23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My lawyers have been trying to close this short sale for months now. In XXXX of 2025, they sent in the full package for the short sale. On the XXXX, my lender, US Bank, informed them that they had to resend the settlement statment as it was not legible. On the XXXX, my lawyers sent it again. For the past month, my lawyers have been calling US Bank for updates on the document review, however, each time they call an agent from US Bank has told them that they do not need anything else and that the documents are still under review. However, an agent informed my lawyers today that they have needed a legible copy of the HUD since XX/XX/XXXX. Essentially, the lender has lied to my legal team, telling them for the past month that they didn't need anything when in reality they did. They wasted a month of time, which is precious to me as my property is in active foreclosure! My team couldn't do anything, this is fully on the bank. Attached is the HUD... WHICH IS LEGIBLE! The HUD is easily legible, and the fact that the bank is delaying my sale because something that can be read apparently cant be is infuriating. They should not be allowed to do this! Please see attached documents ... and confirm : Is it legible?
Product: Money transfer, virtual currency, or money service

I am concerned regarding Zelle 's handling of disputes, paticularly in light of the recent CFPB lawsuit. i have used Zelle numerous of times and noticing XXXX parties contacting me and information being shared from the Zelle platform. Zelle and wells fargo have failed to investigate my claims adequately. With getting several request through Zelle, that i dont know when funds were released, they informed me that recovering lost funds was impossible or tracking the transactions wasn't feasible.The CFPBs finding indicate that Zell has not only neglated to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Some one hacked in to my Experian on line account with his/her recovery email and telephone number. I am not able to recover my www.experian.com on line account. 

I need to recover my www.experian.com on line account with my own email address : XXXX and cell phone number - XXXX. I need Experian to update this information from their web site. 

I want to manage my Experian account by myself. I called Experian with this phone number - XXXX many times since XXXX. I tried to log in to my Experian account, however, my Experian account was hacked in and recovery email was sent to the email that hacker created. I have not been able to recover my Experian account yet. I mailed letter to Experian this XXXX with letter and my copy of drive license and utility bill ( this is the address I mailed to Experian - XXXX XXXX XXXX, XXXX, TX XXXX XXXX I asked Experian to recover my on line log in account, However, no any reply from Experian at all. 

Experian is putting my credit on high risk by not responding consumer 's request to recover account. I want Experian to response for any Finanancial loss due to not able to recover my on line log in account. 

I submitted this compliant to request Consumer Financial protection Bureau to help to contact Experian to help me solving these issues.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a wire transfer of {$100000.00} from my savings account at XXXX XXXX XXXXXXXX to my savings account at JP Morgan Chase. On XX/XX/year>, I received notification from XXXX marking the transfer as completed. They have deducted the money from my account and said that the money has been sent to the recipient bank. 

On XX/XX/year>, I double checked and found that my savings account at Chase did not receive the money. 

I then called Chase customer service. The agent who answered my call insisted that no such transaction was made and that Chase does not have my money. They asked me to contact XXXX  for more information or to open a claim. 

I contacted XXXX as advised, but their customer service agent insisted that the bank has sent the money to Chase, and Chase has flagged this transaction as possible fraud activity despite the fact that I was sending money to myself. So they told me to get the transferred amount, I must contact Chase and ask them to release the money to my account. 

