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

I am a XXXX  that has accounts with Bank of America and have been charged with monthly card maintenance fees for the past 4 months starting XX/XX/XXXX. With being a XXXX  I do not get charged with monthly card maintenance fees until I am XXXX. I have called numerous times about this issue and have been told each time that they will leave a note under my account that I am under XXXX and to stop charging my card. I have continued to receive these charges each month and recently got one on XX/XX/XXXX. Each time I have called I have been issued a refund expect the charge in XXXX, but the charges continue to happen the following month and no one has stop charging my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX
Product: Student loan

I have been in a constant struggle with Navient in reference to my astronomical student loan debt. I have been paying since XX/XX/2011 and have had problems at every juncture with this company. I can not begin to explain the stress, aggravation, and complication my mother and I have experienced with dealing with Navient. There has been instances when customer service representatives provide the wrong information, place is on long holds then disconnect the call only to repeat the call process sometimes three or four times in order to speak with a customer service representative. Furthermore, the money allocated has never been allocated properly. I have also not been able to pay XXXX a month and have taken forebearances. That only makes matters worse and increases your payment after three months. All in all I have been screwed by Navient from the start and someone needs to hold them accountable for there terrible customer service, there unforgiving mistakes that have caused me and my family stress.
Product: Checking or savings account

On XX/XX/year> a party got into our online banking account ( XXXX XXXX XXXX ) at Synovus Bank of XXXX, FL and created several unauthorized ACH payments to another bank. I received notification of activity in our online banking account and logged in myself. I discovered several unauthorized account transfer transactions and several unauthorized ACH payments, all being sent to multiple accounts at a single receiving bank. I was able to cancel 6 unauthorized ACH payments, but 2 unauthorized ACH transactions were processed with effective dates of XX/XX/year>. The first unauthorized ACH transaction was {$37000.00} and the second unauthorized ACH transaction was {$60000.00}. I got on the phone with Synovus Bank Customer Care on XX/XX/year> within XXXX minutes of the first unauthorized ACH transaction being created. The agent told me she had identified the 2 unauthorized ACH transactions as fraudulent and told me she had frozen the account and XXXX online banking and that no funds should be able to leave the account. 

I arrived in person at Synovus Bank XXXX when they opened on XX/XX/year> and met with our relationship banking team and they indicated they were working on the event that created the unauthorized ACH transactions. Several weeks went by with little communication from the bank and virtually no substantive information was given to us regarding specific activities that may have taken place both on the day of the unauthorized ACH transactions and after. Synovus Bank 's entire explanation about the XXXX  is that we, XXXX, were hacked and its not their responsibility. They refused to acknowledge that they were notified, as instructed by their own instructions from their website and online banking notifications, and had the ability to stop the unauthorized ACH transactions from leaving Synovus Bank.

Our stolen funds have not, and never were, restored to our account. We continue to bank with Synovus Bank using new accounts.
Product: Debt collection

On XX/XX/2023, in my spam email is a scam email asking for money for a non-existent loan from a company I have never heard of nor contacted. I was going to report to this to the FTC but my choices had me redirected to the CFPB.
Product: Debt collection

5 calls within 6 hours ( from XXXX to XXXX ). I have snapshot of calls on my phone. This is my sisters debt that I cosigned via Sallie Mae for school loans. They know I am not primary. She did not receive any calls today. She has scheduled automatic monthly payments with them that come out on XX/XX/XXXX ( today is XX/XX/XXXX ). 
XXXX XXXX is the number that called and XXXX was the name given on the voicemail. 
As a night shift worker who sleeps during the day these calls were extremely disruptive and I am quite annoyed that despite numerous communications via my sister and I they continue to 'prematurely ' harass me for a payment that is not even due yet. Hopefully this complaint helps rectify that. Thank you.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, such as Transunion and XXXX, must carry out their responsibilities with fairness, impartiality, and a commitment to respecting the consumer 's right to privacy. As the consumer, I assert my right to safeguard my private information, as supported by 15 USC 6801, which underscores the congressional policy that financial institutions, including furnishers of information to credit agencies, are obligated to uphold customer privacy and protect nonpublic personal information. 

In line with 15 USC 1681, Section 604 ( a ) ( 2 ), I want to highlight that any disclosure of my consumer report must strictly adhere to my written instructions. As of now, neither the financial institution ( furnisher of information to credit agencies ) nor the consumer reporting agencies ( Transunion and XXXX ) possess my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. 

Referring to 15 USC 6802 ( b ) ( c ), it is clear that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their nondisclosure options. Unfortunately, the furnisher of information to credit agencies failed to provide me with an explanation of how I can exercise my right to nondisclosure. 

