23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got divorced in XXXX of XXXX. At the time of the divorce, part of the settlement was to allow my ex-wife to stay in our marital home since we had a young daughter. We agreed we did not want to disrupt her life. When I left the home as part of the settlement my ex-wife agreed to take over the house expenses and mortgage. It was an adjustable mortgage with XXXX XXXX. During the years she has tried to refinance the mortgage into her name before it began to adjust but does not qualify, we then tried to look at HARP options but the mortgage is not owned by XXXX or XXXX XXXX so we were told no on that option. Fast forward, she has been paying the mortgage in hopes her income would go up and she would be able to refinance out of my name. The mortgage began to adjust as of XXXX XXXX. I was recently laid off last year during XXXX XXXX, and went from making XXXX to each year less and less. Now in XXXX I am making XXXX. My ex-wife decided to leave me with the house after she realized she would not be able to put the mortgage in her name so I have had to move back into the home. I have contacted Quicken loans to try to do a modification to a fixed mortgage since the rates are adjusting and going up and now I make a lot less, I provided all the documentation they required every XXXX weeks. After providing the documentation every XXXX weeks I realized I was not getting anywhere, I called and escalated my case to their XXXX relations group. I spoke with a XXXX XXXX in the executive office who said he was a supervisor. I spoke with several Quicken employees who said they were supervisors and were not. XXXX XXXX, XXXX XXXX, XXXX XXXX. The company employees lack integrity. Anyway, after several calls to follow up and back and forth, XXXX XXXX told me my modification request was denied, his reason was I made too much income. I asked how was my income calculated he refused to disclose the math, how can you tell some XXXX they are denied and not explain why? In addition to this I also received my mortgage statement for XXXX with an additional {$180.00} fee showing up on the statement with no explanation of why. I called to ask them why and to remove it and they have yet to resolve the issue. The executive relations rep XXXX slipped up and said it was XXXX charges, when I questions it further she said she was not sure what is was and would look into it. She was also suppose to be a supervisor, when I asked to speak with her supervisor, she said it was XXXX XXXX. Again Quicken employees are being dishonest. I feel absolutely uncomfortable with with them no XXXX in there executive relations group seems to be honest and I do not know who else to go to to hear my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXXXXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from XXXXTransunion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX  BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

After paying off the debt I initially was told with National Credit Adjusters for an old account which was opened in XXXX for the amount of {$350.00}. Paid it off in XX/XX/XXXX and XXXX has reported as of XX/XX/XXXX as CLOSED which has damaged my credit score.Consumer said they reported to XXXX  as PAID IN FULL and asked for a removal.
Product: Debt collection

I have request 2x to have this debt disputed and validated. They have never sent the initial notification letter or did I receive a dunning letter. When I spoke with them on XX/XX/year> I was told they would not report this to my credit report due to inaccuracies and no complete record of the debt. I have disputed this debt ( and all other debts they claim I have ) under Fair Debt Collection Practices Act only. I expected to see an XB on my credit report which did not happen. I made requests for them to correct the account as they can not provide the correct documentation or meet the requests made to them.
Product: Credit reporting or other personal consumer reports

SENT THE DISPUTES IN FOR THESE UNKNOWN, UNVERIFIED AND INACCURATE ACCOUNTS SEVERAL WEEKS AGO. YOUR COMPANY VERIFIED THAT THE INFORMATION WAS ACCURATE IN REPORTING. THE ACCOUNTS HAD SEVERAL DATES REPORTING INCONSISTENCIES BETWEEN THE XXXX BUREAUS. I STATED THAT THE ACCOUNTS WERE INACCURATE AND MUST BE DELETED BECAUSE OF THIS, BUT MY CONSUMER REPORT IS STILL REPORTING THESE ACCOUNTS. THIS IS A VIOLATION OF THE FCRA. WHEN DISPUTED INFORMATION IS FOUND TO BE INNACCURATE OR UNVERIFIABLE, THE ITEM MUST BE DELETED IMMEDIATELY. ( I AM REQUESTING THE METHOD OF VERIFICATION OF EACH ONE OF THESE ACCOUNTS LISTED. IF YOU CAN NOT GIVE ME A DETAILED METHOD OF VERIFICATION OF THE ITEMS I HAVE LISTED, THEN YOU WILL IMMEDIATELY DELETE THESE ACCOUNTS WITHN 15 DAYS OF RECIEPT OF THIS DISPUTE. ) Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " AGAIN YOU HAVE 15 DAYS '' AFTER THAT I WILL BE FORCED TO SEEK LITIGATION FOR DAMAGES.
Product: Credit card or prepaid card

