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

They put 7 day hold on pay check. I have deposited check before with no problem now a hold its like they can do what ever they want with your money and you cant do anything
Product: Mortgage

This is another complaint with # XXXX. Please see the history by reviewing the initial complaint. However, I've been trying with patience to have the re-modification loan completed and to be reviewed by the underwriting team but I have run into several difficulties. The underwriting team seems to be very unorganized. They will asked for information and I will give them exactly what they ask for and then I will get a call stating they have not received the information. I then request the representative to look through the information and then the information is found. This happen on XX/XX/XXXX because I was told to re-submit the bank statements and the paystubs because 90 days had laps. As of now, PHH still states the underwriting team has not yet received the information that was sent on XX/XX/2019. Also, I requested for a payoff amount for the loan on this date as well. I have not received this information after being told an expedited request was being sent. Between Ocwen and PHH I don't know which is the worst company. I believe some type of intervention is needed. These two companies have not done a very good service for the home owners.
Product: Mortgage

Hi well flagstar was my bank they wouldnt modify my loan stated i didnt have enough income.I explain my income would go up in a few weeks They only added my income up and said i couldnt afford the morgage. I feel they could have did something to help me i had been in my home for 22yrs. and lost and walk away with nothing. Flagstar took the loan and 3 mos later is when my income drop thats why they said i couldnt afford the lloan. If i knew i could have come up with more income from a family member maybe i would had better chance. but they recommended nothing i feel im still intittled to something what a lost for me do u know of anyone to look further into my case. I was supprise to see they have to pay back so much money to consumers i wait for your response Much Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/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 was denied a re-finance mortgage of real estate by TCF Bank. The approval process took almost a year, with multiple delays created by the bank. I spent nearly {$600.00} in appraisal fees, and nearly one year of time attempting to secure this loan. I took another job during the inordinate amount of time that the Bank took and that became the reason for the denial of my loan. They delayed the loan by asking for the same documents repeatedly. They used other time delay tactics like going " dark '' and not communicating the status of the loan. The bank would ask for repairs for be done to the property that did not need to be done for non-existent issues. The bank also requested that a re-inspection be done after the repairs for the non-existent issues were done. The bank then asked for a certification from a licensed " roofing-professional ' to be provided. This professional license does not exist in the state the property is in, so the request was nonsensical and impossible to obtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised due to the XXXX data breach. I have attached all information needed for the credit reporting agencies to BLOCK the fraudulent accounts immediately!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these actions are unfair and request an investigation into my account transactions.
Product: Debt collection

Debt was paid to XXXX  on A settlement offer.

Sunrise credit told me I was a liar and refused to verify and put a ding on my credit a few hours later the same day I paid Treated me horribly so I treated them the same way I was called a XXXX  an
XXXX  told that XXXX  doesnt settle and I owed the money to them.

My services are back on the bill is paid Sunrise credit refused to remove the bad mark on my credit even though it was placed after the debt was paid
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices. Cash app failed to take timely and effective measures to prevent and address fraud on their platform which my account was left unprotected. This is a violation to the consumer financial protection act. The dispute resolution process was unfair. They did not comply with error resolution requirements under the electronic fund transfer act and regulation e. The result has lead to financial loss and I seeking a resolution for the violations
Product: Consumer Loan