Moreover, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information in a consumer report without authorization. The current reporting of adverse information without my permission is a violation of this provision.

The FCRA, in 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, explicitly states that furnishing inaccurate information to consumer reporting agencies is prohibited. Transunion and XXXX, by not maintaining reasonable procedures as required by 15 U.S. Code 1681e, are failing to abide by the law. 

Lastly, following 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services at any time. It is imperative that my wishes are respected and that my private information is handled in strict compliance with the relevant statutes and regulations.
Product: Credit card

Heres a revised version using only that part : Dear [ Agency Name ], I contacted Capital One about making a payment to pay off my credit card. I worked hard, regardless of the weather, to settle my debt with them. After making the payment, I received another call from them stating that I had paid the wrong amount. I asked for the correct amount and was told it was {$570.00}. I paid this amount immediately, believing everything would be resolved. 

However, I am still being charged late fees, interest fees, and past-due fees. When I contacted them again, I was met with an apology, but that does nothing to address the ongoing issue or the strain it has caused me. Below, I have provided all the relevant charges, dates, and amounts for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one dryed to apply for a capital one credit card with out my permission
Product: Mortgage

Dealing with Dovenmuehle has been totally frustrating and I look forward to not having to deal with them in the near future. Their customer support is awful, to the point that they have given me wrong information on a couple of occasions, which is unacceptable! I have called them on several occasions, only to be put on extraordinary hold times or being abruptly disconnected. 
As you know, I was hospitalized in XXXX and XXXX with a XXXX XXXX which, fortunately, has now gone away. However, there was a glitch in XXXX, where XXXX posted my monthly payment late and they have no explanation. See below As you can see, my XXXX payment was not made until XX/XX/19 for reasons unbeknownst to me and my payment was marked late. Since the Internet at the hospital was very spotty, I was unaware of this and Dovenmuehle only communicates via snail mail. They did not re-submit the payment until well into XXXX, they never called me, and I am at a loss to explain why, causing me to be 30 days late unnecessarily. Needless to say, I am at a loss to explain why this happened and Dovenmuehle says that it is XXXX fault. Note that I never had any late payments before last XXXX ( see below ) and they could have been more accommodating, to say the least. 

Then in XXXX, I again faced another calamity, this time by one of their own customer support representatives. They proceeded to tell me that I had made a duplicate payment in early XXXX and would re-post one of the payments for XX/XX/XXXX, saying that I did not have to make an XXXX payment at all. 

I heeded their instructions. When I say a late charge for the XXXX payment in XXXX and not seeing the XX/XX/XXXX payment posted, I called Dovenmuehle again, only to be told that the XXXX agent made a mistake, that it would be corrected and that I would get a confirmation e-mail, which I never got. I did get the XXXX late fee credited, but I am at a loss to explain why I still have a negative on my credit report, even though I was told that it would be removed shortly. Needless to say, that never happened. 

When I called a couple of weeks ago about this, I was again told that I had a duplicate payment in XXXX by this new agent, so right now I am at a loss to understand if I do or dont have a duplicate payment for XXXX, so I will leave it up to you to resolve this, as I am at my wits end here. I am tired of dealing with long hold times and inept agents, so I am counting on you to look into this for me.
Product: Student loan

I was given a student loan by XXXX XXXX. The school was a XXXX part institution. I completed the first session, but I never returned for the second session and never signed for the XXXX promissory note. Since, I was paying on the loan and had already disputed payment of the second loan. XXXX XXXX removed the second loan initially, but the school went out of business and changed their name. The new named school sought after me for payment of the second loan. I have disputed this issue time and time again to no avail. I have since started a debt forgiveness program with one of their creditors but I really feel like I do n't owe as much as they 're asking. They had me to contact the original lender which turned out to be a circle of phone calls to automated systems that landed me right back to the collection agency. I admit to owing the first loan and have been making payments for years. I need help with what I really owe and how to go about finding out how much that actually is. I asked the collection agency and they could only produce one promissory note, but told me that the loans were consolidated and that they could not seperate them. What can I do?
Product: Money transfer, virtual currency, or money service

I am writing to formally raise concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit that highlighted significant issues with the platform. Despite multiple attempts to use Zelle and report discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was impractical. The CFPBs findings demonstrate that Zelle has not only failed to adequately protect consumers but has also allowed repeat offenders to exploit its system, leaving users vulnerable to scams.
Product: Mortgage

Hello, I have been attempting to reach someone at Chase regarding my home mortgage payments given my significant loss of income due to coronavirus. There is a laundry list of requirements to prove loss of income, including a profit and loss statement for my business for last calendar year. With the tax return deadline extended, I do not have such a document prepared and I can not prepare such a document in the 7 days I have left before my next mortgage payment is due. The process states that I need to supply all paperwork via mail and then someone will contact me to discuss in 30 days. Today, I attempted to call ... again ... to speak to someone at Chase. The wait time is 5 to 8 hours to  speak to someone. I am working and unable to stay on the phone for such an extreme wait time. This is completely ridiculous and the greed of Chase during this trying time should not be tolerated. I need help and they've created an iron-tight process to ensure that the company doesn't supply any. 

