23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred from XXXX to Caliber Home Loans. The first payment due on my account was XX/XX/2016. I made three payments via online banking ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) prior to the transfer. The second payment was applied as a principal reduction so it did not advance my due date according to the statement I received which was fine since we intend to make XXXX payments a month. The third payment to XXXX sent on XX/XX/XXXX was returned to me by my bank and credited back to my bank account on XX/XX/XXXX because their was no active account for the money to be applied to. I " resent '' the third payment to the new company, Caliber on XX/XX/XXXX and have continued to make payments to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. Problem # 1 ... According to my statement, the payment sent XX/XX/XXXX was applied to my account but reversed and entered into unapplied funds, then there was an escrow disbursement for it. I called Caliber to question it and was told they received an invoice from XXXX that they were owed a payment, so Caliber sent them a check. So, my account received no credit for that payment. Problem # 2 ... The balance on my mortgage with XXXX at the time of the transfer was a certain amount, but when I received my first statement with the new company the balance increased by {$460.00}. The due date on the account also varied by XXXX month. With XXXX I was due XX/XX/XXXX, but Caliber was showing me due XX/XX/XXXX. The due date is not a concern to me since we are paid ahead, but I believe this is part of the problem. Problem # 3 ... I 've been in contact with Caliber to discuss my account and the issues with the unapplied payment and balance difference. I 've sent them a bank statement that included all my {$1100.00} payments made for my mortgage account that was requested. I 've requested from Caliber a life of loan history three times. They said it would include my pay history with Caliber & XXXX. I 've requested my account be credited for the unapplied payment, the balance difference from the transfer and a credit for interest I 've overpaid since they reversed my payment. I have n't received the complete payment history. I have n't been getting call backs nor have I seen a credit on my account. I do not know what I can do now to get this resolved and would appreciate any assistance you can provide.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX account number # XXXX has violated my rights. 

15 usc 1681section 602 A : states I have the right to privacy.

15 usc 1681 section 604 A section 2 : they also state a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, the credit reporting company, has systematic policy and procedure failures in verifying and protecting the identity and credit reports of consumers. The agency should investigate for misconduct and/or to hold the credit reporting company accountable towards common industry practices already implemented by the other two credit reporting companies. 

Simply providing an individuals full name, full social security number, and zip code is sufficient to gain access to a consumers Experian account. An identity thief can then hijack the account to add fraudulent information or unfreeze the consumers credit report to initiate a fraudulent credit inquiry. 

Furthermore, their membership support representative are not properly or consistently trained on identity verification of consumers. Having called on three different occasions I encounter two different lax identity verification methods. It is no surprise an identity thief was able to gain access to my account, lock me out of my account, and unlock my credit file in order to initiate a fraudulent credit transaction. 

I hope the CFPB or a plaintiffs law firm can investigate their practices. The failures on Experians behalf in my experience are not unique to me, but systemic to millions of consumers who reply on the credit reporting agency for the integrity of their credit report.
Product: Debt collection

The number that calls ( XXXX ) says to call Collection Bureau of America at XXXX. It is a robo call that does not state whom they are trying to reach. 

I have had the number they are calling ( XXXX ) for less than a year. I think they are looking for whomever had the number previously. 

I called and they want me to leave them my name and number. I refuse until they tell me who they are looking for. 

I have had no debt since I paid off my mortgage in XXXX.
Product: Money transfer, virtual currency, or money service

It was through chime banking. 
XXXX payments to $ XXXX XXXX XXXX XX/XX/XXXX, XXXX pm for {$400.00} Second payment XX/XX/XXXX, XXXX am for {$200.00} Third payment XXXX XXXX for {$50.00} Fourth payment XX/XX/XXXX, XXXX pm for {$50.00} My chime tag is $ XXXX
Product: Vehicle loan or lease

I am a co-borrower on a loan for a new car that my sister purchased in XX/XX/XXXX. The payments for this loan have been paid on time every month up until now with the exception of a late payment in XXXXXXXX XXXX XXXXXXXX. We were both unaware of this late until I was alerted to a change in my credit score in XXXX XXXX XXXXXXXX. When I reviewed my report and discovered the late payment, I contacted my sister who then contacted Nissan Motor Acceptance Corp ( NMAC ) and they discovered that the late payment was a result of the bank not properly processing the payment. We were never contacted by NMAC in XXXX or thereafter regarding the missing payment. Not by phone nor in writing. The payments that were made each month after XXXX were applied to the previous month. I contacted NMAC in writing in XXXX after discovering the reason for the late payment and asked that they remove the late payment since they never contacted us back in XXXX or thereafter to give us an opportunity to make the missing payment prior to reporting a late payment to the credit bureaus. They wrote me back in XXXX advising that they understood the reason for my request but would not remove the late payment. I think it is unfair of them to report a late payment on our account when they never tried to contact us to make the account right prior to reporting a 30 day late payment to the credit bureaus. The account has always been in good standing and we would've corrected the issue right away had we known there was an issue. I would like the late payment removed from the record and confirmation that should any issues with the account arise in the future, that we be contacted first.
Product: Debt collection