There is two separate yet similar issues I am having with a company. On XX/XX/ I finally received a email along with a " temporary credit '' regarding one of the disputes I had filed on XX/XX/. After waiting over the 45 days and I'm still waiting for the resolution I receive what they are calling a temporary credit however it states in the email that if the investigation takes more than 45 days the temporary credit becomes permanent even though the dates clearly show in the email it's long beyond the time allowed therefore this should have automatically been a permanent credit. Also I received a separate email stating that a transaction that I didn't even dispute was denied due to the merchant already refunded the money. I responded with that not being a transaction I disputed I received a generalized email that had the case number for reference that was for the disputed XXXX transaction in the amount of XXXX not the one they were claiming. I don't know how that could even happen but I reached out to the customer service and like always got absolutely no where. It's now going on 60 days and I still haven't received or heard anything about the XXXX XXXX transaction in the amount of XXXX  that the case number was/is XXXX. According to the terms and conditions of the company a provisional credit is to be given on the 10th business day if it was going to take up to the 45 days for a resolution and if it's past the 45 days it's no longer a temporary credit it is to be permanent. I haven't received anything concerning this case mentioned above and I have called and chatted numerous times and told there was no updates I need to continue to wait. I have financial obligations that has been supposed to be paid but I haven't been able to because the money I had was fraudulently taken from my account and I haven't received no credit for the above mentioned case and its going on 60 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax Inc concerning fraud on my credit report and incorrect personal information. Equifax staff members refuse to remove the inaccurate personal information after i have called/sent letters. I believe that Equifax Inc is more interested in reporting inaccurate personal information than helping the consumer by deleting the inaccuracies. My correct and mailing address is XXXX XXXX XXXX XXXX XXXX Mo XXXX and my only social security number DOES NOT end in XXXX
Product: Money transfer, virtual currency, or money service

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 is impossible and tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Bank account or service

On XXXX XXXX at XXXX XXXX I made a cash deposit of {$1000.00}, all in {$100.00} bills at a Chase ATM. The ATM then ate the cash, all of which was new and did not have staples or any metal pieces to interfere with the transaction. 

The machine then printed a receipt that confirms a deposit was made, but not the amount, that the machine " has experienced a technical error '' and that I should call Chase customer claims. I did that immediately, explained the situation, and was credited {$1000.00} while they " investigated my claim. '' Two weeks later on the XXXX, Chase sent me an email saying the investigation was complete and that the XXXX credit would be removed, and that was the last of the matter. 

I have called the claims department, branch manager, supervisors, and all have told me that 1. the footage of my transaction has not been reviewed 2. the cameras in the bank are pointed at my face, not at the money, so there is no way to review the cash I physically deposited. 

I asked XXXX supervisor why, if Chase ATMs can just swallow a client 's money and there 's no way to prove it on camera what happened, why should anyone use Chase ATMs? She told me " I do n't use the ATMs, they can break. '' I can not believe that a major organization like Chase would be so unable to confirm a deposit made at an ATM inside XXXX of it 's branches, in the middle of XXXX.
Product: Money transfer, virtual currency, or money service

I sent money through my XXXX XXXX XXXXXXXX using the Zelle option > I got scammed and couldnt get my XXXX back from it since XXXX XXXX XXXX couldnt do anything for me neither could Zelle since I used XXXX XXXXXXXX XXXX
Product: Consumer Loan

I purchased an Infiniti SUV in XXXX XXXX and traded my XXXX Infiniti in who was financed by Wells Fargo Dealer Services. XXXX XXXX was provided a payoff in by Wells Fargo in the amount of {$27000.00} ; this amount was sent to Wells Fargo to payoff my XXXX SUV ( see attachment ). Wells Fargo Dealer Services then contacted XXXX XXXX stating an additional {$260.00} was outstanding on the XXXX SUV and this amount was paid. In the meantime Wells Fargo Dealer Services sent XXXX /30 day late payments to the Credit Reporting Companies ( for XXXX XXXX and XXXX XXXX ). In XXXX XXXX Wells Fargo Dealer Services sent me a refund check in the amount of {$74.00}, this indicates there was never {$260.00} outstanding on the vehicle. This false report has severely damaged my credit and caused me to get denied for a mortgage loan.
Product: Credit reporting or other personal consumer reports

On XXXX, XX/XX/year>, I XXXX XXXX was denied financing from my lender due to a collection listed on my consumer report. The creditors name is XXXX XXXX XXXX I am not familiar with this account nor creditor and I am requesting an investigation to take place on my behalf in regard to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my documents in to XXXX and XXXX  they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS Dci Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information DIVERSIFIED CONSULTANTS INC
Product: Debt collection

On my consumer report it states I opened a vehicle loan on XX/XX/year> on XXXX Then On XXXX the date is XX/XX/year> which is AUTOMATICALLY a RED FLAG. From the beginning I realized I was being illegally double charged when purchasing a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC, XXXX. I asked if they participated in the Truth In Lending Act and they stated Yes which this Act protects my personal rights as an consumer when buying or leasing, which also states that if I as a consumer was to purchase the vehicle which was a 2021 Challenger that by it being on my credit I was never supposed to pay a down payment CASH in which I gave ( XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX SC, XXXX ) XXXX dollars CASH. In which was a violation to me as a consumer and also a violation of Federal Law Code ( s ) 15 USC 41, 15 USC 1601, & 15 USC 1681 ( b ). 

Account Number : XXXX
Product: Debt collection

In XXXX and XX/XX/XXXX XXXX did not post payments to my XXXX 's account in a timely manner. I have repeatedly provided documents from XXXX XXXX   to prove those payments were made, in full and on time. XXXX charged late fees for bills paid in full and on time. Then they repeatedly charged additional late fees for the unpaid late fees until they got to {$290.00}. They stopped charging the late fees when they " ACKNOWLEDGED '' that they had in fact received both payments on time and in full : XX/XX/XXXX paid in full {$370.00} XX/XX/XXXX paid in full {$170.00} In spite of the fact that XXXX provided the documentation proof, XXXX did not remove the charge for late fees of {$290.00}. Several collection agencies call and harass me and my family trying to get ILLEGAL FRAUDULENT late fees paid. They continual add these late fees to my credit reports as NEW items hoping that I will just pay them anyway.
Product: Debt collection

As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX ACCT XXXX XXXX '' for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of XXXX. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy appears on my credit report that was not verified. 

I mailed a letter to Transunion on XX/XX/XXXX inquiring about this line item. 

I received a letter from Transunion dated on XX/XX/XXXX indicating that the bankruptcy was mine and verified. 

I mailed another letter to Transunion onXXXX requesting that per FCRA Transunion provide the source - name, address and phone number that verified this information. 

I received a letter from Transunion dated XX/XX/XXXX identifying the USBK Court of XXXX Georgia as the source that verified the information. 

I mailed a letter to Transunion ( certified mail ) on XX/XX/XXXX a copy of a letter received from USBK Court of XXXX Georgia reflecting that they do NOT verify bankruptcies. Therefore, Transunions claim that they verified the bankruptcy with the court per their letter dated XX/XX/XXXX was false and a bankruptcy was unjustly placed on my credit report without going through the proper channels in verifying. 

On XX/XX/XXXX - I contacted Transunion and spoke with XXXX ( ref - XXXX ). He advised that I needed to open yet another dispute online. When I opened the dispute online, it did not allow me to upload documents. A certified letter was mailed to Transunion with a copy of the letter received from the USBK Court of XXXX Georgia. 

