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

I am a past account holder. My brother was one till he died in XXXX. I contacted USAA less than a month after his death. They did not give an option for his account to stay open for estate purposes. It was immediately suspended. They forced me to reactivate my past account in order to speak with them. They then reported my contact information to 3rd parties and I started receiving harassing phone calls from XXXX XXXX for credit collection within a week. Within 2 weeks I received a condolence letter from their VP of credit cards addressed directly to me and including my brother 's final credit card bill. On phone call I was informed that I would receive no information on accounts unless I was appointed executor/representative of the estate by a judge. Before i went to court i received a phone call from USAA beteavement department that i was running out of time. I was informed of a 90 day limit once they receive notice of death. If they dont receive documents then bank policy is to cut a check pay to order of deceased estate to their last known address. I did this through probate court. I sent this paperwork to the bank and spoke to bereavement reps in 3 different departments who all verified that I am rep for estate and they all give me personal account info and let me make decisions regarding insurance policies so that I could pay them. When it came time to cut a check for balances in 3 accounts they said no. They said because the account numbers with exact balances were not on the probate document so they are not required to give me the . I was not my brother 's spouse and did not have access to that information. They then stated that since my sister and I are both on the probate document then they do not have to pay it to me anyways. My sister is listed as the primary creditor on the probate document with me appointed as representative. This was done by us since she paid for funeral and bills after his death but I live closer than an 18 hour drive to our brothers home. Now, it has been over 2 months since last speaking to the bank and they have not cut a check for his balances paid to the order of his estate either. I know because I am still receiving his bank statements. They also never answered my question about who gets to keep my brothers money if a check isnt cashed. Are they stealing money from the families of veterans who get an account at their bank since they are supported and endorsed bt the US government as safe and frindly to veterans and their needs?
Product: Checking or savings account

Subject : Dispute of Inaccurate Information Related to Cash App To Whom It May Concern, I am writing to formally dispute an inaccurate or unfair financial transaction that has impacted my credit report.

Cash App wrongfully withdrew {$1000.00} from my account and has refused to return the funds. Additionally, Cash App is currently facing a lawsuit for financial misconduct, which further supports my claim of an unjust transaction.

The specific details of my dispute are as follows : * Company Name : Cash App ( Square , Inc. ) * Transaction Amount : {$1200.00} * Transaction Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I filed two disputes with Experian regarding a collection account that was added to my credit report by collection agency XXXX XXXX XXXX. Each dispute was closed in under a week and the reason given was that the collection agency certified that the information they provided was accurate. 
The first dispute I submitted was due to the collection agency not adhering to the FDCPA stipulation that a third party debt collector notifying me of the debt and giving me 30 days to dispute or verify the validity of the debt. Experian did not do any diligence in verifying this and continued to report the debt on my credit report. 
The second dispute I submitted was for inaccurate balance reporting and amount due. Experian closed this dispute in 3 days citing that this information was accurate even though I uploaded support indicating otherwise. Experian did not do any diligence in verifying the accuracy and continued too report the debt on my credit report.
Product: Debt collection

XX/XX/21 this year I check my Equifax and there was XXXX XXXX  debt from the same company and also the same balance. I have requested them to take it off my credit report because it's open. I have not done business with this company.
Product: Money transfer, virtual currency, or money service

I want to highlight my concerns about Zelle and the details of the lawsuit filed by CFPB in regard 's to Zelles handling of disputes. Despite my disputes, Zelle and my financial institution ( XXXX ) failed to thoroughly investigate these claims. I was informed by Zelle and XXXX that recovering lost funds wouldnt be possible and that tracking these transactions was not feasible. The CFPBs 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 In Accordance with Fair Credit Reporting act XXXX Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Product: Checking or savings account

Did a transaction on XXXX, call the bank to stop transaction Wells Fargo still allow transaction to go through. I was scam outta {$950.00}.. I still haven't received my money back yet .. customer service was so rude
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX accounts : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights .

15 U.S.C 1681 Section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2018 ~ Now Amount : about 6k + my ETH & LTC I have tried to withdraw my money from the company, but the company has not allowed me to do that and they are holding my money for a long time. They required me to verify my SSN in their system in order to withdraw my money, but the SSN verification system has not been working. I verified my driver 's license, I have a valid SSN, and I tried all the ways that they recommended me, but the system is still not working so I can not withdraw my money. I'd like to withdraw my money from the company. It does not make sense that I can not have my money back. 