WELLS FARGO DEALER SERVICES IS REPORTING A PAID OFF LOAN AS PAST DUE NOW FOR 24+ MONTHS TO ALL XXXX CREDIT BUREAUS - FILED A BOGUS BK XXXX CHAPTER XXXX CLAIM - COLLECTED PAYMENT EVEN ON A DEBT EVEN THAT IS NON EXISTENT - CONTINUES TO VALIDATE A DEBT WHEN DISPUTED WITH EACH CREDIT BEAUREA VIA ONLINE DISPUTE PROCESS AS I POSSES VEHICLE TITLE SHOWING NO LIEN HOLDER, MY INSURANCE COMPANY HAD PAID THE LOAN OFF IN FULL BACK IN XX/XX/XXXX, I HAVE PROOF OF THE CLAIM FROM MY INSURANCE COMPANY OF THE CHECK NUMBER WELLS FARGO DEALER SERVICES RECEIVED, THE DOLLAR AMOUNT OF THE CHECK THEY RECEIVED, THE CHECK NUMBER, WHEN IT WAS CASHED, THE PAYOFF AMOUNT, ALTHOUGH WELLS FARGO RELEASED THE TITLE AND IS NO LONGER A SECURED LIEN HOLDER, HAS NO LOAN AND HAS FULL PAYMENT, THEY REFUSE TO FIX AND CORRECT MY CREDIT REPORTS AND CONTINUE TO REPORT A BOGUS PAST DUE AMOUNT ON A CHARGED OFF LOAN THAT WAS PAID OFF IN 2011 WHICH IS AND HAS RUINED MY CREDIT AND ABILITY TO OBTAIN CREDIT SINCE XX/XX/XXXX, AND I HAVE ATTEMPTED TO CORRECT IT THROUGH FORMAL BUREAU DISPUTES YET THE CREDIT BUREAUS CLAIM THE AMOUNT IS VALIDATED SOMEHOW REFUSE TO SEND ME PROOF OF HOW IT IS VALIDATED, WELLS FARGO EVEN CLAIMED A BANKRUPTCY CLAIM ON MY CHAPTER XXXX FILING BETWEEN XX/XX/XXXX-XX/XX/XXXX COLLECTING PAYMENTS ON A NON EXISTENT LOAN - I HAVE CALLED WELLS FARGO REPEATEDLY GETTING HUNG UP ON - TOLD A MANAGER WILL CALL BACK ON THIS PILOT PROJECT - I NEVER GET A CALL BACK - IT 'S BEEN FIVE YEARS - I AM REPEATEDLY GIVEN THE RUN AROUND THIS IS ILLEGAL - I HAD ADDITIONAL GAP COVERAGE ON TOP OF THE COMP INSURANCE CLAIM THEY REC 'D FULL PAYMENT ON TO PAY OFF THE CAR IN FULL. I NEVER REC 'D A DIME FROM THE GAP POLICY. I SHOULD HAVE REC 'D PAYMENT WHICH I DID NOT. IF ANYONE IS OWED MONEY BACK IT IS ME, NOT THEM. THEY CAN NOT REPORT A BALANCE ON A LOAN FULLY PAID AFTER 5 YEARS, WHY ARE THEY ABLE TO DO THIS. THEY ARE AND HAVE RUINED MY CREDIT FOR YEARS AFTER A LOAN IS FULLY PAID THIS IS COMPLETELY AND UTTERLY IRRESPONSIBLE WHEN THEY HAVE MADE MY CREDIT SCORE BEYOND REPAIR AND NEARLY IMPOSSIBLE TO ESTABLISH ANYTHING ABOVE XXXX ALL WHEN I DO NOT EVEN OWE THE DEBT AND THE BUREAUS ARE SOMEHOW WORKING WITH THEM TO VALIDATE DEBT THAT DOES NOT EVEN EXIST.
Product: Mortgage

XXXX of XXXX Selene Finance sent escrow overpayment to the Bankruptcy attorney that no Longer represents mortgagor as the XXXX XXXX  XXXX was completed summer of XXXX. Mortgage documents have been sent to bankruptcy even after bankruptcy ended. Bankruptcy attorneys notified mortgagor that they received a check made out to their name and notified mortgagor XX/XX/XXXX. Mortgagor called Selene finance to get check cancelled so one can be sent in mortgagor name on XX/XX/XXXX and was told that they needed a document from bankruptcy attorney email to them so they can remove themselves as representative of mortgagor. Email was sent XX/XX/XXXX with attachments on attorney letter head. Mortgagor tried calling Selene but was unable to navigate the phone tree to reach a person in escrow or any other department. Thus sent emails on XX/XX/XXXX and XX/XX/XXXX and have not received any response or a reimbursement check made out to current mortgagors. Per Selene site another escrow statement was sent XX/XX/XXXX to bankruptcy attorney almost a month after they emailed to remove themselves as representative was sent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized credit inquiries that appear on my credit report. I believe these inquiries were made without my knowledge, authorization, or a legitimate purpose as defined by the Fair Credit Reporting Act ( FCRA ). Additionally, none of these inquiries are connected to accounts or services I have applied for or established. delete these immediately. 
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 XXXXXX/XX/XXXX Under the FCRA, hard inquiries may only appear on a credit report with the consumers explicit consent, typically for the purpose of extending credit, renting property, or other permissible purposes. I did not authorize the above inquiries, and their presence on my credit report is damaging my credit score and reputation.

I request that these inquiries be investigated immediately. If the inquiries are determined to be unauthorized, I ask that they be removed from my credit report promptly. Please inform me of the results of your investigation in writing at the address provided above.

I have attached a copy of my credit report highlighting the disputed inquiries, along with a copy of my government-issued identification and proof of address to assist in verifying my identity.

Thank you for your prompt attention to this matter. Should you require further information to process my dispute, please contact me directly.
Product: Checking or savings account

XXXX  does not allow transfers to my bank account. 
It keeps giving errors and there is no way to transfer money. 

https : //card.moneynetwork.com/
Product: Money transfer, virtual currency, or money service

I am formally writing this to express my concerns regarding Zelle 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 situation, and Zell failed to investigate. My claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 consumer safety.
Product: Credit card

I opened a Spirit Airlines credit card ( Bank of America ) while being promised free miles. I received only a fraction of the miles promised. 
I was charged an annual fee and called asking them to cancel the fee since they did not deliver on their part of the contract. They refused to cancel it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my Transunion credit report several months ago i noticed XXXX XXXX XXXX has listed a collection/charge-off account on my Transunion report. I have tried to resolve this issue several times. 

