23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Due to the Coronavirus, I opened an account online with Bank of America. We had moved to a new state and were trying to set up new checking and savings accounts but could not conduct business in-person like we prefer. The application went smoothly and the account was opened. B of A issued a debit card in the mail and I opened online bank and the mobile app. I funded the account with {$100.00} into savings and {$100.00} into checking on XX/XX/XXXX from my other account. I used the mobile app to deposit two checks in the amount of {$400.00} and {$340.00} on XX/XX/XXXX. Shortly thereafter, Bank of America informed me that my account was closed without any real explanation. I visited a branch and learned that there were problems with my ID not being accepted by the automated system. The branch and various chains of management were unable to verify my identity even though I was physically present with two forms of ID. They could not override the account closure and assured me that my deposits would be refunded via a cashier 's check in the mail. They could not cut me a check that day because holds were placed on my deposits. We have visited another branch to check on the status of the cashier 's check. It had been issued as two checks, one for {$100.00} and the other for {$840.00} on XX/XX/XXXX. We received a bank statement showing XXXX balance today ( XX/XX/XXXX ) but have not received the cashier 's check ( s ). Where's the beef? They have also sent me two letters ( XX/XX/XXXX ) informing me that my name may be reported to XXXX XXXX and XXXX XXXX XXXX, and may prevent me from opening new accounts. 

I do not know what recourse we have with Bank of America if we do not receive a refund of our money from an account that they closed in error. B of A is completely unhelpful in-person or over the phone, it's always someone else 's department and " coming in the mail. '' Hopefully, the check arrives soon. Meanwhile, I am submitting this complaint to start the process of recovering {$940.00} more or less bungled/stolen by Bank of America. They approved the account, let us fund it, then some fraud algorithm closed it and the branch managers act helpless while they keep the {$940.00}. This is an unacceptable business model, especially during a health crisis. If they want to scam people, let them scam deep pocketed folks who may not notice and not the mother of XXXX ( including XXXX XXXX children ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFBP findings 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 serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK AT MY CREDIT REPORT. I HAVE HAD A FREEZE ON ALL 3 CREDIT BUREAUS AND HARD INQUIRIES ARE STILL HAPPENING. IF THE CREDIT COMPANIES DON'T FIX AND CFPB DON'T FIX, WHAT IS MY NEXT STEP. THE HARD INQUIRIES ARE KILLING ME. I RECENTLY ( 1 WEEK AGO ) TOOK THE FREEZES OFF ALL THREE. I RECENTLY HAVER TRIED TO GET A XXXX XXXX  ON BALANCE TRANSFERS BUT DENIED DUE TO HARD INQUIRIES. INITIALLY I HAD THE SAME PROBLEM WITH EQUIFAX, XXXX, AND XXXX. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW XXXX. MY SCORE WILL BE XXXX OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME
Product: Money transfer, virtual currency, or money service

Scams fraud and misleading information and customer support
Product: Credit card

I paid off PayPal credit thru synchrony Bank in XXXX of 2023. I paid thru my bank and spoke to synchrony Bank representative confirming they received the money transfer and closed the account as I requested. Now I am receiving harassing emails and phone calls about a balance due on this account. The account has not been used by me since XXXX I have no idea why this is occurring. I do know I don't owe them one red cent.
Product: Mortgage

I am filing a complaint about Loan Depot. I love in XXXX  Florida and was affected by Hurricane Irma. I had to make major home repairs that my home owners insurance did not cover. At the time Loan Depot was nice when I called about making the repairs and paying my mortgage. They offfered me a forbarance plan that began on 1XX/XX/XXXX to XX/XX/XXXX. Loan Depot said that my plan will end on XX/XX/XXXX and that I would be contacted to reasses my current circumstances and be given alternatives that may be availble to me. So, I stated making my regular mortgage payments starting on JXX/XX/XXXX. I have made my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments while they work on some kind of plan. I have sent them pages of documents, taxes, personal statements, pay check stubs ... etc. I call every week to check on the progress and during these past few months each time I all they need something else. In my forbearance letter it clearly states by Loan Depot that during the forebearance and loss mitigation process that they, and I quote, will not be reporting the delinquency status or the entry into a forebearance plan to credit reporting agencies. This was a lie as on XX/XX/XXXX Loan Depot reported that I am 60 days past due on my mortgage payments, on XX/XX/XXXX they reported to XXXX that I am 60 days past due, and on XX/XX/XXXX they reported to XXXX   that I am 60 days past due. On XX/XX/XXXX when I got an alert on my credit report I called Loan Depots loan servicing department and explained what happened. The person on the phone was a bit rude, and did tell me that she was sorry and that it was a mistake and they would fix it and stop the reporting. Well, that did not happen and on XX/XX/XXXX and XX/XX/XXXX Loan Depot continued to report late payments on the credit bureau sites. I have never been late with any payments, and just needed a three month break while I made home repairs. I am a widow and live in my house XXXX XXXX  and had to pay to get the repairs done. When I called about this issue, they also told me I need to start making XXXX a month payments for the next four months to catch up with the payments I missed during forebearance. I will pay this on XX/XX/XXXX, however Loan Depot has not sent me any kind of package as promised telling me this new payment schedule, and why I was not approved for a loan mitigation. At this point I just want to pay what I have to, however I want my credit report fixed. I have the letter Loan Depot sent that clearly states they would not report me to the credit bureaus. I need to do a new lease for my car and I know the car company will not approve a new lease with my credit score down now by 70 points. This is a horrible way to treat a customer, someone who lost their husband and then went through a hurricane. I am hoping CFPB can help me get this resolved as I am losing sleep that I will not quality for anything with my score so adversely affected.
Product: Credit reporting or other personal consumer reports

I noticed some credit inquiries on all XXXX bureaus XXXX, trans union and XXXX  that i didn't authorize or initiate. i, m concern about how this might affect my credit score.here is a quick rundown : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. i take my personal information very seriously and i haven't applied to any of this credit recently or given anyone the permission to check my credit. please kindly remove the above mentioned lenders on my profile. thank you
Product: Debt collection

Account was closed and removed from my credit report In XX/XX/XXXX. Now it is being opened again stating it is owed beginning XX/XX/XXXX which is Not accurate.
Product: Student loan

I got a notice that from a credit bureau on XX/XX/2020 that my student loans were in a state of deferment. I called Navient on XX/XX/2020 and found out that they automatically put both my subsidized and unsubsidized loans in a state of deferment without my consent. The customer service rep tried to tell me I was " saving money ''. I asked why they didn't ask me, and she said it is automatic, and I would get a letter soon to say they did it. 

This action could have cost me increased interest and lengthened the loan I have without my consent. While they did
Product: Credit reporting or other personal consumer reports

I was advised by XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has illegally pulled my credit XXXX times since XXXX according to experian. 
XXXX XXXX 

this is a crime. there is ongoing litigation. stop. as i have written and demanded many times before. i have opted out of all credit products years ago. this is criminal. send the response to XXXX and cromwell. XXXX XXXX XXXX New York XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I currently have an investment account with Coinbase the leading cyrto exchange company out of XXXX XXXXXXXX XXXX. On XX/XX/2022 I received an email from Coinbase stating that I needed to update my identity profile by XX/XX/2022 or I was subject to being out of compliance with some federal regulations. I contacted Coinbase support group on XX/XX/2022 via a phone call to verify the email. I changed my password on XX/XX/2022 prior to this call. The agent from the support team was very difficult to understand so after 45 minutes or so of getting nowhere my account was locked until I could have my son help me with updating my identity profile. This was scheduled for XXXX XX/XX/2022 afternoon. 
On XX/XX/2022 I received another email from Coinbase stating the same information about being out of compliance and I had until XX/XX/2022 to fix the update. Since my account was to my understanding locked I waited until XXXX the XXXX to contact Coinbase 's support group to update the profile. We my son and I were able to successfully update the profile after about 60 minutes or so working with the Coinbase support group. I received an text from Coinbase late on XX/XX/2022 stating that the identity update was successful. I logged into my account that evening and found out my a large portion of my assets had been converted to a cash position and transfer to a bank account that I never heard of or authorized by me. I immediately contacted Coinbase 's support group who transferred me to their fraud group. I followed up on XX/XX/2022 with Coinbase 's support group and found out they were sorry but there is nothing they could do. The date of the theft was XX/XX/2022 the same day I received the first email stating I needed to update my identity profile. I never received any communications either by text, email or a phone call stating that an unknown device was entering my account or that my transfer bank name and location changed. As an custodian on a customer 's assets this is totally out of the norm in an age of hacking and cyber theft. I expect a total return of my assets from Coinbase based on the value the day of the theft or if appreciated the value the day of recovery. XXXX  that are using Coinbase need to be aware of how dangerously risky it is to leave their assets with a custodial company that does not secure their investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you aer damaging my reputation as a consumer.
Product: Checking or savings account

Yes I previously sent a complaint and would like it back opened bc the payments were not returned as I instructed to XXXX XXXX from Wells Fargo I did not ask for stop payment on XXXX payments
Product: Mortgage

In compliance with the CARES Act, and as a result of COVID-19 related financial hardship, I requested for the initial 180 days mortgage forebearance from my mortgage company Wells Fargo ( Account # XXXX ). Wells Fargo denied my 180 days forebearance request, and instead gave me a 90 days forbearance. I complaint ( Wells FARGO complaint case # XXXX ), and the complaint was investigated by XXXX XXXX XXXX, to whom I emailed on XX/XX/2020, a copy of the CFBP guideline addressing the question of the durational compliance with the CARES Act. On completion of their investigation, XXXX XXXX XXXX maintained that they will not provide me the requested initial 180 days forebearance, and will rather maintain the 90 days. I request that Wells Fargo be enjoined to strictly enforce the CARES Act initial 180 days as requested by me, and many officerd
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

Because I accidentally deposited a check from a legal entity that I am the owner/beneficiary of.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2022 i lost my wallet. I believe someone tried to do something with my personal info. Not so long ago I noticed a few inquiries that I dont approve and dont recognize. All of them were made on XX/XX/2022 ( XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ) So i want them to be removed from my credit report since they are not mine. Please remove them. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I sent a certified letter requesting that GM Financial provide me with specific information regarding a repossession. Under the laws of the State of Maryland UCC XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

My certified letters were a request that GM Financial provide copies of every legal notice and proof of the commercially reasonable manner of the resale of the subject vehicle. This is my right to ask by law. And if no such proof was provided within 14 days from receipt of this notice, the alleged claim of a deficiency is considered null and void, and any continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, failure to comply with the above requests, means that I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 

To date, GM Financial has failed to provide me with this information. Due to their failure to provide me this information, they have to remove this information from the ALL 3-credit report reporting bureaus immediately.
Product: Payday loan, title loan, or personal loan

My car loan was from XXXX with Capital One. I paid off my car loan in XXXX. However I must have not paid off the full amount ( I have never been provided with proof that they sent out letters to inform me the payoff amount was wrong ). If I had been sent a bill, I would have paid it off. My car was never repossessed. The car was totaled in XX/XX/XXXX. The insurance company, XXXX, informed me Capital One was claiming I owed money from XXXX. I contacted them in XX/XX/XXXX but was denied any verification that they sent out a request for payment. The representative said they do not keep records that far back. The amount was for XXXX and XXXX paid that amount on XX/XX/XXXX. I was told by the department supervisor as soon as the payment was made they would release the title. I feel I should not have to make a payment for an bill they can not produce but did not want to tie the insurance company trying to deal with another company. I called today, XX/XX/XXXX to see where the title was. I was then told that they do not keep records for longer than seven years and no longer have the title. I asked to speak to a supervisor and sent over to the presidents office for capital one. I spoke with XXXX ID # XXXX and she then lied to me and said the title was mailed to me in Arizona in XX/XX/XXXX. I did not live in AZ and they should not have an address for AZ and why did the supervisor tell me they could not send out the title in XX/XX/XXXX until the payment was made. XXXX then said she would research and try to get to the bottom of the account. I need the title. Capital One should not take money from an insurance claim on a loan that is almost XXXX years old. They also can not provide documentation on what the payment is for.
Product: Mortgage

I responded to the XXXX XXXX XXXX to make a XX/XX/XXXX mortgage payment, where I was informed by the teller that my mortgage account was closed, unbeknownst to me. 

I received a letter from XXXX XXXX XXXX indicating that they sold my loan to XXXX XXXX XXXX. During that week, I attempted numerous times to contact Carrington Mortgage ( No answered-awful ) so that I could make my mortgage for XX/XX/XXXX, however, the phone continued to ring with no answer the phone. This went on for about 4 days, where I was able to speak with someone. 

The teller informed me that their were not a debt collector. I asked her what happen and why was my mortgage transferred to them, when I was never late with my mortgage payments. The teller informed me that XXXX XXXX XXXX was not following the proper procedures with the loan. She informed me not to worry that I would receive a letter from XXXX XXXX   XXXX welcoming me to their company with a statement to pay my mortgage for the month of XX/XX/XXXX. In any event, she also informed me that if I wish to pay my mortgage I could it on-line. After several attempts to make my XX/XX/XXXX mortgage payment, I was finally successful in making my mortgage payment. 

However, XXXX XXXX XXXX continues to call me requesting my mortgage payment for XX/XX/XXXX. I informed them that I was sending the mortgage payment via mail ( which I prefer ) and asked them why were they calling me. They called me again with the same request, I informed that I sent in my mortgage payment. I explained that maybe due to the XXXX XXXX we just had. Moreover, they continue to harass me with phone calls about paying my mortgage. When their is a 16 day grace period, in which, I have to pay my mortgage. 

Since the Loan Modification with XXXX XXXX XXXX in XX/XX/XXXX, I haven't been late or failed to pay my mortgage payment. I don't understand why XXXX XXXX XXXX continues to harass me repeatedly for no reason. 

I am not late with my mortgage payment.