I attached some evidences ( I removed my information ).
Product: Checking or savings account

I was a customer of Simple banking. On XX/XX/XXXX they transitioned to XXXX. 

On XX/XX/XXXX, I followed the email instructions as sent by XXXX to set up my online account. 

Their website experienced errors on this day, and according to a banner on their website on XX/XX/XXXX indicated it was because of the volume of Simple customers setting up accounts on that day. 

I tried again later in the day on XX/XX/XXXX and was told that my account had been locked for security purposes and to call the customer service phone number. 

I tried to call the phone number and was placed on hold and the call failed after a few minutes. 

I tried again on XX/XX/XXXX and experienced the same dropped phone call. 

I called the customer service number again on XX/XX/XXXX and was on hold for several minutes before the call was dropped. 

I called again on XX/XX/XXXX and was on hold for XXXX minutes before the call dropped. 

I have yet to speak with a customer service representative, my account is still locked. I have no way to access my financial information. I have no idea if my bills are being paid. I have no idea what my balance is and I can not speak with anyone at the bank to access my information.
Product: Money transfers

Today I received an email from Western Union. The email stated that a {$270.00} transaction failed. This transaction was between a person posed as myself and my mother. The transaction was going to someone in XXXX, but we live in XXXX. I believe my identity was stolen. My ID has been stolen and I believe someone tried to make a transaction with it
Product: Mortgage

I have been subjected to harassment, unwarranted and unsubstantiated incorrect credit reporting, which has resulted in Credit damage. I have all of the documentation of the bank admitting fault, as well as you and recorded a phone conversation stating my account is in good standing on XX/XX/XXXX. The phone call to them, was in response to their non-action on fixing the original issue, they acknowledged. 
I have records of all my payments. I filed a report with you, you intervened, opened a case and got a statement from the bank admitting they were at fault. I had unapplied funds, that were not intentionally unapplied on my part, that disappeared after CFPB engagement. The case was closed. I contacted you again to reopen the case, as the problem was not taken care of. I did not get response. This has been ongoing for about a year now. 
This case was reported to you on XX/XX/XXXX ( Case # XXXX XXXX. 
I just received my XX/XX/XXXX statement, which is indicating they have not received a mortgage payment, from me since XX/XX/XXXX, even though XXXX 's statement does not indicate any past due payments. I have all of my receipts for payment, as I make the payments at a local branch. 
I also received a check from XXXX XXXX, for approximately {$2600.00} stating, heres a check to pay your past due payments, even though no one at Suntrust could confirm any past due payments. I have a recorded phone call with a Suntrust Rep, who I spoke with for approximately 25 minutes, trying to get to the bottom of this. My last paper statement, indicates I have a past due amount of {$6700.00}. I wanted to reach out to you one more time, to get this resolved, before I take legal actions against them.
Product: Credit reporting or other personal consumer reports

My comfortability and livelihood has been tampered with due to Equifax continuously violating my rights. I addressed this issue before about Equifax reporting inaccurate and incomplete information on a XXXX account. I have attempted different times to have this item disputed and verified but Equifax sent me correspondences claiming that it was verified with no proof. I received a letter dated XX/XX/2023 from Equifax that states they received my dispute and they will not be conducting further investigation into this particular account at this time. By them sending me this correspondence, it proves that I have disputed this account and they refuse to note it as disputed on my credit report which by doing so, they have violated my right under FCRA Section 623 ( a ) ( 3 ) to have this account noted as disputed in which they failed to do so repeatedly. This inaccurate, incomplete and erroneous reporting to my credit report is causing a lot of stress and headaches for my family and I.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years. 

Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years. 

I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. 

Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). 

In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update. 

I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.
Product: Credit reporting or other personal consumer reports

XXXX and DriveTime have engaged in deceptive, unfair, and unlawful practices regarding account XXXX. The vehicle was sold as being in excellent condition, but within 30 days, it required a full transmission replacement. I later discovered that the vehicle had prior transmission issues and a recall replacement before the sale. XXXX and DriveTime knowingly misrepresented the vehicles condition, committing fraud from the outset. 