KEPT CALLING ALL FAMILY MEMBERS NUMBERS ( SEE aTTACHED IN VIOLATION OF TCPA.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally lodge a complaint against NetCredit ( Servicer ) regarding the denial of my credit application. On XX/XX/year>, I completed an application for a line of credit and was qualified for {$1200.00} after a hard inquiry on my credit report. However, when I requested the disbursement of funds, my application was denied due to : - " my bank account routing number. '' this is all the information that was given as to why I was denied. 

Upon receiving the denial, I contacted NetCredit ( Servicer ) to seek clarification on the reason for this decision. I was informed by a representative that they could only provide limited information about the situation. I requested that my case be escalated to the Resolution Team for further assistance. 

I also called XXXXXXXX XXXX XXXX XXXX  ( Account Owners ) throughout the process of trying to get the situation settled. They are experiencing technical issues and have not been able to communicate with me at all. 

From XX/XX/XXXX to XX/XX/year>, I communicated with a representative named XXXX from the Final Resolution Team. Unfortunately, I found the assistance provided to be inadequate, as my concerns regarding the legality of the denial and the lack of clear communication were not addressed. 

It is to my belief, that without disclosures as to why my bank account routing number has caused the denial, this is considered
Product: Debt collection

THIS IS NOT MY ACCOUNT. NO SIGNED CONTRACT OR MY LEGAL SIGNATURE FOR ANY CHARGES. 

mcm accounts XXXX mcm accounts XXXX
Product: Checking or savings account

Bank for Incompetent Customer Service and Withholding Necessary Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Chase Bank regarding their failure to provide essential account documentation, which has resulted in significant financial hardship. Specifically, their customer service agents XXXX and XXXX from Chase XXXX provided me with inaccurate and misleading information, refused to assist me, and failed to escalate my concerns to a supervisor. 

The issue began when I closed my Chase checking account before XX/XX/year>. However, I had a direct deposit from my employer, XXXX XXXX, sent to this closed account. According to Chase, the deposit was rejected and returned to my employer, yet my employers payroll department claims they have not received the funds back. This situation has left me without my rightful wages for over XXXX weeks, and neither Chase nor XXXX XXXX is taking responsibility. 

To resolve this, my payroll department requested an official letter confirming that my Chase account is closed. I originally received such a letter from Chase but discarded it, assuming I would not need it. Now, despite multiple requests, Chase refuses to reissue the closure letter via mail or email. Additionally, they refuse to provide me with an account statement for XXXX, even though a Chase representative falsely claimed it had been sent.

This is an unfair and unacceptable practice. As a former Chase customer, I have a right to receive documentation regarding my closed account, and Chase is actively obstructing my ability to retrieve my wages by withholding this critical information. Furthermore, their refusal to provide basic account details contradicts their responsibility to protect and assist consumers. 

I am requesting that the CFPB investigate Chase Bank for their failure to provide necessary banking documents, their lack of accountability in handling customer concerns, and their failure to properly manage rejected direct deposits. I also request assistance in obtaining : 1. A formal letter confirming my account closure ( via mail or email ). 
XXXX. A XXXX bank statement proving that no transactions have taken place. 
XXXX. An explanation of where my rejected direct deposit funds are and why my employer has not received them back. 

Chase has failed to uphold its responsibilities, and their refusal to cooperate has directly impacted my ability to access my rightful wages. I appreciate your assistance in resolving this matter and ensuring that Chase Bank is held accountable for their poor customer service and failure to support consumers.

Attached below is my phase stub. But the money is gone. I havent received the funds since I close my Chase account Please confirm receipt of this complaint and provide any updates regarding next steps. I can be reached at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request for XXXX to send credit reports to all agencys who recieved or look up my credit report, as to there has been ALOt of hard inquiry not authorized by my on report I am in the process of disputing, I have medical bills from XXXX XXXX. The have ILLEGALLY and UNauthlrozed by myself exposed my medical records to another agencys without my approval which is covered by HIPPA. I want help, or advice to get off my record. XXXX XXXX XXXX, It XXXX illegal so send/expose my personal medical records to ANYONE or ANY business/agency! This collection has made it very difficult to progress my credit! Also, XXXX XXXX   of XXXX has done the same thing!!!!!! Unauthorized by me and illegal! XXXX XXXX XXXX! I am going to look further into a lawsuit if they do not remove from my report! AS for hard inquirys that need to be removed as to I did not authorize these either, XXXX  XXXX XXXX has multiple inquirys that I did not authorize, XXXX XXXX has multiple inquirys, XXXX XXXX, I have so many but I am going to start off with this complaint. XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX Florida, XXXX XXXX, and XXXX XXXX, these companies ALL have somehow gone on my report!!!!! And need to be taken off please!
Product: Debt collection

the promissory note was sold to an investment trust through securitization, the title of the home is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Refusing to cease and desist all communication except by us mail. They are saying state law allows them. They are violating federal law. Contacted on XX/XX/2020, XX/XX/2020, XX/XX/2020 multiple times after they responded to my first complaint denying they quit and werent doing it. Please see screen shots of the emails we have exchanged. Im going to sue them for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DELETED ON XX/XX/2019 AND WAS RE-INSERTED W*O NOTICE TO CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute of the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Debt collection

Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX, XXXX # XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. JEFFERSON CAPITAL SYSTEMS , LLC  the debtor acting as Debt Collector, is making claim against XXXX XXXX, ESTATE, the Creditor in a total misrepresented amount of {$830.00}. JEFFERSON CAPITAL SYSTEMS , LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts ( company name ) may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. For the record I XXXX XXXX XXXX is due monetary relief for each violation listed about of {$1000.00} per violation totaling an amount of {$4000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling on disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect but has also allowed repeat 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: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. 

However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I have had my Truist business account XXXX since XXXX, XXXX. 
on the XXXX of XXXX, XXXX i made an ACH payment of {$19000.00} from my XXXX business account into my Truist. A couple of days later when i tried to make a withdrawal, i realized my account was restricted. 
I went into a bank branch to complain and this lady told me my account was being reviewed because it was the first time i received a large deposit. She told me i could access my account in 2 days. 
Unsuspecting to me that it was the plan all long not to allow me access my funds, i asked my other vendors to send payments into my Truist checking account XXXX. 
On the XXXX of XXXX, XXXX  i received two wire transfers in the amount of {$40000.00} and {$4500.00} respectively.

Then i received a wire transfer of {$66000.00} on the XXXX of XXXX, XXXX. 
At this time, i still didn't know my account was already fully restricted from any withdrawals until i tried to make a payment with my card and realized i couldn't. 
Ever since then, i have been going back and forth to the bank with no positive response. 
Eventually, a few days back, a representative at the bank told me my account was restricted for 60 days and i won't have access to my funds until it elapses. 
However, she never specified when the 60 days started counting and what day i would be getting access to it. 
To my greatest surprise, Truist bank debited my account in the amount of {$79.00} for SERVICE CHARGES- PRIOR PERIOD. 
This bank won't let me access funds in my account and neither will it specify when I'll get access to my funds but was able to debit my account a services not rendered. 
I currently have {$130000.00} left in my account with truist bank and my company name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Product: Mortgage

We have a home loan with Wells Fargo Home Mortgage. We are attempting to refinance our home with another company and when they ran our credit report, they found that Wells Fargo has not submitted our payment information for the last four years. When they call Wells Fargo, they admit there have been no missed or late payments but they refuse to submit the information to any bureau. This neglect has lowered our credit scores and prohibited us from getting a conventional loan. This is going to cost us thousands of dollars over the coming years.
Product: Checking or savings account

I have been a Wells Fargo customer for many years and the fees and charges they keep piling on Im questioning the legality of these actions. Ive fallen on hard times and normally live paycheck to paycheck and on occasion overdraft. Wells Fargo charged multiple overdraft and insufficient fees which hinder getting things back on track. They always authorize the overdraft seemingly to just brutally charge the consumer many many fees. I had good relations with the employees at the XXXX XXXX branch but this is higher than them. An investigation into this would be greatly appreciated. Please help.
Product: Checking or savings account

On XXXX XXXX, 2022 I was checking bank statements from an account that I had not used recently and discovered a {$5.00} fee on my checking account with Cadence Bank. The account had never had fees charged in the past. This fee had been charged for the past 6 months ( {$30.00} total ). I had not been regularly checking the statements as I knew I had not been moving funds in or out of the account recently. 

I contacted Cadance Bank 's customer service number and was informed that the charge was due to inactivity on the account. I asked if they could point to where in the customer service agreement they had the ability to charge a fee for inactivity and they stated that if they deem the account " abandoned '' they can begin charging additional fees. No where in the terms of service is this {$5.00} fee listed or any information given on when they can classify an account " abandoned ''. I was also given no warning that these fees would begin to be charged. 

I visited a local branch at XXXX XXXX XXXX, XXXX, XXXX and spoke to the Branch Manager about the charges. She stated that it was my duty to monitor my statements and report any fraudulent charges by the bank. This is unacceptable in my opinion that a bank can make up additional charges and fees, not notify the customer, and hold the customer accountable for those fees. I believe this is a an illegal act by the bank as I did not consent to the extra fee, and the fee is not listed in the Cadence Bank fee schedule or in the terms of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. 

The following account name - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX