23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In   XXXX   XXXX   XXXX     I refinanced my home with Nationstar mortgage  ( See  attached loan closure document ) to lower my payments from {$2600.00}. At this time I had an escrow account balance of {$10000.00} which was to be transferred over to the new loan. After the refinance my mortgage payments were to be {$2200.00}  XXXX   XXXX   XXXX    XXXX   statement ). I made these payments for  XXXX ,  XXXX , and  XXXX .     In  XXXX  I received a letter that my  XXXX  payment had not been received. I called to inquire as to what happened as my bank account had been debited. I was told that I had an escrow shortage of approximately of {$9500.00} which was due to them having to pay my taxes and me not having enough money in my escrow account to cover the costs and that my new payment was {$3000.00}. I explained to them there must have been a mistake and questioned them as to what happened to the money in my escrow account. They said they would look into it and get back to me but it looked like it was used for loan fees.     After further investigation it was discovered that Nationstar 's escrow department had made a mistake and paid for my taxes twice. As a result they were demanding that I still pay the additional {$800.00} in fees until the tax company could return the over-payment. I refused and came to an agreement that I would only pay an additional {$61.00} per month until the over payment could be returned.     The tax companies have refunded the over-payment and now I have requested to have my escrow account closed because of how they handled this situation. I was sent a denial letter and I have been told during a follow up phone conversation that I can not close my escrow account because of a RESPA law that states I must have the loan 12 months before I can close my escrow account. I have researched the RESPA law and have not been able to find anything that prevents me from closing out the escrow account.      ( See attachment entitled Nationstar escrow dilema for further details. )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and there are fraudulent accounts opened without my knowledge and theyre hindering me from obtaining credit at this time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) as violated my rights. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

This complain is about BB & T the new Truist. 

We did 2 wire transfers XX/XX/XXXX. Was told it is free at the branch. the receipt printed not showing any charge. The fee of {$140.00} showed up XX/XX/XXXX. Called BB & T customer service, was told it is free at beginning, then was told it is not free because commercial account. need to go back to branch to solve. Branch told it is charged because of it is not domestic wire transfer which is not true. 

Requested to get the {$140.00} back, but can not even escalated the case to Truist 's CEO XXXX XXXX. 

What Bank did wrong? 
XXXX ). Can not provide proper receipt when doing wire transfer. This is a one-time service, not an annual service. Bank should print the right receipt when service is done. 
XXXX XXXX. Bank employee was not trained properly. Bank employee should tell the correct information. 
XXXX ). Service and customer experience need to be improved a lot. Bank seems trapped customer to use their over priced service. if we were told the cost is XXXX  $ for 2 wire transfers. We definitely will not use the over-priced service. We will mail a check instead. 

Thanks XXXX XXXX / XXXX XXXX
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 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 unfeasible. The CFPB 's 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: Debt collection

Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to XXXX XXXX. 

We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
Product: Credit reporting

I recently disputed several items with XXXX and the items were deleted from my credit report ... The company name was listed as XXXX XXXX and now they have re inserted the negative items back on my report but under XXXX XXXX, I was never notified by the collection agency nor the Credit bureaus that this information was going to be put back on my reports. This has caused a tremendous drop in.my score and has affected my pre-approval for my home. When, I disputed the items I asked for a debt validation letter along with XXXX correspondence but the company failed to reply back with supporting documents.. They have violated the Fdca law and the Fcra which I can seek damages from the collection agency.. The debt is n't owed because it was included in a paid lawsuit..I have documentation of debts being paid.. the date of services were XX/XX/XXXX,2016..I am asking that these negatives be removed immediately with company and the company be advised not to re insert these items back to my report and if they do, I will sue..
Product: Credit reporting or other personal consumer reports

I happen to look into my credit report only to find accounts that dont belong to me. Someone has opened up credit accounts in my name without my permission. XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Checking or savings account

I filed a unauthorized transaction dispute with Citibank and my disputes were denied. I didn't authorize these disputes and under regulation e I should have been awarded a provisional credit, the bank denied my claims and said that I was responsible for the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

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  Im submitting this requsest in regards to my initial dispute to the credit bureaus ( XXXX, XXXX and Experian ). I submitted a request for validation for account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not recevie a response back from neither credit bureau, after reading over my consumer laws I've determined that this is a FCRA violation and and Im requesting for immediate deletion of both accounts becuase its past 30 days and the bureaus have not responsed and also the following information was not provided. I requested each bureau to provide me with the following : What the money XXXX XXXX XXXX XXXX XXXX XXXX  say I owe is for. Explain and show me how you calculated what you say I owe. Provide me with copies of any papers that show I agreed to pay what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. Show me the you are licensed to collect in my state. Provide me with your license numbers and Registered Agent or Agent of Service. Also, its has been 60+ days and no comment and/or remark have been made to my XXXXXXXX XXXX XXXX XXXX XXXX XXXX to acknowledge my dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. This is yet another violation and grounds for immediate deletion.
Product: Debt collection

