23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/16, I called bank of America to change my platinum plus rewards card to a travel rewards card. The rep that I spoke with said that I had to open a travel rewards card and transfer the credit line from the old account to the travel rewards account once I got the card. The rep explained to me that the bank viewed my account as a whole credit line and not as separate accounts. The rep said that when I got the travel rewards card that my account credit line would be slightly reduced by the amount of the credit line that they gave me on the new card. but, he stated that once I received my new card, I could call in and have the entire credit line moved from the old account to the new account and I could close my old account. 

On XX/XX/XXXX I received my new card and proceeded to call Bank of America to transfer my credit line but was told by the rep that I was unable to do that and that I could only do it once my balance was paid off or paid down enough to transfer the amount due. I told the rep that that was not what I was told when I opened the account. So I spoke with her manager, XXXX and she said that she could n't do it as well. But she did open a case XXXX and said that she escalated my problem and that they would investigate it and give me a reply by next week. I told her that I believed that her bank committed fraud by promising one thing and not delivering once I opened the new account. I told the manager I would file a complaint with the ftc.
Product: Credit reporting or other personal consumer reports

The item on my credit report is not my account, it belongs to someone else. This identity theft. I have mail certified documents to XXXX supporting documents telling them this isn't my account. They fail to remove this account from m credit report. Acct : JPMCB Card is fraudulent account. I am requesting this account to be deleted from my credit report XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

I have disputed an unauthorized charge with my credit card company multiple times, and the dispute has been denied. 

The charge in question is dated XX/XX/2020, in the amount of {$1900.00}, to XXXX XXXX XXXX XXXX XXXX. 

As I previously reported when I initially disputed this charge, I did not make this charge and did not authorize anyone else to use my card or make this charge. Additionally, the referenced vendor is unknown to me, and I did not receive any benefit as a result of the charge. 

I received a text message alert concerning the charge, while at work, on the day of the charge in question. When I contacted my credit card company, I was informed that I could not dispute the charge until it had posted to the account. After the charge posted, I promptly disputed it. Following a period of presumed investigation, my dispute was summarily denied. 

The credit card company explained that because the card is EMV chip enabled, there exists no other explanation than that I or someone with my authorization was present and made the transaction using a chip card reader. I have not been able to review the records the credit card company interprets to indicate this, but I do have my own evidence and testimony to demonstrate that the card was not used by me or any other authorized party.
Product: Checking or savings account

I made a atm deposit on the XXXX to my checking acct # XXXX chase bank. 

The atm took my money and while counting it stopped working. 

I contacted the bank via the number the atm provided on the screen and they made a report. 

However after XXXX weeks they say they found nothing with os totally false and incorrect. 

I need help please.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX accounts XXXX, XXXX and Equifax 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. 15 U.S.C 168c. ( a ) ( 5 ) Section States : No consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 2 A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am a victim of Identity theft accounts below do not belong to me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We put the house for sale. 
We received from Shellpoint the Payoff amount. 
We are disputing this Payoff amount. 
We are disputing the DEFERRED PRINCIPAL of : {>= $1,000,000} We do not have any record of this Deferred Principal. 
Please Validate and Verify this debt in compliance with CFPB Regulation F, 1692 G Should this debt be a part of a past Loan Modification, provide the details and the records of the Terms of that Loan Modification to Validate and Verify this Debt.
Product: Checking or savings account

To : Consumer Financial Protection Bureau ( CFPB ) XX/XX/XXXX On XX/XX/XXXX, I wrote a check to the Indiana XXXX XXXX XXXX XXXX. The check number was XXXX. My bank, Flagstar Bank, processed this check and withdrew the funds from my account on XX/XX/XXXX. The back of this check shows it was deposited XX/XX/XXXX into their bank. 
On XX/XX/XXXX, I went to my branch bank to find out why they accepted a stale check over a year old. The banker I spoke to wasnt sure what could be done. She suggested I contact the payee. I didnt think that was appropriate, given the type of office it is. She said someone will contact me with more information. A few days later, I received a letter dated XX/XX/XXXX. It stated We are writing to follow up on a claim we received regarding a check that was incorrectly presented for payment against your above-referenced account. It further states To correct this error, we have CREDITED your account in the amount of {$100.00}. 
On XX/XX/XXXX, I looked at my checking account detail online and saw on XX/XX/XXXX the bank deposited {$100.00} into my account. It also showed on XX/XX/XXXX the bank reversed the {$100.00}. 
So, on XX/XX/XXXX I called the XXXX number from the letter I received. I explained my situation. She suggested I contact the other bank and see what their policy was on cashing a stale check. I did not see the other banks name on the reversed side of the check. I ask her for the name of the other bank and see didnt know. Finally, the person said I would get a letter explaining their position. I wanted more information than what I received. I called again and talked to a supervisor. After listening to my situation, she said I would have to go to the payee to get my money back on the check that was over a year old or I could find out what the other banks policy was on cashing a stale check. She also couldnt tell me the name of the other bank. 
I did find out Flagstar Bank deems a check stale after six months and a stop payment fee is {$30.00}. I think my bank should reimburse me for the {$100.00}. I consider this a banking error. I have the supporting documents, if needed. 
After a little research on the internet, it looks like banks can do whatever they want without regard to their customers expectations. This is not a banking service, its a disservice. I believe Flagstar Bank is a diversified commercial bank and is a national bank. 
It seems to me that banks would check certain data fields on income transactions from other financial institutions before they accept them. How hard would it be to accept only checks within a current six-month window? What can be done to fix this situation? Shouldnt there be some regulation to help consumers? I would like a response if something could be done about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1 XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me. It hasn't being authorized by me and it has to be removed. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, a credit card was approved by Barclays Wyndham Rewards in the amount of {$11000.00}. I never applied for this card. I have not stayed at a Wyndham hotel in almost 4 years. 
When I got through to the Security department at Barclays, I was asked for my mothers maiden name as my security question. The name on their record was not my mothers name. They said that someone had opened the card in my name and that, currently, there were no charges to the account. They were cancelling the card immediately. 
I have had a credit freeze on my account with XXXX but Barclays uses XXXX. When I checked XXXX, they had shown a hard inquiry from Barclays on XX/XX/2023. 
I have notified XXXX and they put a Fraud Alert on my account and will notify the other credit reporting agencies to place the same fraud alert. 
Please note that Barclays and Wyndham Resorts have been involved in a fraud scheme for years with opening credit card accounts without approval. My son, whose name is the same as my husband and has never lived at my current address, stayed at XXXX XXXXXXXX the week my card was approved. Coincidence? I think not!
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 law suit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these funds was unfeasible. The CFPB 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 in unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report reporting accounts I did not open
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my local federal courts regarding the Chapter XXXX and they told me they do not verify anything to any third party entities. Experian has failed to send me any written tangible evidence that they legally verified the bankruptcy.
Product: Credit reporting or other personal consumer reports

The reporting agency did not follow the rules to remove adverse information due to XXXX XXXX from my report. Although I provided all the required documents. Additional documents were requested because they said my self attestation letter that was provided as the determination could not be verified although it contains the signature of an approved agencies case worker. The rules state that A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

1022.142 ( e ) ( 1 ) Notification to consumer and attempt to resolve deficiencies A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing.

Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item information resulted from a severe form of XXXX  in persons or XXXX XXXX under the Rule.

Final determination and authority to decline or rescind a block A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission.

A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block.

A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information.

A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers XXXX documentation submission.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX XXXX : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing two accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020, my wife and I opened a business account with Navy Federal Credit Union. At that time we where told that we could apply for an SBA Paycheck Protection Program for Covid-19. We just received a message from the bank that we don't qualify for this loan since we did not have an account with them before XX/XX/2020. This was very misleading on behalf of Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have an issue with Chase Bank starting from XX/XX/XXXX which I had reported before but I am still receiving emails from them to my XXXX account. 

Someone opened an account in XXXX around XXXX in my name randomly. I never went to file a police report because I ended up homeless and losing my job. I have never banned with chase bank ever in my life and been a XXXX  XXXX XXXX customer for years now. 

I was living in XXXX, XXXX for XXXX years but I relocated to XXXX, XXXX  in XXXX XXXX this year. I relocated to a different state but now I am still getting emails from Chase Bank with the most recent one dating back to XX/XX/XXXX. I just can not believe this account is still opened with my information, the customer service team I spoke with last year was really unhelpful to close it. 

My personal information has been on a credit freeze for a long time now since last year because of the situation. I can not even see the balance, any transactions, or login into the chase account. I asked chase to provide me the account number but they refused to give me anything. I remember calling where someone told me that it was duplicate accounts under my name but they were all closed. 

Please closed this account because I have not used this account at all and its simply not mines.
Product: Credit reporting or other personal consumer reports

I have not authorized or participated in any transaction that would have led to this inquiries, and I request that they be removed and blocked from my credit report. 