On XX/XX/XXXX, I received a letter from Transunion indicating the bankruptcy was verified. Again, it was not verified by the USBK Court of XXXX Georgia that Transunion cited as their source. 

On XX/XX/XXXX, I contacted Transunion by phone and spoke with XXXX - she was unable to assist as she could only read notes in the system. I was transferred to XXXX and then a rude supervisor XXXX. Both XXXX and XXXX indicated a third party verified the information. However, the written letter received from Transunion dated XX/XX/XXXX did not mention a third party. Transunion cited the USBK Court of XXXX Georgia as their source. 

At this time, I know that the bankruptcy reported on my credit report was not verified. The FCRA legislation was enacted to promote the ACCURACY and fairness of consumer information. How can something be deemed accurate if it was not verified as proven?
Product: Credit reporting or other personal consumer reports

Capital one submitted inaccurate information to credit bureaus.
Product: Checking or savings account

Unfairly charged surprise overdraft fees on debit purchases and ATM withdrawals, even with having enough money in the account at the time of the transaction. 
Debits were reorganized to benefit the bank in regards to accruing fees instead of being tallied at the time of purchase.
Product: Checking or savings account

On XX/XX/2023 a debit card that I had in my file cabinet at home, that had never been removed from the envelope and never been activated by me was used for 3 separate ATM transactions totaling over {$700.00} in XXXX, TX, a town over 100 miles from where I was that day. I saw the charges on the next day, when I logged into Regions and I immediately called my son ( this is his account and I am on the account with him. ) Regions also charged {$84.00} in overdraft fees and ATM fees. My son went to his local Regions in XXXX Alabama to file a dispute. That was almost 3 months ago. Regions is refusing to replace the money saying that someone used the actual card and PIN to withdraw the money. This is an impossibility because I went into the file cabinet when the banker told us that the card used was the one that had been issued to me. The card was indeed in the file cabinet, in the envelope from Regions that the card had been sent in. I have the card in my possession right this moment. The card absolutely WAS NOT used to make these withdrawals. We have filed 3 disputes and they keep denying the disputes, not giving us any solid reason. I have also filed a complaint with Regions but was told yesterday that NO ONE will be reaching out to me regarding this complaint. I was also told that I could not speak to whomever investigated the fraud. It seems to me that no one at Regions is being held accountable for the decision and we are getting no satisfying explanation regarding their decision. My son is a XXXX XXXX who is supporting himself while putting himself through school. This is a huge amount of money to him and in fact, it was part of his student loan for this semester. Please help us to recoup this money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

All companies listed below have unauthorized inquiries on my credit report, names and dates are included. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During a XXXX XXXX XXXX  a fraud account was discovered reported by Target against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX XXXX XXXX XXXX, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX XXXX XXXX XXXX  over their false reporting.
Product: Mortgage

I am in the process of attempting to refinance my house with a different mortgage company with the hopes to combined my 1st mortgage with Mr. Cooper and a 2nd mortgage XXXX XXXX XXXX that I am dealing with recently on a 2nd mortgage what I thought was included in a bankruptcy back in XXXX. Before the 2nd begin attempting to collect in late XX/XX/XXXX, I was in the forbearance program with Mr. Cooper. I'm in the refinance escrow stage and new lending company requested a verification of mortgage from Mr. Cooper and the report is indicating that I was delinquent during the forbearance period. It is my understanding that Mr. Cooper is not reporting this information as delinquent to the credit reporting agencies ; however, they are indicating on this mortgage verification to the new lending company that I was delinquent during this forbearance period which is not accurate and this is causing the refinance not to go through which can truly cause a hardship and the possibility of XXXX XXXX XXXX not willing to work with me and choosing to move forward with a foreclosure process. XXXX XXXX XXXX, the refinance lending company and I have discussed this discrepancy with Mr. Cooper on several occasions via email, phone calls with no resolution. They have proof of my forbearance approvals and extensions and we can't seem to understand why they continue to report delinquent on this mortgage verification which is incorrect information.