23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please help!! 
I have been trying to bring my loan current for a week. Instead of accepting my money WF put a sale date ( see attached ) on my home. Im getting zero cooperation out of WF and I have the right to bring my loan current. Wells Fargo will not accept any money or send instructions to the Title company XXXX XXXX. XXXX says they need payoff instructions from WF before I can pay them and bring the loan current. But I 'm not able to get any help out of WF, they will not cooperate. They keep telling me someone will contact me but no one does, shocker!! Instead they avoid me and put a sale date on my home in 3 weeks, XXXX XXXX, 2018 In addition I 'm located right where those CA wild fires are. I believe I have the right to bring my loan current and that 's what I intend to do even if I have to file an emergency BKXXXX and ask the BK trustee to force WF to allow me to bring my loan current. 

Thank you for any assistance you can provide my contact information is below! 
XXXX XXXX XXXX XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I opened a Citi Priority checking account with CitiBank due to a promotional offer they had at the time. My mom wrote me a check for {$75000.00} from her XXXX XXXX XXXXXXXX checking account for me to deposit into my CitiBank account for the promotional offer. Deposited the check at the CitiBank financial center in XXXXXXXX XXXX with my mom. CitiBank cashed the check on XX/XX/2022, which is reflected in my mom 's account with XXXX XXXXXXXX XXXX as the funds have been withdrawn. However, CitiBank then deemed the check fraudulent and closed my checking account with them on XX/XX/2022. As a result, I no longer have any access to my account with CitiBank and only have the email notifications that they have sent me and checkbook as a proof. CitiBank also informed me that they would be sending me a letter stating why my account was closed but have never received this letter of explanation. They also have not returned the {$75000.00} to my mom 's account at XXXX XXXXXXXX XXXX. 

I have attempted to resolve this issue with CitiBank multiple times, including visiting the financial center and speaking with the supervisor, but have been told that my account is terminated and that the funds would be returned by mail within XXXX days. Despite this promise, it has been over XXXX months now and the funds were never sent in the mail and there has been no attempt on their end to return the money. I have called CitiBank numerous times throughout the XXXX months to try and find a resolution for how the funds can be returned and have wasted countless hours on the phone with them, only to be transferred to multiple departments with varying answers. 

I also attempted to contact XXXX XXXX XXXXXXXX to file a dispute or claim, but was told repeatedly that the funds have been cashed by CitiBank and are in their holding and that I needed to create a claim with CitiBank in order to have the funds returned. XXXX XXXX XXXX has also sent a letter stating that the CitiBank has the funds. I have called CitiBank again and been transferred countless times again, but all CitiBank representatives are now telling me that XXXX XXXX  XXXX needs to create the claim despite the fact that I have already informed them that XXXX XXXX  XXXX can not do so. 

It is clear that both institutions are simply passing the responsibility back and forth, leaving me with no resolution in sight and wasting countless hours of my time. It has been XXXX months since the account has been closed and there is no indication that the funds have been returned to the checkmaker 's account, and no accountability or willingness to resolve this issue on the part of either bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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, credit repair services, or other personal consumer reports

XXXX XXXX I created an account with Self XXXX XXXX XXXX was notified that I had an open account with them since XXXX of XXXX. I was confused nor had any recollection of ever creating an account with the association- so I proceed with changing the Email address, while in that process I had to answer security questions that were incorrect so at that specific moment I realized and insured that this is an issue. As I was done creating my Account I seen information on the prior account of a XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX with a Phone number of ( XXXX ) XXXX. The Address does not coincide with my residential living nor my telephone number at any given moment in my life. I seeking help on expunging this debit. 

Admin Fee- XXXX XXXX {$9.00} Miss Payment- XX/XX/2020 {$150.00} XXXX XXXX  Account One Time Fee- {$22.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect consumers 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 consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested fraudulent Inquiry from XXXX XXXX on XX/XX/22 be removed. They requested I upload the FTC fraud complaint I filed. Can't upload the document from their website. Does not provide option.
Product: Credit reporting or other personal consumer reports

Never made any agreement with XXXX XXXX. Was never sent a tax form for the written off debt. I contacted XXXX XXXX XXXXXX/XX/year> and received a " variation '' XX/XX/year>. 

