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

Around XXXX, my Bank checking account was unexpectedly put on hold without any explanation or prior notice. This hold completely restricted my access to my account, preventing me from performing essential actions such as external transfers, XXXX transactions, and using my debit card for payments. 

It is important to note that my account was in good standing, with no suspicious or unusual transactions at the time the hold was placed. Despite this, I have been unable to resolve the issue. 

I contacted Bank customer service multiple times seeking assistance. However, each representative I spoke with transferred me to a different department, claiming the matter was not within their responsibility. When I was finally directed to what was supposed to be the correct department, my calls were left not answered. 

This experience has been extremely frustrating and has caused significant inconvenience, as I have been unable to access my own funds for daily expenses and payments. I am filing this complaint to request immediate resolution of the issue and an explanation for why my account was placed on hold in the first place.
Product: Checking or savings account

To whom I may concern, On XXXX, I XXXX XXXX XXXX received a copy of a refund check for {$780.00} from XXXX XXXX XXXX made out to the Estate of XXXX XXXX XXXX. On the back of the refund check, XXXX XXXX endorsed the check to deposit in her personal savings account at M & T Bank. I contacted a representative of M & T Bank at XXXX, and she did not know the policy and procedures if an Estate check can be deposited.in a personal savings account. XXXX XXXX XXXX at Register of XXXX ( XXXX ) in Delaware gave explicit instructions that an estate account for the Estate of XXXX XXXX XXXX must be established at a bank with all three co-administrators must be present at the same time. All three co-administrator names must be on the estate account, so any transactions for the Estate of XXXX XXXX XXXX would require three signatures. XXXX XXXX XXXX XXXX XXXX have refused since XXXX to meet with me at any bank to establish an estate account. On XXXX, XXXX XXXX and XXXX XXXX went to XXXX XXXX in XXXX, DE and liquated XXXX XXXX XXXX XXXX 's personal checking and savings accounts, but did not establish an estate account. 

I am requesting M & T Bank to freeze the {$780.00} refund made out to the estate of XXXX XXXX XXXX that was deposited in XXXX XXXX 's personal savings account. M & T Bank can schedule a appointment date and time when all three co-administrators can meet at M & T Bank to establish an estate account. As an alternative, remedy, M & T can issue a check for {$780.00} for the Estate of XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX, M & T Bank should follow all State and Federal regulations and compliance for a estate account, since there is a great distinction between a estate account and a personal checking and savings accounts, especially when there are three co-administrators. 

If possible, I would like a copy of the policies and procedures pertaining to an estate account at M & T Bank. If there are any additional questions, please do not hesitate to call me at XXXX. Secondly, XXXX XXXX 's personal savings account number is XXXX.
Product: Mortgage

Our account XXXX was paid in full. 

Enclosed evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times over the past year or more trying to get Equifax LLC to release my credit report and or score. I have tried to access my free credit report online through XXXX XXXX XXXX website which is my right as a consumer and natural person, and I get a blank report or an error message. I have even tried to pay for my consumer report through Equifax and I am unable to do so. I have not even my report in over a year or so. Equifax has assumed a vital role in compiling personal and private information on consumers credit transaction. lawfully a consumer has the right to view what is being stored and shared.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ). 
Money was transferred from my wallet in the total amount of XXXX ETH. 
Given that their client was an active participant in the movement of my money, which eventually ended up with the Company, Coinbase have not exercised their duties to identify this suspicions scheme in a timely manner. 

It should be noted that the Company is a client of their, the owner of wallets : XXXX XXXX For more information, please see attached.
Product: Debt collection

I was a customer of XXXX XXXX who went out of business. They sold aolar panels. Sunlight financial is who the loan was put through. XXXX XXXX went out of business before they completed my install, set and activation. I am not on the grill and am still paying a full electric bill. I can not afford to pay my electric bill and these panels that is not operating on my behalf. They continued to call me for money and told that they might have to report my debt to the credit bureau. They have failed to help me with getting on line. And is still charging interest on this loan. I gave them XXXX dollars.
Product: Debt collection

Portfolio Recovery has violated the Fair Debt Collections Practices Act, by continuing to harass me by mail, after I sent them cease of communication letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I have just sent a 5th request dated XX/XX/XXXX. Portfolio Recovery confirmed receipt of my cease of correspondence letters by signing my certified letter with signature confirmation on XX/XX/XXXX and XX/XX/XXXX. See attached documents.
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 XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Subject : my Mortgage overpay is lost My name is XXXX XXXX I bought a house on XX/XX/2020 My lender was XXXX : XXXX XXXX # : XXXX My first payment was due on XX/XX/2020 with the amount of {$3600.00} I made payment by phone on XX/XX/2020 with the amount of {$5500.00} i.e. I overpaid {$1800.00}. My mortgage agreement allows me to pay more. 
I have all the receipts that prove this fact. 

