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

Capital One Spark Business is the company that we bank with and this issue is related to. 

Capital One sent us checks through the mail, with no tracking or security. Somewhere, an unauthorized individual stole the checks and started writing and cashing checks to themselves. This happened in the middle of the night on XX/XX/XXXX. We were unable to reach anyone at Capital One, because their support is not open until XXXX XXXX  EST. 

We called at XXXX XXXX EST to get our account locked and reverse these fraudulent check charges to our account. Capital One reversed all but one of these fraudulent checks. The check that was never reversed was # XXXX and in the amount of {$2400.00}. 

We have called numerous times to rectify this and Capital One keeps telling us that " the investigator is looking through the information ''. They have told us twice it would only take 2 days for the investigation. Due to the fact that Capital One lost our checks and did not provide a sufficient duty of care, we don't believe it matters if an investigation happens or not. We are requesting a refund of the fraudulent check in the amount of {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the ability to freeze and thaw my credit reports from the main credit bureaus without having to pay for a service. I believe having access to control my credit information should not be held captive by subscribing to a monthly service or paying XXXX time fees. It is overly difficult to process simple requests like this without using aforementioned paid services.
Product: Mortgage

Complaint against organization : Organization Name : Comerica Bank XXXX XXXX XXXX : COMERICA BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type of Business : Financial Institution Estimated Employees : XXXX Employees or More Most Recent Date Of Harm : XX/XX/XXXX Area of Complaint : Housing Request Description : Denied a loan based on " not enough value '' when appraisals show higher value than loan requires, state tax assessment exceeds appraisals. 
I just finished a two year project building a house. I completed it in XXXX, got Certificate of Occupancy with City of XXXX in XXXX, and closed on a Mortatge with XXXX XXXX XXXX XXXX in XXXX. 

My real cost to build was well over 500k. I borrowed XXXX from owners builders loans to finance the construction. 
I invest at least 200k out of pocket, It is a custom designed, and I managed the build. 

I order two full appraisals see attached.. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX before house was finished XXXX XXXX {$520.00} XXXX XX/XX/XXXX Comerica drive by {$400.00} XXXX XXXX and XXXX Encounters I applied for a second with Comerica online.. 
I was hoping to borrow XXXX XXXXXXXX take care of some outstanding credit card debt and protect my XXXXXXXX XXXX 

I was pre-approved in Feburary.. 
Then I was contacted by Title company because the XXXX had not been recorded yet. 
They threatened to delete application and requuire me to start over. 
I had the XXXXXXXX XXXX  company explain that legally they had 90 days to file but would expeidite filing for me. 
The Title work was recorded and clear in XXXX. 

I then recieved a call at the end of XXXX to say I was denied becasue Apprasial did not come in high enough. 
I was dumbfounded because they had all this info for weeks. I asked the lady to let me send her my real appraisals so they could correct thier stuff. She insisted it wouldn't do any good. 
So I asked to speak to someone else before I talk to my attorney because I felt like I was being discrimanted against. She finally had someone call me back who was very rude.. 
Kept trying to over talk me.. 
Said crazy stuff like the drive by 's always come in lower.. so I asked did they come in lower for just XXXX people? 
It was a fight and struggle trying to get her to consider actual appraisals that were XXXX more. Told me insane stuff like it was illegal for her to look at another appraisal, but send her the comparables. 
She made comments like he has no way of knowing you are XXXX ... duhh he came by and took pictures while I was home. I'm a XXXXXXXX XXXX XXXX with my pic and name all over social media.. urrrggg. 

If they do this to a XXXX, with excellent credit ... the average guy does not stand a chance.. 
I later got approved for same loan, by XXXX XXXXXXXX XXXX, same type of drive by appraisals. The tax assessment is actual higher than the apprisal! XXXX
Product: Money transfer, virtual currency, or money service

Certainly! Heres the text from the image typed out for you : I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. I consent to publishing this description after the CFPB has taken these steps. 

