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

My XXXX died XX/XX/XXXX. On the XX/XX/XXXX, I went into Chase Bank in XXXX, CA to find out what I would need to close the account. It was a personal checking account with the trust as the beneficiary. I met with XXXX who told me that I would need to set up a trust account with the trust attorney, bring in the trust, any ammendments and my mom and dad 's death certificate. I did this with my co trustee, my brother XXXX, on XX/XX/XXXX. XXXX took copies of all the documents so that he could scan them into their system. He said it would take 7-10 business days as something had to be done in the " back ''. 10 days goes by and I hear nothing so I call and he is not in. I call XXXX, the Bank XXXX XXXX, who proceeds to tell me she has no info on " closing trust accounts '' and I would have to speak to XXXX when he returns. Called him a few more times to no avail. On XX/XX/XXXX XXXX calls me to say the process is finished and I can stop in at the bank anytime and go to the window and get the check which would be made out to the trust ( I need to deposit it into a trust account ). On Friday, XX/XX/XXXX ( the next time I was in XXXX ) I stopped into the bank. XXXX was on vacation and the teller proceeds to tell me he has no idea what I am speaking of. The branch manager, XXXX, then tells me she can not locate our documents or personal information in their system even though XXXX had copies and doesn't know where they are. I ask for her supervisor ; XXXX XXXX and I call him. He proceeds to tell me he is sorry as it shouldn't take this long when someone dies and shouldn't be this hard. He tells me he will reach out to me on Monday. Today is now almost a week later and they are telling me that I need additional documentation and my brother who does not live here has to write a notarized letter to say he agrees with us closing the account and getting a check ( even though the trust is the beneficiary of the account and they have her death certificate XXXX and on top of all that he was with me when we originally gave them all the documents and directions ). He lives in the XXXX XXXXXXXX XXXX and can not just come down anytime he pleases. They have the documents they need and should close the accounts. We closed accounts with XXXX XXXX, XXXX XXXX and XXXX as well as XXXX XXXX  and did not have nearly this amount of trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : CAPITAL ONE ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is really exhausting and distressing. I have been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Product: Credit reporting

All XXXX major credit reporting agencies are allowed to DOWNGRADE a consumer 's FICO credit score -- an important measurement when seeking a mortgage -- EVERY TIME A LENDER/RETAILER requests a report, regardless of whether credit was requested or granted. For example, all credit card companies intermittently pull a customer 's credit report as well as routinely doing so upon the account 's renewal date. Further, when shopping lenders to determine their current interest rates a credit report is ALWAYS viewed before any information is revealed to the inquirer. My credit score was DOWNGRADED from XXXX to XXXX during a recent search for lender terms because of this scurrilous practice allowed by all XXXX credit reporting agencies. Any complaint about this practice to all XXXX agencies was met with a bureaucratic nightmare resulting in no real answer. There is no reasonable explanation for such creditworthiness DAMAGE based on NOTHING MORE than a unchallenged COMMON PRACTICE. It is time that this practice to be corrected in favor of the consumer. In fact, to provide documentation to attach to this form will result in YET ANOTHER REDUCTION in my FICO CREDITWORTHINESS score. Do you see what I mean?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed cited items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

Ive sent Bank of America multiple requests to remove PMI from my home loan due to meeting the 78 % requirement since  XXXX   XXXX . Bank America has refused to grant my request stating that I must pay a partial claim in full before I am able to remove PMI. Ive asked Bank of America to send me language in writing which states that I am required to carry out such action. Bank of America has failed to do so.
I initially thought that I could use new appraised home values to remove PMI. I contacted FHA and was informed that I can only sue the original appraised value at the origination of my loan. As a result, I have amended the amount of PMI payments in which I shall be refunded. FHA also informed me that there is no language within the Housing Policy Handbook which states that I must pay my partial claim in full prior to removing PMI. My loan was modified in  XXXX . I understand that homeowners who obtained loans after   XXXX    are unable to remove PMI. However, this does not apply to my loan.
I was informed by a FHA resource representative that I have to make another attempt to contact Bank America to resolve the issue. Bank of America has failed to resolve this matter.
The original appraised value of my loan was {$200000.00}. Based on my amortization schedule, my current principal balance is {$160.00}. Ive met the 78 % LTV ratio since   XXXX    XXXX  when my principal balance was {$160.00}. As a result, I have recalculated the amount ( {$320.00}  XXXX    XXXX     XXXX   ) of PMI payments in which I shall be refunded. Can you please assist me with enforcing Bank of America to comply with the terms of contract agreement.
Regards,   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY XXXX XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}
Product: Credit reporting, credit repair services, 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 15USC1681 Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX myself and My Husband have been house shopping for about 6 Months. We hired a realtor to show us Homes. We finally settle on 1 that had been Foreclosed and was on the market for about 9 months. We decided to purchase that 1. We made an offer and the Bank ( PNC/XXXX/XXXX ) ACCEPTED OUR OFFER. Upon signing a contract we gave them an Initial Deposit of {$5000.00}. The realtor directed us to a Finance company the he uses for loans. Upon submitted documentation and sending in all required information we discovered we were doing a Conventional loan not an FHA. In which we thought we were doing an FHA, The lender inform us that the seller only wanted to go Conventional after weeks of getting information to her. Then I said Inform me my credit score had to be a XXXX to qualify now my score was fine with the initial contract for FHA. all i needed was a XXXX score. Then she call an inform me that she would willing to help me pay off my credit cards and bring balances down an dispute XXXX collections that i had. I did everything she ask me to do. Stated to me this will make my credit score go up. I ask her XXXX why dont we just go FHA Iam a first time buyer, she said no the seller Bank wants a Conventional loan. So I was pleased about that because Intially that is what we spoke about. Shortly after making all the inquiries on my Credit and those hard pulls bought my credit score down. So discuss moving from XXXX because she could not make it work. I spoke to realtor an inform him i was going to shop elsewhere, I Begin working with another Financial Entity and She email PNC/XXXX/XXXX -XXXX an inform them that she will be working with them on closing my loan and explain to them that she needed more time to do Title Search, Apprasiser, Survey etc. And they said we will give you more time if You give us {$5000.00} more dollars and NON-REFUNDABLE MEANING IF YOU CANT CLOSE WE GET TO KEEP YOUR {$10000.00} DOLLARS. I told them NO just send back my {$5000.00} I am not going to pay them {$10000.00} NONREFUNDABLE FOR 2 WEEKS. That is ridiculous and they want me to sign a letter of release so that they can keep my {$5000.00} These Banks are still taking advantage of the Consumer trying to take money that we work so hard for. I need your assistance and Help Please
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

: Formal Dispute of Inaccurate Credit Information - Account # XXXX Request for Immediate Deletion** Dear XXXX, XXXX, and Equifax, I recently checked my credit report, I am writing to formally dispute the inaccuracies in the reporting of account # XXXX on my credit file. After reviewing the information provided by your bureaus, I have identified significant errors and inconsistencies that are in violation of my rights under the **Fair Credit Reporting Act ( FCRA ) **, **Truth in Lending Act ( TILA ) **, and **Fair Debt Collection Practices Act ( FDCPA ) **. I demand the immediate deletion of this account from my credit reports in accordance of 15 USC 1666 ( b ), for the following reasons : I have attached supporting documentation.
Product: Credit reporting

Transunion had a glitch in their system when I was in the process of buying a home. When I was going through the approval process, my credit report from Transunion did not have any inquiries. When my approval was in it 's final stages, there were XXXX inquiries that showed up on my credit report and now my pre-approval is in jeopardy. I have tried to contact them however, they have kept me on hold for at least a hour on both instances. I just want them removed so that i can have my loan approved.
Product: Checking or savings account

My account was closed without my permission for reasons undisclosed. I called multiple times but no answer or solution. They told me nothing and I dont understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ''
Product: Money transfer, virtual currency, or money service

I would like 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX - BALANCE {$22000.00} - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Debt collection

Today, XX/XX/XXXX, I received a call from XXXX XXXX ; employee from Debt Collection Agency McCarthy , Burgess & Wolfe. For the second time in two weeks, said employee has been attempting to arrange to collect an inaccurate and unverifiable debt on behalf of XXXX XXXX , XXXX On each call, the alleged balance differed. I advised Ms. XXXX, on both occasions, communication has been established with XXXX XXXX, XXXX to verify, validate and resolve the debt. Collection efforts should have ceased ; instead, she proceeded to state that collection efforts will continue. I requested a valid original instrument of indebtedness in its original form with my signature on it ; Ms. XXXX stated she will get an invoice and does not have to verify my signature is on it. At this moment, it was made clear, via Ms. XXXX own admittance, that she was attempting to collect an alleged debt WITHOUT valid documentation as per the FCRA and the FDCPA ; Federal Law. McCarthy, Burgess & Wolfe and XXXX XXXX , XXXX are both attempting to collect a debt for the same account number, with different balances. 

With beyond a reasonable doubt of information regarding and pertaining to the training, education and collection practices of McCarthy, Burgess & Wolfe, along with their employees ( which should each be held personally responsible for being unable or unwilling to comply in collection efforts of only 100 % accurate and 100 % verifiable accounts in accordance with 15 U.S. Code Sec. 1629e ( 8 ) and Sec. 809 ( b ) of the Fair Debt Collection Practices Act via NOT ignoring or overlooking physical verification of a consumer contract with their signature on it in accordance with FCRA Sec. 609 ( a ) ( 1 ) ( A ) ), I respectfully request an investigation of all accounts paid to McCarthy, Burgess & Wolfe to cease all improper collection practices. Should this matter end up in court, I respectfully request all consumers violated be reimbursed all accounts that resulted in paid status under obvious violations, like mine ; and pursue a Class Action Lawsuit for Improper Debt Collection Practices in pursuit of statutory damages plus attorney costs and any applicable fees in accordance with 15 U.S. Code Sec. 1692k (  a ) ( 2 ) ( A ), similar to the CFPB ordering XXXX XXXX XXXX XXXX to pay $ XXXX for Improper Debt Collection Acts on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters approx. ( 50 ) days ago on XX/XX/2021, to all XXXX bureaus about my credit report having so many unauthorized items on it. I have contacted Experian, XXXX and XXXX in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX  XXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the XXXX data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at Experian, XXXX and XXXX do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.