The XXXX  did not put the overpay towards my principal, they just keep this amount {$1800.00} and refuse to return back. 

I contacted them multiple times by email and phone ( I have all the emails ) They confirm the fact that received overpay from me, but refuse to put it on my account or return back to me.
Product: Debt collection

Not my debt. Asked to remove phone number from data base. Called at XXXX AM PST on XXXX/XXXX/2015 and XXXX AM PST XXXX/XXXX/2015.
Product: Debt collection

In XXXX, XXXX sent my account to collections because I hadnt returned my equipment. I did not have access to it until XX/XX/XXXX and officially returned it in person to XXXX on XX/XX/XXXX. I sent Enhanced Recovery this information so the claim could be removed from my credit, and I have been ignored.
Product: Credit card

ok this is for comenity bank also known as bread financial. I have store cards for overstock ( which community closed due to their credit card programs, wayfair which has been closed Victoria secret XXXX XXXX. 
I have been making the min. payments every month. but I was stuck in Louisiana end of XXXX and couldn't get internet. 1 week later I was able to call comenity and told them my situation. ( THEY HAD ON THE WEBPAGES THAT IF IN THE XXXX  THEY COULD HELP ) well that's a lie. 

the lady I spoke to said I could get 2 months defer ment. ok that was great. guess what they fidnt apply it to any of the accounts. overstock for one has lost my last 2 payments XXXX XXXX has me 1 month late when payment isn't due till XXXX XXXX victorias secret has me 1 month late when the 2 month deferment would be over come XX/XX/XXXX. 
because of the my credit score has dropped over 100 points. 
this is not right companies saying deferment then marking you late. I haven't been late on any of my payments since XXXX  so I'm not happy they need to fix comenity or bread financial really don't care if someone was in hurricane.
Product: Credit reporting, credit repair services, or other personal consumer reports

Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have an inquiry on my credit report for XXXX XXXX and I don't have a XXXX XXXX account. I had services with XXXX for the last 4 years but as of XX/XX/XXXX I moved to XXXX XXXX XXXX area and I have service with XXXX. I have tried to dispute this through XXXX but it is still on my credit report. I am not sure of who but my information is being used fraudulently. I also have an issue with someone running my credit with XXXX  and trying to get a retail card with them. I called them XX/XX/XXXX and reported to them that it was a fraud because I have four, now five, credit cards and I don't have any retail cards because I manage those five.
Product: Mortgage

Ditech is holding my escrow refunds from years XXXX and XXXX.
Product: Credit card or prepaid card

Dear Banks of America I contact your bank today to make a payment on my account I spoke two of your reps they told me that they were unable to take a payment from me due to the fact that my account was no longer open and you no longer own the account!. i havent recieved anything from any 3rd party debt buyers that you may have sold the account too. I also pulled my credit report and you didn't state who the account was sold too. you can't do this it's a violation of the FCRA But after reviewing my credit report your company is still reporting a balance and past due on the account how is this possible? I went to the FTC Website and they clearly state that this is a federal Vialation. Since you are no longer the account owner I asked that you please delete this account from all three of my credit reporting reports ASAP as you are reporting inaccrate information the fcra says that credit reporting must be 100 % percent accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit dispute was filed with Experian in XXXX of 2020. Experian failed to investigate disputed accounts within the legal timeframe by law, and unverified debts have yet to be removed from my credit report. Experian also never provided an updated copy of printed credit report. Two additional notices were provided to Experian to remove debts to no avail.
Product: Credit card

I recently filed a complaint against this company because they are damaging my credit worthiness, credit standing, and credit capacity ( Complaint # XXXX ). Wells Fargo [ Account # XXXX ] has been proven to report inaccurately and incompletely by both the consumer, me, and a consumer reporting agency ( XXXX XXXX, but now even the company itself admits that the information furnished was also incomplete/inaccurate with their response to my previous complaint. See attached. Pursuant to section 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ) I am demanding that this agency complies with the Fair Credit Reporting Act and removes this account from all of my consumer reports. In their response to my previous complaint, they stated that they will continue to report the information as the information was " accurate '' but a sentence later they stated that they noted inconsistencies. If the information was truly accurate and complete, then there would be NO inconsistencies, further proving my claim. Additionally, furnishers of information such as Wells Fargo MUST comply with Metro 2 which is part of the reasonable procedures that consumer reporting agencies have taken in order to ensure that the information they are reporting are the most accurate, complete, and timely as stated in the furnisher guidelines. This means that in order for this agency to furnish information on my consumer report, they must meet 13 requirements. As proven by me, the consumer, XXXX, the consumer reporting agency, and Wells Fargo themselves, this reported information clearly does NOT meet all 13 requirements to be Metro 2 compliant. Pursuant to section 623 ( b ) ( D ), when they received the result from XXXX stating that the information was deleted, it was their duty to report that result to all other consumer reporting agency ( WHICH THEY DID NOT ). If this agency does not remove this account promptly from my reports then I will have no choice but to seek legal action as this inaccurate information is causing me emotional distress especially since inflation is high and this is not a great economical climate to have bad credit let alone inaccurate information on a credit report.
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 thesystem, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

