23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Back in XX/XX/year> I received a call from a telemarketer selling me a vacation discount service plan, over the phone it sounded great, however a day later I realized this was crazy and I did not want to be involved, I took all the accurate steps to cancel the membership in the time frame allocated followed the directions and emailed their cancelation letter as it stated to do. I have been trying to clear this off my credit report for 2 years now, I have sent proof of original emails, letters and communication to the collection agency and they still refuse to take action and remove this from my credit report. I have no collection accounts on my report except this and this is ruining my credit rating, which is not fair I did everything I was instructed to do back in XXXX  to cancel the membership in the allocated time but they still want me to pay for a service I never used.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} -- -- -- -- -XXXX  : XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00} XXXX XX/XX/year>2023 -- -- -- -- -TransUnion : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX  XXXX XXXX Balance Owed : {$720.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit reporting

I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
Product: Checking or savings account

under cares act this retirement account was allowed to be distributed and closed with no fees or penalties and the full amounts to be sent as soon i sent that in writing and filled out all their forms. depsite 19 emails they never sent any funds. being reported to DA, FTB and SEC for fraud.
Product: Credit card

I applied for a Capital One Secured Credit Card and paid {$1000.00} for the card. 

As I charged the card, I would make a payment. Im not sure why this was causing issues but initially they flagged my card and I had to go through an investigation. I told them I was simply paying the card of as I used it. They released to hold in the card but then just recently closed me account only citing that I was not using the card as agreed. Im not sure why paying the card off as I made charges and was violating any type of credit card agreement.
Product: Checking or savings account

Date of transaction :  XXXX   XXXX ,   XXXX   Amount : {$300.00} Actions : In response to this issue, I visited my branch of Chase bank  ( i n Texas ) for help. They notifi ed Mother 's  branch ( in Idah o ) that  she must show identification now. However, my branch says " known customer '' withdrawals without identification are legal.     Desired action from the bank : Restore the withdrawal.     Issue : Mother 's bank says she is a " known customer '', so they allowed her to withdraw without identification. However, they did not know that she had a  XXXX    XXXX   XXXX   XXXX  , and can absolutely not be a known customer, and that her grandson coerces her for money. We want the bank to restore the funds they allowed her to withdraw, because we believe identification is a security requirement that they allowed to slide.     Mother now lives in   XXXX   XXXX   XXXX   XXXX  , with the right to come and go. This means others may take her out for visits. Her grandson is a   XXXX   XXXX    XXXX  adult. He took her to the bank.     We thought her finances were safe because we ( sister and I ) have her identification, credit card, bank checks, etc. I 'm her financial power of attorney and have been added to her account. As a result of this withdrawal, I have learned about conservatorship and have requested an application.     Mother 's income is minimal. She receives Social Security and a small insurance annuity. Nearly all of her income goes to the   XXXX   XXXX   XXXX  , medication, and hospital costs. She can not afford this loss.
Product: Credit card

Aspire Mastercard has sent me multiple offers to apply for credit with them and to see if I prequalify, however despite the fact that I am extremely well qualified to take advantage of their products and services, have refused me credit and service multiple times. 

As evidence of my qualification and credit worthiness, I am able to provide credit scores, any and all information listed in conjunction with my personal credit profile, as well as emails and notifications sent by multiple credit reporting agencies which point out, compare, and praise my credit profile for having 1. ) a higher score than the majority of others with similar credit age and profile 2. ) a much lower use of available credit 3. ) a superior payment history, etc. 

I strongly feel that being denied credit by Aspire Mastercard is a perfect and obvious example of illegal and unscrupulous credit discrimination.
Product: Vehicle loan or lease

Dear BRIDGECREST Auto Loan Dept ; I was shocked today when I reviewed my credit report and saw a late payment reported for XXXX and XX/XX/XXXX ; XXXX, XXXX and XX/XX/XXXX showing a 30/60-day delay. I am unsure how this occurred, as I believe I made my payments on time when I received my statements. My only thoughts are that my monthly statement might not have reached me, or the payment may not have been processed promptly. Additionally, it could be related to when I opened a new deposit account, as my bank flagged suspicious activities, leading them to close and reopen the account. Thank you for your attention to this matter. Sincerely, XXXX
Product: Checking or savings account

We are unable to get any resolution from Chime Bank. We are concerned about identity theft and that we have been unable to get our stimulus checks issued in XXXX of last year. The IRS sent a letter in XXXX saying our checks were deposited in an account at Chime bank in our names. We have never had any relationship with Chime. The IRS will not send us our stimulus checks until they get the original checks back. Chime will not respond. 