Validation has no address. It also has no birthday or social security number associated with the account. Therefore that dissatisfied your validation. 


On XX/XX/year> I asked for a debt this validation as previously stated didnt not have an address, birthdate, social security number, no form of signature, nor any type of third party release of information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX failed to provide proof of purchase from the original creditor. I need a copy of proof of purchase as well. Also in your previous letter there was minimal proof of account identification. 
I requested : Creditor 's Name and Full Address, Name of Debtor of Record, Full Account Number, Amount of Debt, Due Date of Debt, Original Charge Off or Delinquency Date, Explanation of how the Debt was calculated, Evidence that the Debt is within State 's applicable Statute of Limitation, Name of Collection Agency or Owner of Debt, if applicable, Amount Paid if Debt was Purchased, Completed and Executed Agreement, including Signature Pages, for the Debt. 

The validation also includes a description number and description of the appointment or services render. 
It also has the doctors name, doctor type, and doctor location. This violates 45 CFR 164.02 ( b ), 164.541 ( d ). This violates the minimum necessary of the XXXX Laws. There is no reason why the description code or description of the appointment should be included on this validation letter. This is personal health information and serves no purpose in assisting the debt collection process.
Product: Checking or savings account

On XX/XX/2022, I received an email from Bank of America telling me that a transfer was scheduled to be made to XXXX XXXX ( XXXX XXXX XXXX  ) within three business days. The amount of the transfer was {$4000.00}. Copy of email marked Exhibit A is attached. 
Upon reading the email, I at once call the bank and showed that the alleged transfer was an unauthorize one. The agent who took the call, reviewed my account, and told me that everything was fine and that not transfer was going to be executed. 
Therefore, the bank had " NOTICE '' that of the fraudulent transfer. 
NEGLIGENCE On or about XX/XX/2022, despite the above, the bank went ahead and executed the transfer. The bank that was on notice had a duty to protect my interest, The bank breached its duty, thus, bank may be found responsible for this unauthorized transfer. 
Furthermore, when I found out about the transfer, I called the bank, and spoke with an agent who reassured me that the bank will start an investigation, and that in the meantime the money will be credited back to my account. 
After days waiting for the money to be credit back to my account, I called back, this time, another agent. Told me that the money will not be returned to my account and that the investigation will take 90 days to complete. 
On XX/XX/2022, the bank sent me a letter denying my claim. The bank claimed that its " investigation found that the transaction in question was performed by an authorized signer on the account and is a valid transaction. '' NEGLIGENCE INFLICTION OF EMOTIONAL DISTRESS I am a small business owner. {$4000.00} is a considerable sum of money ; the negligence of the bank of transferring the money even tough they were alerted not to, has caused me XXXX, XXXX  and similar state of mind which has reduced my productivity in my business. 
The bank never did any investigation as they claim, they only sent me copies of their ledger showing the transfer. They never really investigate ( his, never talked to the alleged transferee to verify if my company had any connection that may have justified the transfer. 
When I insisted vvith the bank, I was told that my transfer was made using my cell phone ; then ( he bank needed from me, proof from XXXX ( my carrier ) that my phone was not lost, stolen, tampered with. 
The required proof is attached and marked Exhibit B. 
CONCLUSION Bank of America made an unauthorized transfer, and now the bank must return the money to my account at once. Any further delay will force me to seek legal remedies to correct this wrongdoing.
Product: Student loan

I submitted my Employment Certification Form on XX/XX/2020 and have emailed the company repeatedly for a a status regarding a count on my payments. 

While I understand what is going on in the world right now with worker shortages, getting a status from this company has always been an issue regardless of COVID-19. 

This morning I received an email from " XXXX '' telling me that they received my form on XX/XX/2020 with no other information while not answering my question. 
This company has always had poor customer service. I am tired of having to email constantly for updates as well as the long turn-around times. I shouldn't have to file complaints with the CFPB for basic customer service. The turnaround time is 14 days pursuant to Fedloan Servicing 's agreement with the Federal Government. I am not sure why it is so hard to get any answer out of these folks.
Product: Debt collection

Ive always received emails from XXXX XXXX but thought they were spam emails until one day I received an email from a debt collector stating that I owe to {$6000.00} which didnt make sense. I reached out thinking it was scam and to clarify that it was. Upon calling I found out it was true and that someone had definitely stolen my identity.
Product: Credit reporting or other personal consumer reports

World finance is specifically reporting to exoerian with inaccurate and incorrect statements tgat i had the company under bankruptcy when I did not never do such and XXXX refuse to do an investigation stating that I must contact the company but they are the ones that is reporting the inaccurate statements in behalf of there client but refuse to let me do a statement thats wrong and world finance refuse to return my calls and try make matters straight they have not nor is XXXX trying to make it right
Product: Credit reporting or other personal consumer reports

I sent Experian a letter asking why was my XXXX XXXX XXXX points lower than other credit bureaus? They refused to respond sent me an email when I requested a response by mail. They sent me an email requesting my identification driver 's license and electric bill. 
Now ask yourself how have they been posting my score to the public for years if the don't really know who I am? There are 4 major credit bureaus ( CB ) and scores very which one is right? A doctor or hospital could not make sound decisions for a procedure or treatment if blood work or x-rays came back with XXXX-4 different scenarios. Or a US military commander make a sound decision for a vital mission with 3-4 different scenarios. It can't be done for a successful outcome. People treat the CB like the Bible they are completely fallible too or there would not be a {$6.00} XXXX dollar industry of law firms that all they do is sue CB 's and credit repair companies. 
My main question is why is Experian so evasive so far off than other CB '? Experian openly admits they get their info from other CB 's They are a marketing company not a CB company offering you more credit cards personal loans car insurance that is a conflict of interest. 
Experian post my score at XXXX for months with no change when other CB 's have my score a XXXX XXXX. They all all use the same credit XXXX Which one is right. Please help the people Experian is running a scam a form of a Ponzi game.
Product: Debt collection

I dispute the validity of this debt and am demanding that Coast to Coast Financial Solutions provide debt validation documents. If unable to provide those documents, I demand this debt be erased as invalid. If I was in a contract with XXXX, I need to see where on those terms that I agreed to only one trash bin being picked up each week. I did not agree to those terms and I am disputing that I owe XXXX any money. If this shows up on my credit, and if this bill continues through collections I will have no choice but to escalate this complaint.
Product: Debt collection

Failure to Validate Debt : there is a conspicuous absence of a purchase agreement substantiating the transfer and validation of the debt upon its acquisition by Resurgent. FCRA mandates furnishers to furnish a comprehensive validation of debt, inclusive of any pertinent documentation affirming the legitimacy of the debt. The absence of such documentation raises significant doubts regarding the veracity of the reported information and underscores potential violations of FCRA, PFCEUA/FCEUA, and pertinent legal statutes.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Item ( s ) resulting from trafficking that should be blocked : XX/XX/XXXXXXXX XXXX : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

The loan was paid in full as XX/XX/19. The nature of this complaint is due to a FP ( forced Placed ) insurance that was wrongfully billed to the account, totaling about {$1400.00}. There were several communication exchanges with ZINC to provide/validate that there was never a gap of insurance. Even though an active policy was provided, ZINC did not remove a highly cost insurance forced placed on their end. This an unfair practice and close attention to this particular lender business practice is highly encouraged. 
Please be aware that there has been several complaints filed against this business.
Product: Credit reporting or other personal consumer reports

I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Can you look into this matter?
Product: Mortgage

We went to Bank of America to ask for a refi of our XXXX & XXXX mortgage - they would not process the request. 

We then asked for their help with a loan modification when we realized that our XXXX mortgage with BofA would convert into a fixed rate loan with monthly payments of {$2300.00} & our XXXX mortgage is {$2900.00} with an interest rate of 5.750 %. Boba declined our request for a loan modification. 