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

Beginning XXXX XXXX I have received calls daily until XXXX XXXX today, XXXX XXXX. The calls are from phone number XXXX, Sequium Asset Solutions. I am not the person they are trying to contact. I have spoken to them twice to confirm this and they confirmed I am not the person they are attempting to contact. I was told by both employees that my number would be removed from their contact list. It has not been removed. My next step is to contact an attorney.
Product: Credit card or prepaid card

Im XXXX I cancelled flights from air XXXX. I received email confirmation from XXXX XXXX that I would receive full refund for flights and seats by email. After 60 days I disputed the charge of the flights with chase which I won. Then 5 days later I called back realizing I didnt dispute the seat charges. I was told by the rep that she wouldnt take the dispute since XXXX XXXX was voluntarily crediting those seat charges. Come to find out a few days later chase took those credits and erroneously applied it to the flight dispute. I have called them 8 times, faxed in proof that the credits they took back were truly mine and been told twice no further documentation is needed. Then I received a decline notice because there was a form not filled out sitting in my online banking forms section that neither rep told me about when I called in. So I filled it out immediately/-same questions Ive answered several times and outlined in my fax I sent in. Still no resolution. I have XXXX credit score and dont want their incompetence affecting my score. Ive spent 10 plus hours dealing with their dispute center where they never offer any assistance. They have broken every reg e requirement goingrefusing to take my dispute and leaving this case open for months with no resolution. Absolutely the worst treatment Ive received. The credits I received from XXXX XXXX exactly matched the charges so not sure how they could even take those and apply them to a different dispute of different amounts. This should of been simple for them to see the error and credit their client quickly and easily.
Product: Credit reporting or other personal consumer reports

This person was a roommate stole all my information open up all these accounts without my knowledge. All the accounts below are fraud and the person i listed in the police report stole my identity PLEASE REMOVE THESE FROM MY FILE PER THE FAIR CREDIT REPORTING ACT THE SUSPECT WHO STOLE MY IDENTITY IS XXXX XXXX WHO IS CURRENTLY IN FLORIDA STATE PRISON SYSTEM I HAVE MADE A POLICE REPORT AS WELL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been reported by Credit Collection Services for over two years ( XX/XX/XXXX ), I sent a letter by certified mail on XX/XX/XXXX, in order to obtain information of this report as the information reported is inaccurate. I spoke with a representative over the phone, they told me they received my letter on XX/XX/XXXX, but the account was closed on XX/XX/XXXX, that was the reason they have not replied to my letter.
Product: Credit reporting or other personal consumer reports

Experian trans union and equafx all allowed a company called XXXX XXXX report on my credit report without any proof of contract of me doing business with them. They illegally obtained my information without my consent i demand they stop reporting on my credit. They are damaging me and my children lives by reporting fraudulent information. The account on file is XXXX XXXX XXXX. I do not and never had a account with them please remove it please.
Product: Mortgage

I am working with XXXX XXXX I was told to pay wells Fargo for an appraisal for my lot, it was appraised at XXXX. I signed documents to sell half of it and negotiated XXXX but in order to get the split approved to sell half of my lot Wells Fargo said FHA WANTS all of the XXXX to split the lot. 

Why? in most cases I was informed that XXXX was the pay-down requirement. why is wells Fargo saying FHA demands 100 % of the proceeds to pay-down the mortgage. I understood that XXXX to was the normal pay-down I believe that only 10k should be required as a pay-down since the lot is only valued at 10k and I should be allowed to keep the rest and pay off my personal debt or I will have to foreclose my entire property. 

I need to get FHA to approve the lot split of {$10000.00} not the entire sell or I will only sell it for XXXX because I believe this is a form of discrimination. I have had major difficulty paying my mortgage and I need to pay off debt that is independent of my mortgage, if I am not able to pay off other personal debt and all of the proceeds need to go to the mortgage I will continue to have this other independent debt. 

I have a XXXX student loan I need to pay it off and not just put all the proceeds in XXXX bucket. Who can help me fight this with FHA. 

Paying the mortgage down is unfair if I am required to use the entire proceed. I have recently requested a modification and if I am able to keep 50 % of the proceeds then I can pay my mortgage and the student loan and other debt and still pay down XXXX of the loan. I believe {$10000.00} is fair. 

For FHA to demand the entire amount is UNFAIR AND UNJUSTIFIABLE when compared to the APPRAISAL AND THEREFORE I FIND IT DISCRIMINATORY. 

XXXX told me I can file a complaint. Where do I file this complaint and what is the process? 

{$270000.00} mortgage limits in Michigan FHA