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

My mother ( XXXX XXXX ) passed away on XX/XX/XXXX in XXXX XXXX. She was temporarily in XXXX and had a permanent address at XXXX XXXX XXXX  XXXX XXXX WA XXXX which is also where I live. 

I have been trying to get her Chase account ( see attached bank statement ) released to me per State of Washington law using the Small Estate Disposition process. I also happen to be the Power of Attorney on this account also. 

I have provided Chase a notarized affidavit for the Small Estate in accordance with State of Washington law XXXX. I have provided them a Report of Death signed by Vice Counsel for the US Embassy in XXXX XXXX. I have attached both of these in my complaint. 

Residency as defined by State of Washington has to meet one of the following : Maintains a residence in Washington for personal use ; Lives in a motor home or vessel which is not permanently attached to any property if the person previously lived in this state and does not have a permanent residence in any other state ; Is registered to vote in this state ; Receives benefits under one of Washington 's public assistance programs ; Has a state professional or business license in this state ; Is attending school in this state and paying tuition as a Washington resident or is a custodial parent with a child attending a public school in this state ; Uses a Washington address for federal or state taxes ; Has a Washington State driver 's license ; or Claims Washington as a residence for obtaining a hunting or fishing license, eligibility to hold public office or for judicial actions. 

My mother met several of the Washington State residency requirements above at the time of her passing. 

I am requesting her bank account is released to me immediately. It is shocking that a large bank such as Chase would not release her funds to her son. 


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

XXXX, XXXX are still reporting outdated incorrect information regarding Santander Consumer USA. I do hot have a balance with Santander Consumer USA of any kind. The balance should be XXXX. Santander has not reported any updates since XX/XX/2014. This information needs to be fix to show my balance as XXXX or remove from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loans are not the same on all 3 credit reports so something is inaccurate and I would like it removed
Product: Mortgage

I refinanced a mortgage with BSI Financial on XX/XX/2018. Prior to closing, they received a copy of my updated homeowner 's insurance along with an invoice. The total ( {$850.00} ) was paid from proceeds from the closing, and listed as a line item on the closing statement. 
A few months later I began receiving letters that I did not have homeowner 's insurance and the lender would purchase forced place insurance. 
I called a few times and was told a ) uploading it online wouldn't work, b ) the insurance from closing must not have gotten to the correct department at BSI c ) they would contact my homeowner 's insurance company and all would be fine.

Today I receive a letter that BSI has purchase forced place insurance and they are billing me for {$870.00}!!

This is FRAUD.
Product: Debt collection

On XXXX XXXX2021 a collection account from KINGSTON DATA AND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was reported on my transunion credit account without any attempt to contact me through phone or through mail about the debt. This is an old gym membership that closed and went out of business. I have tried to contact the number reported on my credit account and the number is out of service. Havent been able to contact this company to get this issue resolved and removed from my credit report.
Product: Debt or credit management

National Credit Systems reached out to me regarding the XXXX XXXXXXXX account, and we agreed to make a partial payment and that they would remove in its entirety from my credit report. 

I made the payment, but they did not remove as promised. 

I am requesting that this debt be removed as agreed. When I reached out to them today, they were very argumentative and disrespectful until I decided to hang up the call. 

I am requesting this account to be removed! 

Account # XXXX Original Creditor - XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/XXXX I have been disputing an item on my credit report, reported by a debt collection agency known as Transworld Systems. I have repeatedly advised that the account they are reporting does not belong to be. They sent me a copy of the bill from the original creditor, XXXX XXXX. This bill listed my name, a service address, service dates in XX/XX/XXXX, and cost of service during the service dates in XXXX. I have provided documentation, including a copy of a deed that proves the service address was not owned by me ( nor is it anyone I know ), and a copy of a lease that proves I did not reside at the service address and my address was completely different. Despite this evidence, the account continues to be reported on my credit reports. I have requested debt validation and have asked for any and all evidence/documentation used to determine account accuracy on their end. I have also advised them of my rights under the fair credit reporting act, as well as their legal obligations. They continue to tell me that they will not remove the account because they were only a 3rd party hired to collect and that they do not have any obligation to prove account accuracy. When I requested to speak with another supervisor today, they " transferred me '' but only lead to a disconnected call.
Product: Student loan

Issue : I want the forbearance that was applied from XX/XX/XXXX through XX/XX/XXXX, to be removed from my account. I was never told that my loans would enter forbearance and I continued to receive bills each month, so I made the payment for each of those months. While only one payment was made for XX/XX/XXXX, Mohela drafted a double payment ( see attached banking statement ). Now my account is paid ahead by two months. When I called Mohela about this on XX/XX/XXXX, the agent I spoke to said that they could not see where a double payment was applied to my account. They were only able to find one payment made manually on XX/XX/XXXX for {$220.00}. He said the forbearance was applied because of the XXXX XXXX application being approved on XX/XX/XXXX. It looks like Mohela applied a forbearance without completing due diligence by checking there wasnt already a payment pending on the account. 

