {$3700.00} as outstanding debt that I owe which I didn't receive. I have been making monthy payments on this. 
Currently, I have been in contact with XXXX XXXX XXXX XXXX emailed aciworldwide ( haven't gotten a response yet ), have emailed the president of XXXX and many of the executive officers, have called XXXX and have gotten transferred around without success. 
When XXXX corresponded with someone at XXXX, she was told that I would have to personally speak to them to request the reversal of the transfer of have it sent to my account with XXXX. XXXX XXXX states that balance transfers from their credit card can technically only go into a XXXX XXXX checking account. 
I called XXXX this morning and requested that she communicate with ACIworldwide on their thread to request that we schedule a conference call so that we can solve this issue. I need help from XXXX to get in contact with XXXX, since I haven't had any success in speaking to someone there who is willing to help.
Product: Debt or credit management

Hi. I needed credit card relief so I reached out to XXXX XXXX about helping me. I had never been late with payments but was struggling. They said they would be able to help by reducing my balances. I agreed even though their explanations aren't always clear. I began the program with them in XX/XX/XXXX. I'm not clear about my full beginning balance or payment because when I try to read my original contracts in my e mails it says those documents are expired but I do know my payments were about {$410.00} a month. Afew months in and they said i was no longer working with XXXX XXXX but with Americor, which was not totally ok with me i was skeptical but i believed what they were saying. Now I log in to my portal to check my statement and it says I began their program XX/XX/XXXX with a {$9400.00} balance. My payments are now {$390.00} and I now have a balance of {$7500.00}. I believe my account was refinanced but i was never told that's what was happening. Iam besides myself reading that I've been paying about {$400.00} for close to 19 months and my debt has gone down {$1900.00}. I have been paying more on interests than my principal.
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding the inaccurate reporting of an account by XXXX XXXXXXXX XXXX ( Account Number : XXXX ) on all three major credit reporting agencies specifically these : Experian, XXXX, and XXXX. ( and others ) Key Issues : Failure to Report the Sale of Debt : XXXX XXXX Bank sold this debt to a third-party collection agency, Monarch Recovery XXXX XXXX However, the account is still being reported by XXXX XXXX Bank as an active charge-off with a balance of {$460.00}. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), which requires creditors to accurately report the sale of a debt.

Inconsistent and Inaccurate Reporting : There are significant discrepancies in how this account is being reported across the three credit bureaus. The credit limit and balance usage are inconsistent, and the account status and payment history are inaccurately reflected. This violates FCRA Section 609 ( a ) ( 1 ) ( A ), which mandates that all information must be accurate and verifiable.

Failure to Conduct a Reasonable Investigation : I have disputed this account multiple times, and each time it has been verified and updated without any substantive changes. This suggests that XXXX XXXX Bank and the credit bureaus have not conducted a proper investigation, as required under FCRA Section XXXX ( b ). 
Legal Violations by XXXX XXXX XXXX : Monarch Recovery Management is sending me collection notices for this account despite the ongoing disputes and inaccurate reporting. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 2 ) ( A ), which prohibits the misrepresentation of the character, amount, or legal status of a debt. 
Impact : The continued inaccurate reporting of this account has caused significant harm to my XXXX XXXX and overall financial well-being. The emotional distress and financial damage Ive suffered due to this ongoing issue are substantial.
Product: Money transfer, virtual currency, or money service

Please review my email to Remitly describing our issues regarding a money transfer to the XXXX from the US. This email was an attempt to resolve all the charges. However, Remitly will not answer my email. Therefore we are requesting your assistance to arbitrate this matter. 



Transfer date of XXXX XXXX. 

Including screenshots of transaction fees. 


XX/XX/2020 Email to Remitly : To whom it concerns, We used your service for the first time to send funds to the XXXX on XX/XX/2020. We took advantage of the no service fee for first time use. However there was a {$29.00} fee? With a higher exchange rate I reluctantly agreed. That was misleading. Upon reviewing my Visa statement I was charged an additional {$44.00}, plus interest for cash advance that I did not agree to. Theres also daily interest being applied. To date your service has exploited me over {$74.00} USD to send funds. 


Prior to using your agency we used XXXX numerous times. Which only has a transfer fee of {$5.00} to {$7.00} which is upfront and not hidden. They also do not use cash advance merchant codes. 

My Visa company has been made aware of your misleading terms and conditions. They also reviewed your website and agreed with the terms being ambiguous. 

Will allow you the opportunity to respond before filing a formal compliant with the appropriate authorities. 

Two screenshots attached. 

Best, XXXX. 






Auto response from Remitly : Dear XXXX, We currently have limited customer service available as we protect our global team and align with public safety precautions for COVID-19. At this time, we are not able to offer email support and are unable to respond to any email message you send us. 

We truly appreciate your understanding and patience and apologize for the inconvenience to you. 

We encourage you to find easy answers to your questions on our Help Center, such as : Track your transfer Edit your transfer Cancel your transfer Why is my transfer on hold? 
How sending limits work If you need to reach out to us, you can find the latest information on what customer service options are available here. 

As always, thank you for choosing Remitly.

The Remitly Team Not able to locate any account or transaction numbers?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds in 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair credit Reporting Act ( FCRA ), 15 U.S.C. 1681I, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

Dear Sir/Madam, I am writing to express my dissatisfaction and concern regarding the recent cancellation of my XXXX XXXX XXXX account repayment account by Wells Fargo Bank . This action was taken without my consent or notification, and it has caused significant inconvenience and disruption to my financial affairs. 