After making timely payments for over a year, I attempted to refinance the vehicle in XX/XX/XXXX but was denied because the financed amount was more than double the cars value. Since then, I have repeatedly requested a full accounting, interest breakdown, and refinancing options. XXXX stated they were only the servicer, not the originator, and refused to provide key TILA-mandated documents, including the promissory note, chain of assignment, and forward flow agreement. Without these, they have no lawful claim to collect or report. 

After their continued failure to provide validation, I initiated arbitration on XX/XX/XXXX, per the agreement. Despite this, XXXX updated the account as a charge-off in XX/XX/XXXX, in direct violation of arbitration proceedings. They have since refused to participate in arbitration while continuing to act on the account, including harassment, breach of peace, and repossession attempts, despite knowing arbitration is pending. 

Additionally, XXXX has inaccurately reported a monthly payment of XXXX when the contractual amount was XXXX and failed to report payments from XX/XX/XXXX through XX/XX/XXXX. This false reporting, along with their refusal to validate any lawful obligation, is a clear violation of the Fair Credit Reporting Act, Truth in Lending Act, and consumer protection laws. Immediate investigation and enforcement action are required to stop these unlawful practices and remove the unverifiable reporting.
Product: Mortgage

I filed a reverse mortgage with XXXX who is now Owcen. My house was appraised for {$87000.00}. I got {$23000.00} last year instead of the {$43000.00} because I am XXXX and they were keeping half. ( I was never told before ). They set {$2300.00} aside for repairs. I finally got a company to do repairs. The problem is I live in a small town. We have no painting companies here. The closest town is 45 min away. No one would come and paint my fence and porches for anything under {$5000.00}. The company I got XXXX came and painted the fence and porches. Then when inspectors came they kept saying I had more to do. Things that were n't even in the initial contract. All I was to have done was the painting of my fence and porches.They sent partial check payment to of {$1700.00} in my name and XXXX. for repairs. Said when the repairs were finished they would send remainder. I called them told them the repairs were done. They asked about my windows. There was nothing in contract to do with my windows. Its like the added more stuff without my knowledge, So we took care of that..The repairs got finished. So last Friday, XXXX XXXX I called to find out when they were releasing the check for repairs.. They informed me, that they sent XXXX out for the the {$1700.00} and then used the rest to pay for the inspector so I am going to have to pay the remaining {$550.00} out of my pocket plus the portion I was to pay {$50.00}. So that is a total of {$600.00}. I then asked about my remainder of money that was supposed to come to me. They transferred me and I could not find out anything more. Monday XXXX XXXX, my son and I called them. We asked them about the same. They told me I was only going to get {$20000.00} instead of the {$41000.00}. because I am XXXX and they were keeping half. Like I said previously was NEVER told to me before..They were getting after me for not having repairs done, ( When I thought they were ) but when they do wrong I guess that is supposed to be ok.When I started this I was told my home was worth {$87000.00}, so I would get {$43000.00} last year. Then this year I was to get {$41000.00} which was after the {$2300.00} came out for repairs. I am so frustrated, I want the over half of my money. My XXXX called the XXXX today XXXX XXXX and they told us to contact you due to the fact this company has negative rating with XXXX I have XXXX and I am XXXX. I do not need this.This whole process has been a real pain, and I thought these reverse mortgage was to help with your retirement and it did n't matter your age. If you could please HELP. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor.

I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile.

They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX  XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry.

With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file.

Thank you for your cooperation.
Product: Mortgage

I have adjustable mortgage with three and a half percent Wells Fargo did not do the agreement and charge me seven and a half percent I lost a lot of money more than XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative remark on my credit report. A bill that was paid over a year ago. I have confirmed with both the Family practice and the collections dept that the bill was paid, yet still a year later, it remains on my report. When filing a claim dispute with XXXX, they claim that the info on my report was accurate, which leads me to believe this is just a generated response, because they obviously did not investigate at all. This item has affected my credit score for over a year now and my next step is legal action towards transunion. The negative on my report is with IC Systems for {$880.00} from XXXX XXXX XXXX and again, this bill was paid in XXXX of 2021. Thank you for your time. XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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

I sent a letter to Equifax disputing 8 accounts as erroneous on XX/XX/2022. It is now XX/XX/2022 and I have not received a response from this credit reporting agencies. I also sent a follow up letter today for Equifax to comply with 30 day investigation law. I would like these erroneous accounts deleted.