23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was refunded {$3000.00} for a canceled cruise. The credit hit my account on XX/XX/XXXX. The money was available to use for point of sale purchases. On XX/XX/XXXX I put a request in to transfer the money to my checkig account. I was advised that it would be complete within 3-5 business days. I called back on XX/XX/XXXX to check the status and was advised that it is still under review. The rep stated the funds were still under review to make sure the refund was valid and could be processed. My account balance states XXXX. I have been using the funds to conduct point of sale transactions which they make money off of but it is frozen for me to send to my bank account. I asked if I could do a cash advance at my bank to obtain the funds and they said I can but it will be a {$75.00} fee. They want to charge me to get my own money? I spoke to an account manager XXXX who refused to waive the fee or put me in contact with her manager. I want my money released and then I am closing this credit card out. Horrible non existent customer service.
Product: Mortgage

On XX/XX/2023 I closed on a house and the funds to pay off the mortgage were sent to BSI Financial through the title company 's bank. 12 days later, BSI returned the funds. The bank verified the info and resent the funds. 10 days later, BSI returned the funds again. The wire listed the loan number, name of holders of loan, address of property. After several phone calls, BSI confirmed that wiring info was correct and that they had received the funds all 3 times. They are saying that not all the info is on the wire, but it follows the wire instructions provided by their company, gives the loan info to locate the loan, and pays off the mortgage in full, and they were able to identify the wire as being associated with my mortgage. BSI is refusing to accept the funds, will not talk to the title company or sending bank, is telling me they see the money but will not apply the funds and will not tell me why. After many phone calls, they are now saying the sending bank is missing info which is not correct and not listed as necessary info on their own payoff instructions for wiring funds. They are also holding the funds for at least 10 days or more at a time before returning the wires and are saying they are going to hold this 3rd wire for 10 days as well, all while charging me interest for at least 32 days total. All I want to do is payoff my mortgage and BSI Financial is refusing to allow me to do so. They have verified they received the funds and verified the info is there. They are making excuses that my full name is not on there because both borrowers share the same last name and the wire lists XXXX XXXX XXXX XXXX rather than XXXX XXXXXXXX and XXXX XXXX. It is clear that this lender is more interested in charging undue interest and are refusing to lose this loan by having it paid off. They also refuse to escalate the issue and hang up on me when I ask to escalate the issue.
Product: Checking or savings account

I've been banking with Wells Fargo for over 10 years. During that course I had free cashier checks on my account. Apparently, the type of checking account I had was discontinued and they automatically transferred me to their new version of that type of account I had. When I asked what would change, they told me basically everything would stay the same it was just a new version of that past discontinued checking account. Recently I went on their website and ordered a cashier 's check. I have included a PDF showing screenshots of the exact steps I took to order this cashier check online. No where did it disclose additional fees to me nor gave me the option to accept these fees to proceed. So naturally I carried on with ordering my cashier 's check only to receive an email the next day that my account would be charged the cashier check 's amount plus XXXX $ cashier 's check fee and XXXX $ shipping. I immediately called to cancel check since I was never made aware of these fees and bank representative told me it was too late to cancel, and they could not waive the fees. I asked why I was even charged the cashier 's check fee if my account had these free and they told me that is because my account type was discontinued and automatically transferred to this new one that did not offer free cashier 's checks. I then asked why when ordering it did not disclose these fees to me then then and I was told they were unsure. I asked to speak to a supervisor, and they told me they didn't have one they could transfer to. New procedure is for them to submit an escalation request or formal complaint and within XXXX business days someone would reach out to me. This is a scam and theft. I was not advised of these fees ; I did not agree to these fees and I'm guessing they are hoping clients don't feel like waiting XXXX business days for a possible resolution for XXXX $ and just let it go. I'm hoping this brings light to this scam and others do not fall victim like I did.
Product: Debt collection

XXXX Amount {$90.00} for each months The company dispute the collections from the other credit bureau but on my XXXX its still there and I keep dispute it but its still there. The company is no longer in business so its no way to contact them the company is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this XXXX concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number XXXX XXXX creditor : XXXX XXXX Account XXXX XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 



Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Product: Checking or savings account

3 unauthorized ATM charges were made on my savings and checking account : ( 1 ) 1 transfer transaction between my savings account and checking account in an amount of {$380.00}, ( 2 ) 1 ATM withdrawal in the amount of {$1000.00}, and ( 3 ) 1 ATM withdrawal in the amount of {$600.00}. These charges emptied my total funds in my checking account leaving me with {$76.00}. I made a fraud claim with Chase and they provided the temporary hold for the first transaction but they still have not provided the credit for the other two transactions, totaling {$1600.00}. They said that these were not physical ATM transactions but online XXXX XXXX  payments and they are still investigating these transactions. I have been following up with them everyday and I still have not received my credit.
Product: Checking or savings account