Time line We received a notice from the IRS ( XX/XX/2021 ) saying our stimulus checks had been deposited in an account at XXXXChime Bank in Oklahoma. We are retired and living in Florida. We have never had any banking accounts in the state of Oklahoma. We contacted the IRS and they said the bank would probably return the checks if there was not an account and then they would send us our stimulus checks. 
My husband contacted XXXX bank who referred him to Chime Bank. Chime bank said the account number did not match theirs and checks were probably returned. 

The IRS will not send us our stimulus checks until the checks sent to Chime are returned. 

Continued efforts to communicate with Chime were fruitless and over several months I corresponded with more than XXXX individuals at the XXXX. Specific questions and information were requested. No actual contact was made available. Each individual that responded did not respond again when a reply was sent. Those contacted included Twice when requested I sent the ID information ( ID, Socials, picture, etc ). I got no response from first and later XXXX. 

Our complaint is with Chime and our inability to speak to whoever is responsible for identity theft and can determine whether checks in our name came to them and what is the information on the account number supplied by the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife took my credit card and put XXXX dollars on it without my knowledge.
Product: Debt collection

I am under a payment arrangement and they did not respect the agreement and thus damaged my credit history.
Product: Mortgage

We recently closed on a house and used Nexa for our mortgage. It came as a referral so we were excited to use them. 

Our closing got delayed and during that delay, we were told multiple times to not lock in our rate. 

I attached texts that outline the communication. On XX/XX/XXXX and XX/XX/XXXX at XXXX we were told to wait a few more days until it drops under XXXX. 

On Monday XX/XX/XXXX we were told it looks awfuland was now at XXXX, and we were told she was " def not locking at XXXX. '' We were told by XXXX XXXX that we could have locked in at any time with our mortgage broker XXXX XXXX, which is true, but when your broker specificallytells you they are not going to lock you in at a number, I find it hard that any buyer is going to push back. 

We were then told by XXXX that it was at XXXX and that it was not predicted to go lower. At that time we locked in with under a week until closing. 

We are now paying close to .5 % higher than we would have been if we were given the correct advice and don't feel great about it given Nexa'sfiduciary duties to their clients.
Product: Checking or savings account

On XX/XX/XXXX I reached out to Albert to dispute charges from a company XXXX. I also reached out to the company to notify them of fraudulent charges. Albert denied my dispute. The company did an internal investigation and did find fraud in the card use and attempted to refund the card on XX/XX/XXXX. Albert denied the refunds. I then sent 2 pieces of evidence to Albert to reopen the dispute. These disputes were again denied and Albert asked I reach out to the merchant to refund a new card. The company sent me an email stating they could not refund a card not affiliated with an account and because I did not have an account the bank would need to take the proper procedures to help refund my money. Albert again denied this claim. On XX/XX/XXXX an email was forwarded to Albert from XXXX asking Albert to attempt chargebacks or dispute accordingly. The email went ignored by Albert. On XX/XX/XXXX I sent the exact same email via text to Albert and at this point Albert acknowledged and have claimed to attempt chargebacks. As of XX/XX/XXXX Albert will not credit my account and according to Pulsz Albert has not attempted any chargebacks. Albert has consistently shown negligence, is EXTREMELY slow to respond, does not give evidence to support their claims, and is in violation of multiple FDIC guidelines. I am asking my funds be returned to me right away and Albert be held accountable for their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I received a letter stating an account had been open with my social security number in XXXX. I had been in the hospital all through XXXX until XX/XX/XXXX. The accounts continued all throughout XXXX and continued to receive letters every month. My name, social security, old home address and new home address where used. All the accounts showing on my credit report do no belong to me. Please remove the items. 

XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX/XXXX  XXXX {$3500.00} XXXX  XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$17000.00} US DEPT OF ED/XXXX/XXXX XXXX {$4800.00} US DEPT OF ED/XXXX  XXXX {$4700.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX {$420.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$420.00}
Product: Checking or savings account

I am trying to close my XXXX 's trust account at Wells Fargo. I have spent over twenty five hours and mutiple appointments trying to complete this process. I have had appointments at Wells Fargo XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filled out mutiple forms that were notarized and given excuses and reason why the account could not be closed each time with promises to call me. They never call I always have to go see them in person. This is an insane process to close an account that most Americans would not be able to handle. Wells Fargo is taking advantage of my time and patience to close this account. I see no reason for them not to close this account for the beneficaries of my XXXX XXXX trust except to earn interest of the interest free checking account. Please make them explain how normal Americans would deal with the process I have been put through.
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/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This account is a bus operator fraudulent and a victim of identity theft and Im calling American Express and they keep calling me and they dont help me to remove this account from my credit. 

AMERICAN EXPRESS Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Closed. {$200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$1000.00} Credit Limit {$1100.00} Highest Balance NA Terms {$1100.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX OK XXXX OK XXXX OK XXXX OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Comment Account closed at credit grantor 's request. 

Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
1. XXXX account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX 4. XXXX Account # XXXX 5. XXXX, Account # XXXX 6. XXXX XXXX, Account # XXXX 7. XXXX XXXX, Account XXXX 8. XXXX XXXX, Account # XXXX 9. XXXX XXXX, Account # XXXX 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: Credit reporting or other personal consumer reports

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. 

XXXX, XXXX # XXXX date XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  ( original Creditor ) # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Mortgage

XX/XX/2016 I decided to switch my homeowners insurance to XXXX XXXX. but after a couple of days literally I decided to stay with my old one because I found out that XXXX was higher. I notified nation star mortgage I told them I would mail the Insurance check back to them, which I did. My complaint is that I mailed the check back to them with a letter followed by XXXX phone calls stating to please put it back in my escrow account. When I called they told me it was in my account. When I called in XX/XX/XXXX my mortage payment had increased from XXXX to XXXX. I was very angry. They told me that they paid for XX/XX/XXXX and XX/XX/XXXX mortgage, I asked them Why? I had already paid it! look on your records '' They had taken the escrow check and used it for XXXX payments when they did not have too. When I asked them Why was n't I notified the gentleman told me he did have to it is called Hierarchy '' I told him that 's crazy and I am not stupid! I had to call up to the corporate office 3 months later to get my money put into my escrow. then it went down to XXXX and I called and asked why is it still high? they told me that I had to request a market analysis done..which is still high XXXX. My complaint is that I did have a decent credit score until this happen now my mortgage has a series of late payments which is due to their neglect and their ability to not put my money in my escrow account, along with the fact that they lied over and over telling me it was put in their and then not notifying me about the increase. 
when it was not and then telling me about the nonsense of " hierarchy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My credit report as well
Product: Debt collection

XXXX 2015. got a call from a law firm saying that I owed XXXX in back debt on a card from Providian bank, that I have never heard of nor ever applied for and they say that they are filling a bank levey to collect, called this number XXXX and the women did n't want to supply any paper work or anything else, in support of this matter? and said it was sent to me several times, which I have never gotten anything. I will not pay for a bogas account, I will fight this, I know these people are scamers
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle lease from XXXX in XXXX. In XX/XX/XXXX, I was in a motor vehicle accident and the vehicle was totaled out. I did not owe a balance on the vehicle. XXXX has yet to remove this from my credit.
Product: Mortgage

I sold my home in Florida on XX/XX/XXXX. After closing, I was due a refund in excess of {$2000.00} from my Mortgage lender, Caliber Home Loans. After not receiving the refund check by mail by XX/XX/XXXX, I called Caliber Home Loans and they informed me that my refund check was sent to the property I sold on XX/XX/XXXX and not to my forwarding address. I called the new homeowners of the property and they insisted nothing was ever sent addressed to me from Caliber Home Loans and have forwarded all mail received in my name in which none were a refund check. Either way, I gave XXXX my new address and was informed a new refund check will be issued and sent to my forwarding address and it should be received within XXXX weeks. After again not receiving a check by XX/XX/XXXX, I called Caliber Home Loans again and was told the new check request was never actually submitted. The XXXX representative told me she would fix the issue and submit the request for a new refund check and that unfortunately it will still be XXXX weeks before I received the check. It is now XX/XX/XXXX and XXXX weeks from that conversation and no check has been received. I called Caliber Home Loans again and was this time informed that for some reason, the request for a refund was closed out so a new request would have to be submitted and of course, we start the XXXX week process all over again just to call again in XXXX weeks and probably be informed of another issue with my refund. Caliber Home Loans has been awful to work with and its been almost XXXX  months since I sold my home with no escrow refund being received.
Product: Debt collection

I received a letter from this company stating they are going to suspend my license for non-payment and I have been paying on this account for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX  XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$900.00} XX/XX/XXXX
Product: Checking or savings account

Hi, Acc. Num. XXXX, Ive created this account in XXXX in CITI XXXX XXXX. 
The bank staff input my cellphone as a wrong number which last 4 number as XXXX, not as my correct one as XXXX XXXX 
I just give it in written and the bank staff do it without any double-chk or SMS validation, so I took 1hr+ to contact the customer svc, XXXX told me that required XXXX to update, it is such unacceptable!
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 loss funds was impossible in tracking these transitions was unfeasible the CFPBs findings indicate that XXXX has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving userss vulnerable to scam.
Product: Mortgage

XX/XX/XXXX I made a phone call to complain about the mortgage company running my credit without my person. I was connected to a manager as I was made to understand. 

I started to explain my issue to the " manager '' but they kept interrupting me ... at one point when I told them the issue I have heard with my credit because of the multiple inquiries he said " Because your credit is really low? '' after they made the comment they said I was difficult to help and hanged up. 

That statement was hurtful and made me feel discriminated based on my credit and my origin because I happen to have an accent.