After an hour on hold, the line was " disconnected '' and I am continually having to call back to rejoin the queue to speak to someone. Chase has created a process so that they don't have to help customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have gotten a notice from XXXX  stating my student loan that I had with them of {$28000.00} has been paid in full, I also have an online account with XXXX and still till today, when I log in, it's stating that my balance that I owe is {$0.00}. Per XXXX they had reached out to all three credit report bureaus to inform them of this information. XXXX and XXXX has showed the correct update of that balance of {$28000.00} being paid in full but XXXX is still showing that I have a balance with XXXX XXXX XXXXXXXX of {$28000.00}. I've been calling and speaking with the rude agents at XXXX and they are stating thaXXXX XXXX had updated them on XX/XX/23 stating that I still have a balance with them which is incorrect. At this point I don't know what to do, I'm literally being tossed around and getting absolutely no where. I would gladly appreciate if you can please help me with this issue. 

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

XX/XX/2019 - There is a fraudulent hard inquiry ( making my credit score go down ) on my Equifax credit report ( but not my XXXX  account ) from XXXX XXXX dated XX/XX/2019. I disputed with Equifax and their reply was 'inquiries are a factual record of file access - contact the creditor '. I contacted XXXX twice and after being on hold forever, finally reaching a person, I was then disconnected on both calls ; the third call I was told there was nothing with my name, no account and my social security did not show up with them at all. I asked them to contact Equifax to verify this information and was told they could not do that because there was no information showing up. I have never requested any wireless service or tried to set up an account with XXXX XXXX - have had my wireless service with XXXX for 15+ years now. I contacted Equifax and told them what XXXX said and was told filing a dispute with FTC or police was my only option now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX # XXXX -XXXX XXXX, XXXX. # XXXX -XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY CO L # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX  # XXXX
Product: Debt collection

I am a victim of identity thief. 
My identity was used in XX/XX/XXXX for a XXXX  loan with XXXX XXXX, XXXX XXXX XXXX check cashing. 
I have submitted a claim through the federal trade commission at identitytheft.gov. 
I also contacted the attorney who I disputed the case with because I was improperly served court papers. I did not receive any documents about the court case or I would have shown up and plead my case because this is not my debt. 
Due to improper servicing I am now being garnished for a debt that I am a victim of identity theft on. 
The attorney Bessine Walterbach XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX ) Has been sent documents by me by certified mail on XX/XX/XXXX. 
As of now, Bessine Walterbach , LLP is in violation of consumer law codes that they were provided with the certified letter that was sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Equifax acknowledgment that I am a victim of identity theft. I have submitted documents required to have information removed from my credit file. I was told by Equifax fraud agent on XXXX XXXX, 2019 that accounts would be blocked and removed with Identity theft report displaying the accounts in question. I am reaching out to consumer financial protection bureau to assist me in resolving the matter.
Product: Debt collection

I am writing to formally dispute the fraudulent account that appear on my credit report under my name. My identity was stolen, and I did not authorize or open the accoun
Product: Mortgage

My mortgage was sold to BSI financial. They were horrible from day one. They were late to notify on how to make payments to them. They didnt send me a welcome package on how to navigate their website or how to create a log in. I called them when my first payment with them was due and the lady on the phone sounded like she had 3 kids making lunch and was short and rude on the phone. 
Now I got a check from them which I assume is the escrow portion of my payments for my property taxes. Or maybe my insurance. Its ridiculous why would I pay an escrow to have the money sent back to me. What if my taxes are late or my homeowners is late?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 davs and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proteccin consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY! 

CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had called the company when my husband had gotten very ill. We had arrangements made but there is no history of this occurring to their records. The credit card is being reported after being verified on all three credit agencies. Here is an example of XXXX. 
XXXX Payment HistoryYear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * * *Payment History KeyYou can see in XXXX when my husband got sick, we had arrangements made, and we were supposed to begin deferred payments but the card was closed. This is not what was agreed to. I need help getting these inconsistencies removed from my tradeline they are destroying me. At first I wanted my card back because that was the original agreement now I just want it paid and removed from all three agencies due to all the mistakes, communication, and discrepancies.