I am writing to report a concerning incident in which an account was opened with Bank of America without my consent. I have recently discovered that an account was established in my name, and I had no knowledge of or involvement in this process. This unauthorized account raises significant security and privacy concerns, and I am deeply troubled by this breach of trust. I kindly request your assistance in investigating this matter and taking appropriate action to rectify the situation promptly. Your prompt attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to get a XXXX XXXX, I specifically told them not to do more than 2 pulls because I didn't want any hard inquires on my credit, however I ended up with more than 16 hard inquiries from XXXX XXXX without my consent. Also there are some credit cards applications that I do not recognize.
Product: Debt collection

I was a victim of the data breach for XXXX and XXXX  my information was compromised and some Accounts were opened in my name apparently I didn't know they were until I started getting overwhelming amounts of phone calls and emails from debt collectors regarding these accounts. I tried working with a company to help me dispute and get these things removed my report and a couple were but majority have not been removed and keep coming back verified by the bureaus. I requested debt validation letters from the debt collectors resurgent and XXXX XXXX XXXX resurgent responded by sending me credit card statements for each account and I have yet to hear anything from XXXX but it is still within the 30days they have to respond
Product: Mortgage

Dear CFPB Officer I am reaching out to you after one year of hardship and harassment my family has been going through after starting a XXXX-FHA HUD whole home renovation loan. My family includes XXXX small children and my wife. We have been living in the corner of our basement since last year ( XX/XX/XXXX ) as a result of contractor fraud and lender irresponsibility. Everybody including myself in the family got sick several times as we live in the cold and unhealthy living conditions while paying $ XXXX monthly mortgage to the lender. This mortgage includes the money ( $ XXXX ) held by the lender on which I have no control. Two contractors played fraud and got away with the money they wanted. 
Our house is a XXXX built old ranch, we bought in XXXX as our dream home. Hurricane Irene and hurricane Sandy took a toll on us but through hard work and doing multiple jobs we maintained the house to the best of our ability. In XXXX during recession we got some hardship-money from NJ State home finance and we had to pay back fully to XXXX ( NJhousing.gov ) to get the current loan. Even though this was not a cash-out loan XXXX insisted to pay back the full amount so we had to add XXXX to the loan to get the XXXX Renovation loan that made out total mortgage to {$620000.00}. XXXX didn't give us any receipt of receiving that money nor gave us any discharge letter. Now the lender ( Guaranteed Rate Inc ) is holding all the loan amount we received for the renovation and receiving the interest rate for the money I never used and we are paying mortgage for a house we do not live in. The project was supposed to be completed by XXXX of last year but didn't happen due to contractor fraud. The lender holds the money and releases money only to the contractor. We already paid {$46000.00} as mortgage since last XX/XX/XXXX for the money lender is holding. Until today we have no house to live in, we still live in the cold basement. 
Please do the needful to give us justice. 
Yours Sincerely XXXX XXXX
Product: Debt collection

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law XXXX5 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  are reporting accounts that have been sold and inaccurate information and misleading that make accounts look like they are active when they are not .I feel like they are not investigating like they should. I get my results back as updated and nothing changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called chase bank couple times and see if they can add my XXXX XXXX rewards credit card back onto my XXXX  report so far no answer and it still hasnt added back to my report and its hurting my credit score and I dont want lose my other credit cards and have my score to be in a bad credit status and no one is able to added back I never called in to XXXX and reported this account fraud or request a fraud block on my chase account ending XXXX and my current credit score is XXXX and that not good at all
Product: Mortgage

i applied for a mortgage forbearance with Select Portfolio Servcing through the COVID Pandemic and has applied to the company for a Mortgage Modification and have been denied and the only thing offered to me was a short Sale of my home. It is my desire to stay in my home and not loose my home. 
I have found a HUDCounselor to help fight this issue and I need assistance in this matter. Attached is the Loan Information.

Borrower Name ( s ) XXXX XXXX XXXX XXXX XXXX Account Number XXXX Due By XX/XX/2021 : {$64000.00} Thank You
Product: Debt collection

This has been reported as a " returned check ''. The returned check was over {$200.00}. I visited the store with cash in hand and picked up the check. They said that there was an additional charge for the the returned check. I told them I did not have that and they said they would take care of it. In my mind that meant it would be waived.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, XXXX and TransUnion credit reports, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, We are writing to dispute the following accounts that have been reported on our credit report. We believe that these accounts violate the following laws : XXXX. Fair Credit Reporting Act ( FCRA ) XXXX. Fair Debt Collection Practices Act ( FDCPA ) XXXX. Fair and Accurate Credit Transactions Act ( FACTACT ) XXXX. Truth in Lending Act ( TILA ) XXXX. Real Estate Settlement Procedures Act ( RESPA ) XXXX. Equal Credit Opportunity Act ( ECOA ) XXXX. Fair Credit Billing Act ( FCBA ) The following accounts have been reported on our credit report, and we believe that they are in violation of the above-mentioned laws : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account We request that you investigate these accounts and provide us with a written explanation of the results of the investigation. We also request that you remove any inaccurate, incomplete, or unverifiable information from our credit report. 