After asking A-1 Collection Service of XXXX, NJ for copies of the original invoices from XXXX XXXX XXXX they sent me XXXX statements then sent me XXXX invoices each for the total amount. They also reported all XXXX invoices to the credit reporting agencies making it appear that a disputed amount of {$1400.00} is {$5700.00}. 
The statements they sent me in proof of debt owed ( after a 3-5 year period ) have handwritten amounts due on otherwise computer generated statements. 
I dispute all XXXX statements as I paid the normal office copay of {$20.00} at each visit. It appears that the hospital owning these practices has reclassified the visits as something else with multiple charges per visit. 
I have contacted the insurance company I was insured with at the time of these charges and I am waiting the receipt of the Explanation of Benefits for each visit. 
I am attempting to determine what amounts I paid each practitioner, but as the services were performed during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX it is difficult to gather that information. Also, I pay bills from invoices and only received statement copies from A-1 Collection.
Product: Credit card or prepaid card

I, XXXX XXXX XXXX CITIZEN ( XXXX ) WITH CREDIT CARD BANK OF AMERICA SINCE XX/XX/XXXX ( EXCELLENT PAYMENTS ) GOOD! CARD CLIENT STARTING CREDIT LINE ON XX/XX/XXXX {$300.00} IT CREDIT LINE HAS BEEN KEPT DURING 9 YEARS WITHOUT ( INCREASE ) THE CREDIT LINE. I TRAVEL TO VISIT MY MOTHER OF XXXX YEARS OLD SICK! AND BE IN FAMILY SINCE XX/XX/XXXX. I TRANSFER FROM MY XXXX XXXX CHECKING ACCOUNT {$80.00} TO MY CREDIT CARD BANK OF AMERICA FOR A TOTAL OF {$380.00} COST OF TICKET {$330.00} BUT IT WAS DECLINED. BECAUSE..BANK OF AMERICA SOLELY SEE THE CREDIT LINE BANK OF AMERICA DO NOT SEE THE EXTRA DEPOSIT. ( BECAUSE ) IT IS THE LAW OR POLIZA.OF THE BANK..ACCORDING TO XXXX XXXX. SPECIALIST. CONTACTED BY XXXX BANK OF AMERICA. I WENT TO MY XXXX ACCOUNT AND MAKE ANOTHER TRANSFER {$70.00} NOR WAS ACCEPTED DESPITE THAT THE TICKET WITH XXXX XXXX COST OF {$340.00} XXXX XXXX XXXX SAY SORRY IT WAS NO PAID BY YOU BANK INSTITUTION. ( SEE ) Record Locator : XXXX We were unable to process your flight reservation request. To ensure that your travel plans arent interrupted, contact XXXX at XXXX to make alternate payment arrangements. If we havent heard from you within 7 days of this notice, your flight reservations will be automatically canceled. Please refer to the above record locator when speaking to a representative. THEN I AUTHORIZE TO MY DAUGHTER TO TAKE {$200.00} DOLLARS AND WITH OTHER CASH PAY THE TICKET IN CASH.
Product: Credit card or prepaid card

I put in a balance transfer using my card with no fee interest transfers from my capitalone quick silver card account # XXXX. The balance transfer for the amount of {$250.00} to another credit card of mine XXXX credit card account # ending XXXX. 

The transaction was put in on XX/XX/XXXX and showed as payed on XX/XX/XXXX. Capital One customer service claim they sent a check but want give a clear reason why they didn't send it electronically. 

It is XX/XX/XXXX and Capital One caused a late fee on my balance transfer to XXXX XXXX. They claim they have no idea where the check is and can't promise it will be cancelled. 