On XX/XX/XXXX, I called Mohela to request a refund of my XX/XX/XXXX payment because I was told my account was placed in forbearance and that the month would still count for XXXX due to billing issues on Mohelas end. When I called Mohela on XX/XX/XXXX to follow up on the request since it was after 90 business days, Mohelas agent told me the request was never submitted and he resubmitted the request. I find this unacceptable, and I want Mohela to expedite/escalate the processing of the request on their end, even if they can not expedite the actual refund since it is done through treasury.
Product: Credit card

I have a Capital One card with a 25.1 % interest rate, but it was higher than that for years. I have been calling for years to lower that rate but they never help me. I ca n't seem to get it down, and I am only working part time XXXX. I was laid off my full time job a year ago and I just want to get rid of that card. I also have another card with them and have always paid on time, and more than the minimum payment.. They just tell me to keep calling back and I do call back and get no results..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occassions to resolve the removal of account of my report, they keep saying they investigate but never provide any details as to whom and what was provided to them showing it belongs to me, in which this account does not belong to me and should not report as collections. 
1. XXXX XXXX XXXX {$6000.00} is a debt showing from XXXX which is not listed on any of my CBR reports. This account does not belong to me, I called XXXX XXXX and disputed this acct and advise never had a car for this company they refer to XXXX XXXX whom claims this has been closed and statue of limitations has run out since from 2012, this account needs to be removed off my CBR, When I called XXXX which is part of XXXX XXXX they have no record. So not sure where they are getting the information this is mine, I have requested a numerous times proof of debt, proof of possession, signature card, this account has been open via fraud by the car company XXXX XXXX XXXX XXXX and I never took possession of the car that they are stating belongs to me.
Product: Credit reporting or other personal consumer reports

I have been with Synchrony Bank via " Care credit '' which is a line of medically related credit. I always made my payments on time, online, using my same bank. When it came down to the last payment owed, Synchrony bank said that my payment was declined. I never wait until the due date to make payments, so I went and made sure the money was in fact there and that the account were accurate, and resubmitted the payment. Some days later I got another email saying the payment was declined. I looked online and Synchrony bank showed no balance, so I assumed the email was an old communication. But then I got ANOTHER email saying that my account was now flagged as delinquent. So again I went online to see what I could see about WHY the payment wasn't being processed. I submitted the payment AGAIN, but this time I also opted to speak directly to an agent immediately following my online submission. He suggested that the previous payments didn't go through due to insufficient funds, which was never the case. He also implied my own human error in entering the account information, which also wasn't the case as I had saved the account information on throt system for fast easy payments. He said he could see the payment attempts. I asked if there could have been an error on their side of the automated process, and if we could please go ahead with a manual payment to insure it would not be rejected again. I also asked what could be done about the credit reporting, as I have never made a late payment to them or to ANY account. He said that I would have to take it up with a credit reporting agency. Then Synchrony bank closed my account, citing dishonored payments as the reason! This is unfair credit reporting, as it wasn't my fault their system stopped accepting payments randomly at the last payment due! Please note that the account has been settled in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB Complaint to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. I am submitting this CFPB Complaint today to inform you that you are reporting a different information on my XXXX XXXX. You are presenting data on the account XXXX  XXXX XXX Opened XXXX. XXXX, 2019 XXXX {$0.00} that is distinct from that of other bureau. I always make my payments on schedule and this account has never been late. In your bureau, this account is simply reported as being late. This account should have never been late if your record-keeping was accurate. I need to update this account right now since, according to the FCRA, reporting of account information must be accurate.
Product: Mortgage

XX/XX/XXXX Copy to : NewRez LLC NewRez LLC XXXX XXXX XXXX ITS Successors and/or Assigns XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX Loan XXXX XXXX ( Loan transferred to NewRez XX/XX/XXXX ) Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Forced Placed Excess Flood Insurance XXXX To Whom It May Concern : XXXX XXXX forced placed {$130000.00} of excess flood insurance, issued XX/XX/XXXX, effective XX/XX/XXXX to XX/XX/XXXX ( copy attached ). 

XXXX XXXX has historically waived the excess flood insurance requirement, because individual XXXX  insurance for our condo building is not available. 

Regardless, the forced placed excess flood insurance for the full current XXXX  amount of {$130000.00} is NOT appropriate, because the condo building already has {>= $1,000,000} of existing private+XXXX insurance ( copy attached ). Our units pro rata amount of existing insurance, reflecting the total units of XXXX in both the south and north towers is therefore XXXX  XXXX {$65000.00} Therefore, it is our position that excess flood insurance should not be required since the XXXX will not insure the individual unit. And, regardless, our excess flood insurance amount if required should be the maximum of the XXXX MINUS {$65000.00} ( for XXXX as of placement date therefore {$130000.00} - {$65000.00} = {$68000.00} of potential excess flood insurance required ). 


I look forward to hearing your response to the above after reviewing the attached documents.
Product: Vehicle loan or lease

Issue is with Huntington National Bank not forwarding my overpayment funds within 10 day service level. 

1. my account was paid off in full and closed first week in XXXX. 
2. XXXX XXXX sent check {$13000.00} end of XX/XX/XXXX. Huntington received on XXXX XXXX  and cashed on XXXX XXXX 4. I called Huntington on XX/XX/XXXX & XXXX verified above & would investigate. 
5. XX/XX/XXXX, supervisor stated XXXX would get back to me. Supervisor did confirm the standard service level for refund of overpayment is 10 business days! 
6. I sent XXXX email after XXXX on XX/XX/XXXX, since no update. 
7. Finally on XX/XX/XXXX, received email from XXXX stating still working on refund. Also working on GAP refund with dealership. 
Replied with a thank you. 
8. XX/XX/XXXX requested update but no response as of this email. 
9. Accident happened on XX/XX/XXXX, and XXXX took till XX/XX/XXXX to approve to pay off loan. 
10. I am paying 22 % interest on credit card for expenses from accident. Interest on {$13000.00} is adding up. I am not getting reimbursed for that. Also I am retired on fixed income. 
11. I would like for the {$13000.00} monies be released immediately and I wait for GAP to complete processing. ( XXXX XXXX was CC so they may help expedite any GAP processing on their end- thanks ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX replied back to complaint XXXX file on XX/XX/XXXX back to the Consumer Financial Bureau by Company Responded saying on XX/XX/XXXX request to the credit bureaus for removal of any information concerning the debt.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

Dear Consumer reporting agencies I'm requesting a method of verification for the identity theft report I filed on XX/XX/year> its been over 4 days and nothing has been resolved. According to Section 611 ( a ) ( 6 ), I understand that you are required to share how this information was verified by detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company ( XXXX XXXX XXXX  ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : DEPT OF EDXXXXXXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2ND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Due Diligence from Equifax was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.
Product: Payday loan, title loan, personal loan, or advance loan

I was trying to get a loan through American Express, and they contacted me and I answered and they wanted all my information which I thought was normal, well they sent me XXXX $ and they wanted me to send it back and then they would send me 2000 and I told them I was fine with XXXX and a couple days later my bank was negative XXXX $
Product: Debt collection

Received mailed communication from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX. XXXX on XX/XX/2019, file number XXXX XXXX XXXX and one on  XX/XX/2019, file number XXXX XXXX XXXX. I called their office and they said the file was closed. I spoke with XXXX XXXX she indicated the company had " pulled back the file '' on both of these matters. I asked for a written communication verifying at the present time they were not collecting a debt. She refused, I explained that the legal notice they sent me indicates I must respond in 30 days and I need something in writing from their company telling me they were not collecting a debt presently. I explained if I didn't respond on whether I owed the debt or not within 30 days there were legal ramifications, I couldn't risk not responding by mail and having them take my silence a validating the debt that tried to collect and now refuse to send me written acknowledgement of the status. I asked her to check with her supervisor, she came back on line saying they would not send anything in writing. I asked for her supervisors name and she said it was XXXX XXXX. This entire call was in the office of XXXX XXXX XXXX XXXX of Michigan 's customer service center. I had to take time off from work to try to get this bill straightened out ( 2nd time for these same bills ). The XXXX customer service representative was taken aback by this companies unwillingness to provide this documentation. I assert I have a legal right to a written status of the collection action they started against me. They refuse to provide it!
Product: Credit card

My XXXX  XXXX credit card account was transferred to collections even though I was making monthly payments on it. I understand they were lower than they wanted but it was what I was able to pay. I made an arrangement with XXXX XXXX XXXX to pay one account and told them I couldnt pay on the other until I paid the first one off. They sent my account to Lloyd and McDaniel collection lawyers. I disputed my debt in writing on XX/XX/24. On XX/XX/24 I received the information and contracted the law firm and made an initial payment of XXXX $ I told them I will continue to make monthly payments and when I paid off the other card balance I would encrease my payments. I received a call from XXXX XXXX at extension XXXX from Lloyd McDaniel on XX/XX/24. She told me. Low suit was filled against me on XX/XX/24. I asked her how this was possible since I disputed the debt. She said oh you want to dispute it Ill put it in dispute right now. I said no you should have put it in dispute when you got my email regarding the dispute. How is it that they were able to file a law suit against me when I hadnt even recieved or reviewed the paperwork they sent me regarding to the dispute? I just want to make sure my rights havent been violated. I am desperately trying to pay off all of my debt as quickly as possible but my financial situation has changed significantly since I incurred the charges. I appreciate any information you can offer me in this matter. Thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which underscores serious issues with the platform. Despite multiple transactions through Zelle and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers, but also allowed repeat offenders to exploit the system, leaving users highly vulnerable to scams.