Thank you for your prompt attention to this matter. 

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

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some accounts listed have reporting errors, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was in process of buying a home and my mom had sent me {$10000.00} on XX/XX/2022 to help with the down payment and closing costs in the form of a regular bank transfer. The mortgage lender had already verified all of my funds and the loan was clear to close on XXXX. On the day of funding, XX/XX/2022 I set up wiring instructions with Ally bank to wire the money to the title company so that they can record it and my loan would close out. 

I successfully put in the wiring instructions and got multiple email confirmations of it from Ally. Out of nowhere, I get an email from the bank 's " loss prevention '' department asking me to call them. I call them, and they begin questioning my deposit, saying that the deposit " didn't have my name on it '', but instead read " XXXX XXXX ''. I explained to them that my mom sent me gift funds for my real estate transaction. They said they needed to verify that those funds did in fact belong to me. 

My concern is, why did they wait until they realized that they were losing {$10000.00} to decide that they wanted to " investigate '' my banking activity? They had over a week and a half to question me about my " suspicious activity '' but waited until they saw that I was transferring money out of my account with them to question it. The last time I spoke with them they were telling me it could take up to 90 days to straighten this situation out. I don't have 90 days to wait for them to give me my money back! 

They now have me locked out of my account and will not release my funds to the title company. I'm facing losing the home that I was supposed to close on and losing my earnest money deposit. This is clearly bank fraud. I clearly explained to them where the money came from and why it was there, and why it was leaving. All of this information was verified by the lender. 

It's my belief that Ally bank blocked the transaction from going through and is not allowing me to access my money because they fear a decline in their company 's balance. They have caused serious injury to me and my family and their practices need to be investigated.
Product: Student loan

This debt is for a closed account. The company will not submit documentation to owner of the loan ( myself ) with proof of payments. Furthermore, I have documentation ( bank statement ) of a {$3000.00} payment made by the cosigner of the loan in 2014 which can not be located by the company Navient. At this time, I have been requesting for years all of the documentation listed below : Preferably all documentation pertaining to XXXX XXXX XXXX. If for some reason this is too difficult, I 've singled out several key items : Monthly Financial Transactions ( Statements for each loan ) Documentation of Defaulted Status Principle and Interest Payment Documentation for receiving of payment in 2014 Loan Status Marked as Delinquent for XXXX credit status - Requesting documentation of change from Default Status to Delinquent status. Please mail these documents to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Mortgage

My Equity Loan was originally w/XXXX XXXX XXXXXXXX which they eventually sold my load to Caliber Home Loans. XXXX XXXX XXXX had made many, many, many inconsistencies w/my loan before they sold it & Caliber Home Loans continued to make many more inconsistencies & even made demands that I pay {$2200.00} immediately or they would foreclose on my home. I have always paid my Loan payments on time w/XXXX & Caliber & I always tried to ask both Banks many, many, many times for answers as to why they always charge me late fees, extra interest, Lawyer fees, other fees & also why are my monthly payments increasingly larger. You will see in the documents that I have sent that they have been unrealistic & make no attempts to rectify these issues. I tried in vain many times to talk w/these people at Caliber Home Loans & nobody has ever given me an answer or any help at all. They always turned me away.
Product: Debt collection

I received a notice from a debt collection agency regarding a medical bill totaling {$1500.00} from XXXX XXXX XXXX  Hospital for XXXX XXXX   dating XX/XX/18. I was informed by my social worker Medicare would cover any remaining medical expenses after XX/XX/18. I have XXXX as my primary insurance and Medicare as my secondary insurance. I have called XXXX hospital 's billing office at least 7 times to tell them bill Medicare as my secondary insurance. As far as I know they are waiting on Medicare to pay the remaining balance. I was never notified of this debt being sent to collections by XXXX. It should be covered in full by XXXX and Medicare. The collection agency is State Collection Service XXXX XXXX  XXXX XXXX WI XXXX. Phone number XXXX XXXX billing office isXXXX
Product: Credit card

XXXX XXXX  became XXXX in the past month, Notices were sent regarding this change. Letters from a month ago disposed of. 

Revel sending emails regarding activation of new card, and perhaps lost or stolen if not received. Possible, but mail in building secure. 

Emails have a number to call to report. 

# will not any progress to speak to anyone without card/account #. 

Perhaps in this time, late fees and interest are being accrued without resolution.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXXXXXX ( CFPB ) has 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 adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed 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.