XXXX XXXX account does not belong to me. I have contacted XXXX XXXX XXXX  and Transunion several times about this account not belonging to me and Transunion response that the account has been verified as accurate and today when I check my report the status has updated as Paid after Charge-off. 

I never paid XXXX XXXX XXXX  this is false inaccurate reporting, this account does not belong to me and it is a clear violation of Federal Reporting laws. 

Under the FCRA Creditor must provide complete and accurate information to the credit bureaus. Creditor must correct inaccurate or incomplete information in your report. 

An information furnisher must provide complete and accurate information to the credit bureaus. 

furnisher must correct any error, or explain why the credit report is correct within 30 days of receipt of notice of a dispute, which time has passed. 

The information furnisher must correct inaccurate or incomplete information in your report. 

The information furnisher must notify all credit bureaus where they sent incorrect information of any error XXXX XXXX continues to violate protected rights.
Product: Mortgage

Applied for a mortgage refinance with Bank of America, spoke with XXXX XXXX. After submitting my application, he said " thank you for your application '' I will work on your application over the weekend and get back to you. XXXX of the application questions was " are you a co-signed on any other loans ''. I explained yes, I co-signed for my son 's college loan but that he would be making the payments. XXXX XXXX stated he would look into it being a problem. We hung up. After not hearing from XXXX XXXX for several days I called him back. He replied " yeah, sorry for not getting back to you, but your income debt ratio is way too high with the student loans showing up on your credit report. He also said that once my son was paying on his student loans for at least a full year we could reapply and show proof that my son was indeed paying his own loans. '' Ok, so the loan was denied. Fast forward a month, I never got a denial letter and I know that the law states that denial letters must be sent out. I called the banking commissioner and was given this site to process a complaint. Also, last night XXXX XXXX called me to say that he heard I was upset for not receiving a denial letter but that I never submitted an application. What??!?? I worked for a mortgage company for years and I know when I submitted an application and hung up on him. Also note that roughly 2 years ago, I applied for a refinance with Bank of America and even had an appraiser come to my house which I had to pay for. I never got a denial letter from that application either. I was told over the phone that my income to debt ratio was too high. I questioned why then was an appraiser sent to my home if they knew my loan was going to be denied and they had to answer. Again no denial letter. I did file a complaint as to why an appraiser was even ordered and received an answer back basically telling me that they can do what they want. Again, no one has ever addressed the no denial letter.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury. This has caused defamation of character, which violates the fair debt collection practice act. I am not able to find a job or apply for credit under this crisis and your company has hurt my ability to obtain credit Under the law 15 U.S.C 1681 ( b ). You are also in violation of law 15 USC 1692 ( f ) ( g ). You are violating my rights. On XX/XX/year> I sent a debt validation letter to XXXX XXXX as well as XXXX, Equifax, and XXXX. I didn't receive a response back from XXXXXXXX XXXX  and the credit bureaus.
Product: Debt collection

This Company Diversified Consultants continues to pop up on my credit report even though they produce no debt validation of supposed debt. They continue to call and harass family members at all hours of the day numerous times of the day even after being told to stop. No letters or anything have ever been sent to me. No account numbers or anything have been provided whatsoever.
Product: Money transfer, virtual currency, or money service

I need Chase to send my claims number to XXXX so I can get my money back. Chase won't send it.
Product: Debt collection

I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2000.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$280.00}
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my experience credit report on XX/XX/year>, and notice some things are incomplete or not accurate. And According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according

to 15 USC 1681 5 they are supposed to do this ( 5 ) treatments of inaccurate or in 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 results of the reinvestigation and ; ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681S-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my 21th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : Inconsistency in the reporting of Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Inconsistency in the reporting of Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : Not provided Inconsistency in the reporting of the Monthly Payment : XXXX : {$0.00} Experian : {$0.00} XXXX : Not provided Inconsistency in the reporting of Payment Status : XXXX : Paid-Off Experian : Not provided XXXX : XXXX XXXX XXXX XXXX XXXX  Inconsistency in the reporting of Credit Limit : XXXX : {$0.00} XXXX : {$500.00} Experian : {$0.00} XXXX XXXXXXXX : Inconsistency in the reporting of High Credit : XXXX : {$1000.00} XXXX : {$0.00} Experian : Not provided Inconsistency in the reporting of Credit Limit : XXXX : {$0.00} XXXX : {$1000.00} Experian : Not provided XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX the reporting of Date Opened : XXXX : XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX : Not provided XXXX ( Original Creditor : XXXXXXXX XXXX  ) : Inconsistency in the reporting of Date Opened : XXXX : XX/XX/XXXX Experian XXXX Not provided XXXX : Not provided XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : Inconsistency in the reporting of Date Last Active : XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX Not provided
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.