Customer service was very rude and I was hung up on twice and then passed around through Capital One system for hours to finally hear that they will cancel it but can't promise. I believe they are being dishonest and never sent anything. I asked them to pay my late fee and cancel the balance transfer and it seem that either was done.
Product: Debt collection

I had a {$700.00} line of credit from XXXX XXXX associated with my XXXX account. Because of financial difficulties, I stopped paying on the account on or about XXXX or XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to see what the payoff amount of the line of credit was so I could resolve the account and was told XXXX had charged the debt off on XX/XX/XXXX and closed the account. Subsequent to the XX/XX/XXXX call, I received a notice from XXXX stating they had sold the account to MIDLAND CREDIT MANAGEMENT. I called the telephone no. on the notice to see what I needed to do to resolve the acct. and was told Midland would contact me directly. In late XX/XX/XXXX, I received a notice from Midland stating I owed them {$1000.00}. I am a retiree, a single-income household and I am paid ONCE A MONTH at the end of each month and $ XXXX is substantial to my living expenses. I put aside funds from my retirement check at the end of XX/XX/XXXX and planned on putting aside add'l funds from my monthly check on XX/XX/XXXX and either pay the amount in full in XXXX or XX/XX/XXXX. On XX/XX/XXXX, I found a plastic bag containing a XXXX envelope tied to my house door. It was a 2nd notice from Midland Credit Management and it stated I needed to pay them BY XX/XX/XXXX or they would proceed with an attorney. THEY LITERALLY GAVE ME FIVE DAYS to pay them. I called the telephone no. on the notice and spoke with a snarky rep with limited English-speaking capabilities. I told her I would pay in full via a money order sent via the post office either on XX/XX/XXXX or in XXXX. This didn't seem to appease the rep. After that call, I decided I would pay on XX/XX/XXXX because I suspect this aggressive, very fraudulent company will proceed with legal action after the FIVE days elapse then tack on add'l absorbent legal fees they will say is due them EVEN THOUGH they've been told I'm paying in full on XX/XX/XXXX via money order through the post office. I also wrote a letter on XX/XX/XXXX informing them of this and sent it that day via first class mail. So they've been notified twice prior to XX/XX/XXXX-THEIR DEADLINE. I called CFPB as well on XX/XX/XXXX in hopes they could do something to prevent this company from proceeding with legal action and adding additional monies to the amount due. CFPB suggested I submit a complaint against the company. I am not disputing the amount of the debt even though they already tacked {$360.00} onto the original debt of {$700.00}. What I am disputing is their debt collection practices. This company has a horrific reputation and needs to be investigated and I'm hopeful that CFPB will initiate that. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against Equifax for failing to properly investigate and correct inaccurate information on my credit report. Despite submitting multiple disputes, these inaccuracies persist, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and federal laws governing charged-off debts and 1099-C reporting. 

Details of the Complaint 1. XXXX XXXX XXXX Account This account is inaccurately reported as : Charged off with a balance of {$220.00}, inconsistent with the payment and balance history. 
Reflecting a payment date of XX/XX/year>, while other records report missed payments prior to that date. 
No indication of whether the charged-off debt was reported as canceled under IRS 1099-C guidelines, creating further inaccuracies. 

XXXX. XXXX XXXX XXXX Account This account inaccurately reports : A {$200.00} balance written off and {$120.00} past due as of XX/XX/year>, with no clarity on whether the debt is still collectible or canceled. 
A failure to issue or confirm the filing of a 1099-C for the written-off debt, as required under 26 U.S. Code 6050P.

These discrepancies violate 15 U.S.C. 1681 ( e ) ( requirement for maximum possible accuracy ) and 15 U.S.C. 1681 ( i ) ( requirement for proper reinvestigation of disputes ).

Reference to CFPB Concerns Regarding Equifax Equifax has been cited previously for its systemic issues in handling consumer disputes and ensuring accurate credit reporting. My experience reflects these concerns. Despite submitting valid disputes supported by evidence, Equifax has failed to properly investigate or correct the inaccurate information on my credit report.

Legal Violations Equifaxs failure to address these issues violates the following laws : 1. 15 U.S.C. 1601 Ensuring transparency and accuracy in credit reporting and billing practices.

2. 15 U.S.C. 1681 ( e ) Obligation to ensure the maximum possible accuracy of consumer credit information.

3. 15 U.S.C. 1681 ( i ) Duty to conduct a reasonable reinvestigation of disputed information.

4. 26 U.S. Code 6050P Requirement to issue a 1099-C for canceled or forgiven debts.

Desired Resolution I request the CFPB to investigate Equifax for its failure to comply with federal laws regarding credit reporting and dispute resolution. Specifically, I ask that Equifax be directed to : 1. Conduct a full reinvestigation of the XXXX XXXX XXXX and XXXX XXXX XXXX  accounts. 
XXXX. Verify whether the debts were canceled or forgiven, including the issuance of 1099-C forms where applicable.

3. Remove or correct all inaccurate or unverifiable information from my credit report.

4. Provide documentation of the reinvestigation and any verification obtained from the creditors.

Equifaxs failure to comply with these legal requirements has negatively impacted my creditworthiness and caused unnecessary financial stress. I trust the CFPB will take swift and appropriate action to address these violations and ensure Equifax is held accountable. 

Thank you for your attention to this matter. 

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

This is in regards to my XXXX XXXX XXXX finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and XXXX XXXX to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, XXXX XXXX, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from XXXX XXXX to support my claim.