Let me know if you need anything else!
Product: Credit card

Hello, I am writing this complaint with regards to a Balance transfer I did from my Capital One Credit Card account to XXXX XXXX XXXX Credit Card account on XXXX XXXX, 2015. I put the account number of my XXXX XXXX XXXX 's account and submitted the transfer. After 10 days when the funds were not showing on my XXXX XXXX XXXX 's account, I called the Capital one for the status and they confirmed me that funds have already been sent out. After further investigation, it was found that the funds were actually sent to XXXX XXXX instead of XXXX XXXX XXXX. They put my XXXX XXXX XXXX 's account number but sent it to the wrong address to XXXX 's and I do not have any account with XXXX 's. We then had a conference call first which was between me, Capital One and XXXX XXXX XXXX and they, XXXX XXXX XXXX, confirmed that the account number was right which I requested for Balance Transfer but they have not received any payment or funds. Then we had another conference call which was between me, Capital One and XXXX and representative from XXXX confirmed that I do not have any account with them, so they can not find any payment or funds. 
Later Capital One started investigation and as per them, they requested XXXX to return the funds from there missing file. This was done on XXXX XXXX, 2015. 
Yesterday, XXXX XXXX, 2015, when I called Capital One for an update, they told me that they have not received any funds back from XXXX and also they can not guarantee to refund my money if XXXX do n't reply them. 
I provided the correct Bank Information and Capital One erroneously wired/transferred funds to the wrong Bank. I have not received any funds, it was their error, yet they will not correct my account balance on the original credit card unless XXXX refunds. 
Thank you, XXXX XXXX XXXX
Product: Checking or savings account

Chime denied my claim and subsequently closed my accounts ; I was never afforded due process nor refunded my $ XXXX! I need those funds now more than ever and I am willing to do whatever it takes to get my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # XXXX below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

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

Recently. I did an investigation on my credit report and found several items in there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately 1. XXXX  XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

2. XXXX XXXX XXXX XXXXXXXX - This account is being reported inaccurately. Please remove this from my credit report immediately. 

3. XXXX XXXX XXXX XXXX  - This account is being reported inaccurately. Please remove this from my credit report immediately. 

4. XXXX XXXX XXXX XXXX - This account is being reported inaccurately. Please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2021 30 days ago, I disputed via mail certain particular accounts and inquires that appeared to be erroneous reported on my credit report due to identity thief and fraud.. I'm a victim of identity theft and I'm seriously being affected in my personal life because of these account 's which should have been removed and blocked. 
This information is entirely inaccurate and the credit bureaus have failed to reply within the 30 day time frame regarding their alleged investigation.
Product: Student loan

MOHELA has mishandled my enrollment information and now it is saying that I am past due on loan payments when I am still in school. It states that I have {$1100.00} due. These loans are supposed to be in deferment but MOHELA will not update my information.There were only 2 months ( From XXXX XX/XX/year> ) that I would have been in repayment status. I have been enrolled in school for at least half-time for the following periods : XXXX XXXX XXXX current. I have tried contacting them multiple times and have not been able to get this issue resolved. I even scheduled callbacks and no one has reached out to me yet.They have claimed that they will be reaching out. They have not. If this company does not remedy this situation within the upcoming days, I will be taking legal action as they have falsely stated late payments when payments are not supposed to be due. I am still in school and require good standing with my federal loans in order to continue paying for school. This will hinder my ability to receive any type of federal loans for my degree program. I have followed all of their steps and this is now their issue to resolve.
Product: Checking or savings account

I went to Bank of America to open a business account and a savings account in XXXX XXXX, FL ; to find that in their system someone had opened 2 accounts with my information in Texas. 

They requested an investigation which I complied with. Obviously, I never did a police report, because I wasn't even aware that this had went on. 