I opened the XXXX XXXX XXXX account with the intention of managing my finances efficiently and securely. However, Wells Fargos unilateral decision to cancel this account has undermined my trust in their services and has left me without a reliable means of managing my savings. 

I strongly urge Wells Fargo Bank to rectify this situation immediately by reinstating my XXXX XXXX XXXX  account repayment account without any further delay. Additionally, I request a formal explanation for the unjustified cancellation of my account and assurances that such actions will not occur in the future. 

Failure to address this matter promptly and satisfactorily will compel me to explore alternative banking options and pursue appropriate recourse to seek compensation for the inconvenience caused. 

Thank you for your attention to this matter. I look forward to a swift resolution of this issue. 

Sincerely, XXXX
Product: Mortgage

In about XXXX of XXXX, I began applying to XXXX here in XXXX, MI to refinance my Mortgage which was being serviced by CitiMortgage Inc. ( CMI ) As this was happening, CMI decided to sell the servicing of my Mortgage to XXXX XXXX XXXX. ( XXXX ) Therefore, as I was finishing up the process of refinancing my loan with XXXX, I began making payments on my Mortgage to XXXX. 
The problem began when XXXX began to itemize a debt that I did not recognize. XXXX called it " Corporate Advance Balance ''. And they gave this definition, with an asterisk, for it on my bill : " Corporate Advances represents monies advanced by servicer to pay taxes, insurance, and any other amount currently due that are not part of an escrow account ''. And it did not appear on my Monthly Billing Statement from XXXX, until the third statement from them, on XXXX/XXXX/XXXX. The amount was {$370.00}. When I inquired, XXXX never did clearly explain what constituted said {$370.00}. XXXX continued to hold me responsible for said " Corporate Advance ''. When we closed with XXXX to refinance my Mortgage Loan with them, XXXX included the {$370.00} in their Payoff Statement of XXXX/XXXX/XXXX to XXXX. My XXXX Loan originator, said he spent considerable time with a XXXX representrative about the matter, with no success. I was advised to go ahead and accept the charge for now, and to try to hold CMI/XXXX responsible for the Corporate Advances later on. This is what I 'm doing now. I have done some research to determine where the {$370.00} came from, so to speak. On XXXX/XXXX/XXXX, I was able to speak with a worker at CMI over the Tele. 
He was able to quote me what comprised the {$370.00} Corporate Advance that CMI passed on to XXXX : XXXX/XXXX/XXXX : {$260.00} for Title ( something ) / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$9.00} Certified Mail / XXXX/XXXX/XXXX : {$92.00} Publication Fee / XXXX/XXXX/XXXX : XXXX Pub. Fee. This adds up to {$370.00}. CMI and XXXX have conspired, through means of a " Corporate Advance '' of forcing me to pay for charges I had never been billed for by CMI, which CMI passed on to XXXX and which XXXX forced me to pay when they included the " Corporate Advance/s '' of {$370.00} in their Payoff Statement to XXXX on XXXX.
Product: Bank account or service

Hello, On XXXX XXXX, 2016 I opened up a CitiGold checking account after I had received an offer of XXXX TYPs after opening, funding, and using their Bill Pay service. As of XXXX/XXXX/2016, Citi Bank has closed my account without notification and whilst holding funds of {$30.00} in which they are currently refusing to return to me. 
I asked that Citibank re-open my account and honor the original sign-up agreement via their chat portal on XXXX/XXXX/2016 where they declined my request ( see attachment ). In that conversation, I notified them that my account had {$30.00} in it as of XXXX/XXXX/2016, and yet as of XXXX/XXXX/2016, my balance was missing and my account closed. They stated the monthly account charge took my last {$30.00} and they closed the account immediately after that. My monthly service fee was also due on XXXX/XXXX/2016 since the previous fee was paid out on XXXX/XXXX/2016, meaning they collected the service fee earlier than scheduled in order to close my account by XXXX. 
Furthermore, Citibank stated they closed my account due to inactivity, but that is far from the truth. I 've made at least XXXX transaction each month since opening. Either it be bill payments or payment of the monthly fee to keep the account open until my other assets were ready to be transferred over from an outside brokerage. 
If I am paying the monthly fee to use the account, how can they collect that fee and then close my account immediately? 
Why would they do it days before they were required to pay out the XXXX XXXX points per the agreement when I opened the account? 
I have attached what is still available to me on Citi 's website, but I do n't have access to recent history nor old customer service messages since they closed my account. 
Please assist me. 
Thank you, -XXXX
Product: Checking or savings account

Earlier this XXXX, I saw a promotion offered by Bank of the West. They suggested if I go bank with them, namely by opening a checking account and complete some requirements, I would get a bonus of up to {$150.00}. Please see attached " offer detail.jpg ''. I thought it was good deal and applied for it right away. According to the offer term, I had to complete 10 debit card transactions in following two months. The {$50.00} bonus would be paid by XX/XX/XXXX. I have completed their 10 debit card transactions requirement by XX/XX/XXXX. Bank of the West, however, does n't honor this bonus as of today.
Product: Debt collection

I received no notice from this company. The only reason I found out about this is because they put a collection on my credit report. This company has never communicated with me and is in violation of the FDCPA.