We would have been eligible for government assistance under HARP but BofA wo n't sell our loan to XXXX - they are holding us hostage in a loan that we can not afford.
Product: Credit reporting

There is incomplete, outdated, and incorrect information reported on accounts that are reported closed. The accounts are : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, XXXX, write to lodge a formal complaint against Equifax, one of the primary credit reporting agencies in the United States. Despite my repeated attempts, I have been unable to access my personal credit report as it appears to be erroneously frozen. This has caused inconvenience and is potentially impacting my credit activity negatively. Any inquiries by external parties also reflect this incorrect status. Further exacerbating the situation, my name is erroneously recorded within their systems, which could potentially lead to identity-related issues. Despite my best efforts to communicate and rectify these issues with Equifax directly, there has been no resolution. Therefore, I am requesting the assistance of the CFPB to investigate this matter, to unfreeze my credit report, and ensure that my personal information is accurately recorded within their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed credit inquiries on my credit reports that I did not authorize. I have reached out but they will not assist me.
Product: Bank account or service

I had a credit card with Bank of America and was never late with a payment I was hospitalized in XXXX 2013 and released in XXXX 2013. I went to the branch on XXXX XXXX XXXX in XXXX Florida 2 days after my release to make a direct payment. I was assured by the branch associate that my payment would be posted and my account was still in good standing. The following month the account was closed before my next bill due date
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XX/XX/2022. I checked my credit report on the Experian website and XXXX is reporting my account STATUS : Currently, was past due 60 days late. I haven't been late for several months. I took a screen shoot of my online credit report. Please update this account. The balance owed is incorrect as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, finance a vehicle with USA Santander Bank on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( 3 ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.
Product: Debt collection

XXXXXXXX XXXX  and there lawyers refused to talk to me so I could find out what this debt was and so if I even wanted to make a payment it would be impossible to do so.
Product: Credit reporting or other personal consumer reports

15 u.s.c 1681s-2, the statue of limitations has been extended because a charge off was reported month after month on this account. My credit file states that I been having charge off reported on the same account since XX/XX/year>.
Product: Debt collection

I XXXX XXXX Report Credit XXXX XXXX. I spoken to the company XXXX XXXX regarding to payment options in my account ending in XXXX, I advised that I was not working and could not make payments due to lack of employment And the company agent has placed me in a financial program Company XXXX XXXX XXXX  XXXX. a charged off was later added on my account after being place into program due to lack of payments. Another company has taken my information and attempted to proceed to legal action. Not only has my information been shared with different companys Im being harassed for payments Im unable to pay at this current moment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a mortgage loan estimate request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at Navy Federal Credit Union and was later told they could approve a third of what I wanted. Had I known or had any transparency from NFCU I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.
Product: Mortgage

Freedom Mortgage did an escrow analysis in XXXX XXXX issued a check on XX/XX/XXXX which we did not received. On XX/XX/XXXX we called Freedom Mortgage to advise we do not have the check. The representative stated they will send out a new check. On XX/XX/XXXX we received the original check and I called Freedom Mortgage to advise and the rep said we could cash the original check. She said the original check has not been voided or payment stopped. I cashed the check with our bank that day. On XX/XX/XXXX the check was declined by our bank because Freedom Mortgage issued a stop payment. I spoke with Freedom Mortgage on XX/XX/XXXX XXXX spoke with a Manager who stated that they indeed issued a stop payment on the original check and that they issued the replacement check which I should receive by XX/XX/XXXX, It is XX/XX/XXXX XXXX we still dont have the replacement check, I contacted Freedom Mortgage who said their Escrow department has not released the replacement check and that they are not allowed to call the Escrow department and had to send them an email to issue the check. She could not understand why there was no replacement check sent. She said the funds went back to their Escrow account on XX/XX/XXXX but has not issued a new check as they should have sent the check on XX/XX/XXXX XXXX that the Escrow Dept closed the request stating will issue check on XX/XX/XXXX but did not issue a check. We want our replacement check - this is our money!! XXXX is being held by Freedom Mortgage and no rep is allowed to contact the Escrow dept and said I can not speak with them.