My current wife recieved a call on her cell phone from a restricted number asking about me. They informed her they were with the county service department and that they needed XXXX to call the civil lawsuit division of our county for more information regarding a lawsuit against the BOTH of us. the number they provided was XXXX and stated we needed to give them his name and they could provide court details. My wife then called me and the number they provided for the XXXX county civil division courthouse '' and it went to American credit acceptance line. My wife and I got married just over a year ago and this debt was from almost 10 years ago. I never provided them her information and I never gave them consent to call her. I was under the impression this was resolved and closed years ago. They stated that my wife and I were being sued for the " XXXX '' I purchased. I would like to reiterate I have not spoken to anyone regarding this in easily 7+ years. They pretended to be legal service departments with XXXX county and they were not. I am in the process of getting into the police department here and had all of my files pulled as well as went down to the courthouse to confirm none of what they said was true and at this point no lawsuit has been filed. They used aggressive collecting as a way to try to get my wife to pay something we do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 contacted the four ( 4 ) main Credit Reporting Agencies and let them know that they are falsely reporting an account on my consumer report as the creditor stated in writing that they were not reporting on my report. However, they are still is claiming the report as accurate after disputing with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX  XXXX # XXXX this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for XXXX & Ok payments for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy because the payment history reflects last payment XXXX on Experian. XXXX reports it charged off 60 days late. XXXX reflects nothing. 
XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. XXXX has no payment history reporting. 

I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. 

Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. 

The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. 

I prefer to be contacted only via mail or email for any correspondence regarding this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have not been able to retrieve earned Visa Cash Rewards from a Capital One Visa Account prior to closing the account. Following is the text of my last written correspondence. On XX/XX/2020 Capital One responded requesting the same failed actions and did not yet provide a secure means to submit the information. 

" XX/XX/2020 Letter to Capital One Re : Credit Card Fraud Case XXXX To Whom It May Concern : Late XX/XX/2020 I was notified that a transaction on my Quicksilver Account was flagged as fraudulent. It was not. I was told that, to prove my identify and unrestrict my card, I must use my phone to transmit an image of my drivers license. 

I declined to do so due to security concerns and requested a secure computer link to transmit that image. For reasons you have yet to explain, you could not provide such a link to either of my email accounts. After several frustrating phone conversations, I cut the card up and quickly acquired a comparable travel card from XXXX XXXX XXXX. 

On XX/XX/2020 I mailed a copy of my drivers license to the address provided in XXXX. I received a response that they could not scan the bar code on the printed copy. The same conversations ensued and again no seure computer link or other satisfactory option to resolve this. 

... I only want the {$58.00} you owe in cash rewards so I may close the account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get the credit bureaus to remove fraudulent names and addresses on my credit report, after sending letters and disputing these fraudulent personal information reported on my credit file, XXXX, Equifax, and XXXX still hasn't removed under the fair credit reporting act. The only name that should be reported and showing on my credit reports is as follows : XXXX XXXX XXXX XXXX. The only address that should be reporting on my credit files should be as follows : XXXX XXXX XXXX. XXXX, NC XXXX. All other names and addresses are fraudulent and must be removed, the following are the fraudulent names and addresses as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair policies, which violated consumer financial protection Act. Leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX used and sent out my Records without my consent, I have multiple hard and soft inquiries that I did not approve on my account. 
No action was taken on my side because I hold no authority but you guys do.

I Have Hospital debt that goes through the roof and all I did was sit in the lobby. 15 US Code 1681 B- a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

SEVERAL TIMES REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL. 

EQUIFAX SENDS OUT STALL LETTERS ASKING FOR THE SAME IDENTIFYING INFO REPEATILY
Product: Debt collection

I am writing to request your help with my case.TD BANK USA/TARGETCRED is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : Account # XXXX-Date Opened XX/XX/XXXX-Credit Limit $ XXXX.Account Status! Closed This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Product: Credit reporting or other personal consumer reports

I am sending this letter to you in response to a collection notice I received from you on ( date letter received ). A copy is attached to this letter. 

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in ( Your State ) has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via XXXX and sent to the address noted in this letter. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a judgment from  XXXX  that was settle for the amount of {$1200.00} and was paid by  XXXX   XXXX   XXXX  on  XXXX / XXXX / 2003 . My employer was recently served a writ of garnishment from  XXXX   XXXX  firm, on behalf o f LVNV Funding, who  is supposedly collecting the debt for  XXXX . The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 Statement.  XXXX XXXXXXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXXXXXX XXXX error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Product: Money transfer, virtual currency, or money service

This is with the Cash App. I can not reach a live person to talk to to discuss the problem of my money not being available for withdrawal.
Product: Credit reporting or other personal consumer reports

It has been over XXXX  days and Experian, XXXX, XXXX has not produced result of deletion of negative items