I contacted Chase again. The agent denied they have any such ability to release any fund to my account, again claiming that they do not see the transaction. Then they transferred me to another department, who proceeded to verify my identity, but told me they could not complete the required verification and I must seek help elsewhere.
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX ( Dates are incorrect and comments ) XXXX. XXXX student loans ( dates, comments, months and amounts ) XXXX. XXXX XXXX ( dates and months are wrong ) XXXX. XXXX ( dates, amounts, comments ) XXXX. XXXX  ( dates and amount are wrong ) XXXX. XXXX  ( dates and comments ) XXXX. XXXX XXXX ( Dates and comments ) XXXX. XXXX ( dont recognize the account ) XXXX. XXXX XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX  XXXX ( account numbers, dates, amounts, comments ) XXXXXXXX XXXX ( dates, amounts, comments ) XXXX. XXXX XXXX ( Dates, comments, amounts ) XXXX. XXXX XXXX XXXX ( Dates, amounts, comments ) XXXX. XXXX ( amounts, dates, comments, ) XXXX. XXXX XXXX ( dont know anything about this account ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ( Comments, dates, terms ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Never opened an account ) XXXX. XXXX XXXX  ( XXXX know anything about this account ) XXXX. XXXX ( incorrect information ) XXXX. XXXX XXXX ( dates, comments, amounts ) XXXX. XXXX XXXX ( different account numbers, dates, comments ) INQUIRIES : 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 These accoounts, dates, amounts and comments are wrong some accounts have different amounts. A couples of accounts I do not recognize. I have ask for an investigation since XX/XX/XXXXXXXX  and nothing has been resolved.
Product: Debt collection

CCB has placed a HARD inquiry on my Credit Report. I do not have any accounts with this company nor have I authorized them to run my credit and lower my score. I found this inquiry today on XX/XX/2019 on my birthday that this company had inserted itself on my credit. They have no permissible purpose in placing this hard inquiry. I am represented by an attorney do not call me communicate in writing only with my attorney. Furthermore I am retired combat disabled USMC.
Product: Checking or savings account

Tried to login to my account a few days ago, says my info was wrong. Tried to reset my password and it said " your account has been locked. '' That's odd. 

I called the XXXX number and spoke to a gentleman and he must have been reading a lot as it took him a while to figure out what was wrong or why my account was locked. He then said that he can not tell me why and can not help me. Then said that I needed to visit a branch in person. Why? He wouldn't say. 

I have had umpteen problems with XXXX freezing accounts, freezing XXXX payments, holding deposits, causing tons of problems for me. I do not keep any wealth with this bank for those reasons and have refused to pay their savings fees ; maybe thats why? 

Why does the website say call this number, then when you do they say " I can not help you. '' Full disclosure is I do not care about this account. I don't need to use it at all. I will never trust XXXX with any of my wealth ever given their history. My autopay for my cell bill was setup through them so unfortunately I had to use them monthly to transact that bill. 

To this day I have never received a phone call from XXXX, no letters from XXXX, the customer service rep can't tell me why my account is " locked '' and I can not access my bank account. This behavior by XXXX is immensely scary.
Product: Payday loan, title loan, or personal loan

I opened a dispute against Affirm, regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the Gramm Leach Bliley Act disclosure, as necessary by Federal Law.
Product: Debt collection

Debt has been sold without notifying me. This is violation of my privacy.
Product: Debt collection

This is a complaint against Shellpoint /Newrez who has levied a 30 day late notice in error, which has adversely affected my credit rating. 

I received a notice that a late charge was being posted to my account. I called on XX/XX/XXXX to inquire about the notice. I was told that they had made a mistake and would waive the late fee and late notice. They did waive the late fee but did not remove the late notice. They proceeded to report me 30 days late to the credit agencies. This was a 30 year mortgage which I paid off in 15 years with no late payments. I had made several attempts to resolve the issue. The phone agents all acknowledged the error and submitted complaints to resolve. 

Please refer to attachments : XXXX statement ( XXXX XXXX ) shows no amount due. This was not unusual as I had been making extra payments and had received many other no amount due statements previously. The XXXX statement ( nr XXXX ) shows a payment amount due which I paid immediately. The XXXX statement ( nr XXXX ) shows no payment due and no late fees posted year to date. NewRez loan history attachment shows the late charge posted ( XX/XX/XXXX, due XX/XX/XXXX ) and waived XX/XX/XXXX ( after my phone call ). I payed the loan off XX/XX/XXXX ( paid in full eff XXXX ) on a balance that was less than a regular monthly payment. 

It is clear there were no late payments. I am requesting the late payment notice be removed from my credit reports. I appreciate any help in resolving this issue.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. They have opened up another fraudulent collection attempt for a different amount. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me.
Product: Credit card or prepaid card

This issue began with an offer to transfer a balance at a promotional rate of 0 % APR in early XXXX. At that time I submitted a transfer request to XXXX for {$1300.00} and to XXXX for {$1100.00}. In doing so I inadvertently put the incorrect account number on the XXXX transfer request. I contacted HSBC within 24 hours of the request and was told the XXXX bank would reject the payment as no account found and the charge would be credited to back to my account. 

As of today ( XX/XX/2020, I have multiple attempts to resolve the issue with HSBC remains unresolved. XXXX still has not received the funds or posted it to my balance in the amount of {$1100.00} and the charge remains on my HSBC account. In addition HSBC completed a second unauthorized balance transfer of XXXX to XXXX without my knowledge or consent to do so. The {$150.00} was rejected as no account found by XXXX and HSBC credited back that charge so I am not concerned about this transaction ( it took about 5 weeks which seemed long but was within the timeframe I was explained. 

As of today XXXX has received the {$1300.00} and no other transfer payments, XXXX has posted {$0.00} in funds received by HSBC to my account, and the charges still remain on my HSBC charge account. 

Of the many times I spoke with HSBC I managed to have two ( of the dozens of people I spoke with ) submit an investigation into this issue. Approximately three weeks later I received a correspondence from HSBC ( two separate times ). In the corresponding letter HSBC stated they are closing the investigation as payment received by the intended party and included a copy of a check sent to XXXX ( check XXXX ) for {$1300.00}. This charge is not in dispute, I have told them several times XXXX received the XXXX and has posted it to my account. It is the charge for {$1100.00} and {$120.00} they claim was sent to XXXX that has not posted to anything. 

I have had several representatives of HSBC tell me they submit payments to XXXX electronically and once they send the funds they have no way to track the payments once submitted. They further informed me once they submit the payment they consider their job complete and if the payment is lost after leaving their custody its an unfortunate problem they can do nothing about and I am expecting to honor my commitment to them. Basically they want to to pay off a debt I received XXXX benefit from incurring. To add insult to injury when the {$120.00} payment I never authorized was rejected by XXXX they sent be a letter including a copy of a physical check they sent to XXXX stating the {$120.00} charge was removed from from my HSBC account.
Product: Checking or savings account

I recently received a business loan deposit in my Empower Finance checking account on XX/XX/2021. The total amount of the deposit was {$11000.00}. Upon receiving that deposit, I was able to use those funds until I received an email from Empower explaining that my account was locked and the instructions Ill need to follow to get it unlocked. I have completed all identity verifications, proof of business, tax documents, and loan approval documents and they have yet to make any movements on my account. I have called numerous times and everytime Im rushed off the phone, I send several emails daily that dont get answered and Im honestly just very frustrated with this bank. I have read their reviews on the app store, online, and social media platforms and all of their consumers have said the same thing! This company is very unprofessional and suspicious. I would really just like to remove my funds from my account and close it entirely. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously disputed this account XXXX Acct # XXXX and they are in violation for on multiple reasonings. According to 15 USC 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXXXXXX XXXX, local time at the consumers location ;. They have called my number numerous times consistently back to back while I have been either at work or resting for work which has interrupted my rest which ultimately affected my work production. I did not give them permission to contact me nor furnish any data on my report and they are in violation in which I will and am entitled to get {$1000.00} per violation. I have evidence below with the calls they have done and some in the past as well
Product: Credit reporting or other personal consumer reports

Experian i have reported your company to XXXX XXXX Attorney Generals Office of Texas for reporting inaccurate information on my credit report. XXXX XXXX has all documents proving that this account was never reported as a collection/Charge off. When I had this loan with XXXX XXXX XXXX all my payments were made on time. Your in violation for reporting inaccurate information on my report for over 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted dispute to XXXX Credit report Agency, 2 weeks later no conclusion? 
their report has wrong information on a 10 year old credit card account from XXXXXXXX XXXX. both XXXX and XXXX have the same account closed in XXXX  XXXX. here in Oklahoma, debt based on written contracts have a limitation period of 5 years ( O.S. 95 ( 1 ) ), while oral contracts may only be collected upon for up to 3 years ( O.S. 95 ( 2 ) ). Attachment, or the legal seizure of property or a person, has a statute of limitation of 5 years ( O.S. 95 ( 5 ) ). 

this account is reaching 7.5 years old 2.5 years past the prescriptive date of the legal limitations?
Product: Checking or savings account

I created a business profile on Venmo and tried to transfer money from my main account to my business account. I accidentally tried to send it though the payment option and they declined the transaction and froze my account. Ive tried to get an answer to why and how I can unfreeze it and they have been no help. I have over {$5500.00} sitting in the account I cant access. Mind you I have to pay rent and Im unable to, which could lead to an eviction.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by ALLY FINANCIAL on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain collections and charge-offs reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. Specifically, I believe the following accounts are being reported inaccurately and require immediate investigation : 1. **Account Name/Number : ** XXXX XXXX XXXX XXXX : ** XXXX XXXX 2. **Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX*Creditor : ** XXXX XXXX 3. **Account Name/Number** XXXX XXXX XXXX XXXX **Creditor : ** XXXX 4. **Account Name/Number** XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 5. **Account Name/Number** XXXX XXXX XXXX XXXX Under Section 611 of the FCRA ( 15 USC 1681i ), I am entitled to have these disputed items investigated and corrected or deleted if found to be inaccurate or unverifiable. 

In addition, under the FCRA, I am requesting the **Record of Assignment** for each of these accounts. This includes any documentation or agreements showing the transfer or sale of the debt to the current creditor or collection agency. If no record of assignment exists, I request that these items be removed from my credit report as they can not be legally verified. 

Please find enclosed the following documents to support my dispute : - A copy of my identification [ e.g., driver 's license, passport ]. 

I request that you : 1. Investigate the disputed accounts and correct or delete any inaccurate information. 
2. Provide me with the record of assignment for each of the disputed accounts.

3. Update my credit report to reflect any corrections made.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to provide the requested information or correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Self financial had a breach of security to where my personal information has been released to the dark web. I was never notified and they locked my card without reissue of a new one. Thus company continued to draft monthly payments from my checking account. I have been under to use this card to assists in my credit building due to thier actions. I called and spoke to a representative who was automated. Which did not fix the problem. I spoke to three live representatives and they mislead me in telling me my card was not locked when it was. Can someone please help. My personal information has been exposed due to thirr data breach which they inevertanlly locked my card secretly and did not notify me of this.
Product: Credit reporting or other personal consumer reports

I have not worked since XXXXXXXX XXXX XXXX  I havent applied for anything cause XXXX dont have any income to pay for these things. I need the inquiries removed. I came off work cause I am now XXXX
Product: Debt collection

Requested the details regarding the charge and no information has been received from these people ; yet the letters continue even though debts are no longer a part of my credit history. Illegal collection practices in play here. Former collections manager that is able to spot violations of FDCPA when he sees it. 

They are looking to collect on debt that was removed from the credit bureaus during the purchase of my home back in XXXX of 2015. The removal was due to the debts being deemed by the credit bureaus as " Too old to collect '' as the accounts are over 10 years old. They may be " debt buyers '' that are looking to utilize illegal collection tactics. The new collection agency tactics is to try an establish contact with proposed debtors in order to reactivate the debt and establish collection techniques all over again. I have asked them to substantiate the debt which they are unable to do but again the letters continue to arrive at my home ( harassment strategy ) even after dispute notice was faxed to them back on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX Reference 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 an account without my written instructions.