They did 2 fraud investigations and it was determined that it wasn't me. See attached letters from the bank 's fraud investigations.
Product: Credit reporting or other personal consumer reports

equest for Removal of Unauthorized Credit Inquiries in Violation of the FCRA** Dear CFPB Representative, I am writing to request your assistance in addressing multiple unauthorized and erroneous credit inquiries made by an auto dealership during a recent vehicle purchase process. I entered the dealership with pre-approval from my preferred lender, specifically requesting that no additional credit checks be conducted. However, the dealership disregarded my instructions and processed numerous unnecessary and unauthorized inquiries, which have negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), consumer reporting agencies are required to ensure that credit inquiries are permissible and authorized by the consumer. These inquiries were neither necessary nor consented to, as I provided clear instructions to use my pre-approval financing. As a result, these inquiries have violated my rights under the FCRA by failing to meet the permissible purpose requirement. The inquiries I am requesting to be removed are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I believe my loan servicing company, Planet Home Lending ( XXXX ), is illegally holding mortage payments in an effort to collect extra interest payments on my mortage loan. On XX/XX/XXXX, I made a wire transfer of {$150000.00} to Planet Home Lending ( XXXX XXXX Number : XXXX ). Initially, PHL did not even post the payment. After several phone calls, they finally posted the payment. They assured me the payment would be posted per the date of receipt. As indicated by the XXXX number, PHL received the payment on XX/XX/XXXX. Per the attached payment history, PHL posted the payment on XX/XX/XXXX. Per the attached amortization schedule, final payment is {$750.00} and is due XX/XX/2036. Per my attached calculations, the final payment amount should be closer to {$150.00}. Clearly, PHL has improperly held this payment. Looking again at my payment history, it appears that they also inappropriately held an extra principal payment, but that seems to have been correct. I am concerned that PHL is in the habit of holding payments before posting them to mortgage loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for identity theft.
Product: Money transfer, virtual currency, or money service

Description : from XXXX I was able to talking with XXXX XXXX, XXXX user name : XXXX. 



We were using XXXX messenger and then email to communicate. 

He was supposedly selling a watch XXXX XXXX XXXX. with the box ( document provided ).  After finished the deal and waited to receive the watch.. I got a bag of teas from XXXX.. ( document provided ) The email that he sent with the photo of package and what I received matches so we have a strong case! ( document provided ) As other XXXX buyers mentioned, he and his friends are a scammer and stealing money. ( document provided ). 

He and I agree to do the deal over the PayPal invoice! The following day he changed his mind doing the deal and canceled my invoice requests. ( documents provided ) As I mentioned in the email, I was backing out the deal because he kept insisting to just direct transfer.. giving different PayPal ids ... 

He tricked me into it by providing me the tracking info by royal mail.. when he was so confident that he already sent the package, I never imagined someone to sent a bag of teas and scamming someone!!
Product: Debt collection

Subject : Goodwill Deletion Request for Paid Account [ Account Number : XXXX ] Dear Self Financial/Lead Bank, I hope this letter finds you well. I am writing to express my sincere appreciation for the financial services provided by Self Financial/Lead Bank and to request a goodwill deletion of the closed account XXXX from my credit report. 

This account was opened on XX/XX/XXXX, and successfully paid and closed in XX/XX/XXXX. I am grateful for the opportunity to build my credit history with your institution and have since been working diligently to maintain a positive financial standing. 

While I take full responsibility for my past credit history, I kindly ask for your consideration in removing this account from my credit report as a goodwill gesture. The presence of this account is negatively impacting my credit profile, and I am striving to improve my financial situation. Removing this entry would greatly assist me in reaching my financial goals. 

I understand that Self Financial/Lead Bank is not obligated to remove accurate information, but I kindly request this as an act of goodwill. I would truly appreciate any assistance you can provide and look forward to your positive consideration of my request. 

Please let me know if any further information is required to facilitate this request. Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I can not access my PHH Mortgage account at all using their online portal. I had forgotten my password. They sent me a link with my new password. That password did not work. I tried again and that password also did not work. I took a screen shot of both my email with their password and their web site with the password and my exact username not working. I believe being unable to access your own account violates CFPB guidelines.

I also saw that they reported my account as delinquent one day and fixed it the next day on my XXXX  credit report. I would like to know why. I also would like to know if my auto pay is turned back on as they mistakenly removed it twice this year, causing my credit score to drop 140 points for the first time in 20 years.

Their customer service is horrible.