23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am having issues with CCO mortgage corp sending my Escrow back on a mortgage that paid off. I have an envelope showing that I had the payoff sent to my new address and I have contacted the bank and my address has been changed since XXXX/XXXX/2014. CCO mortgage is saying that I never changed my address and they are saying I did not and even if it is changed at the bank mortgage is a separate company and have no responciblity to look in to it. I am now being told they will not reissue a check until 30 days after it was sent out and then they have additional 30 days to mail it out. Also they do not have to transfer me to a supervisor.
Product: Credit reporting or other personal consumer reports

This morning on XX/XX/ I woke up to emails and alerts from my XXXX XXXX app for multiple charges on my credit card. I called immediately and found out someone used my current credit card and also opened up another credit card with XXXX XXXX without my knowledge ( This would also mean my social security number was also compromised ). After this criminal used my credit card for bunch of purchases, he/she funded my credit card with my XXXX checking account that was linked to my XXXX XXXX mobile app.
Product: Vehicle loan or lease

This account is showing as if it is open showing on my credit report every month that I failed to pay. It has been closed. Not showing the correct balance and information is incorrect. Spoke with people at capital one and they claimed they will fix the problem. This account needs to be removed from my credit report because of all the incorrect information and loan term. Loan term was not 90 months. Very incorrect information. 

Account # XXXX Original Creditor CAPITAL ONE AUTO FINANce - - Account Type Auto Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance Balance XXXX XX/XX/XXXX Original Balance {$22000.00} Monthly Payment Past Due Amount Terms 90 Months Responsibility Individual
Product: Mortgage

The loan was paid in full by a wire transfer on XX/XX/2018 quicken loans messed up the payofff and didnt apply it until XX/XX/2018 after the help from the settlement title company. Not only are they trying to keep the extras days of interest but trying to charge us for the MIP for the month of XXXX in the amount of {$230.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighted 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 covering lost funds was impossible and that tracking these transactions was unfeasible. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Names on my credit report are completely wrong & Mis splled.. my full name w/ correct spelling is XXXX XXXX XXXX NOT . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please help me, I find this information to be very crucial on my credit report and I need it fixed.
Product: Debt collection

XX/XX/2020 I called Wells Fargo to question an amount owed on a private student loan I have with Wells Fargo. I have a payment due at the first of the month for the past 10 years has been between {$390.00} - {$400.00}. 

Recently due to Covid-19, I had to take forbearances that were offered by Wells Fargo from XXXX to about XX/XX/2020. My loans recently restarted on XX/XX/2020, first payment due XX/XX/2020 for XXXX, I paid. I recently called Wells Fargo on XX/XX/2020 around XXXX XXXX - XXXX XXXX  their automated system said my next loan payment on the XXXX of the month is {$570.00} which is about a $ XXXX {$170.00} increase when I spoke to a woman named XXXX from their executive office and other representatives at the company I was told due to taking Forbearances offered during Covid-19 emergency I was paying the interest that had accrued during those forbearances that I had to take due to being unemployed. I've used Forbearances from them in the past over the 10 years and while interest is accrued it never increased my payment so drastically. I believe they are using their policies to increase people 's payments at a time that they shouldn't be. It was never conveyed to me in a clear transparent matter that would happen. I find it predatorial as a business practice and I think this should be investigated. 

Best regards,
Product: Credit card or prepaid card

I have been a Discover Credit Card customer since XXXX and I was not receiving any email notifications, calls regarding my past due and payment posted late on my account in XX/XX/XXXX. I was going through hospitalization  from XXXX to XXXX due to my XXXX issue and there was an error in email thats why I havent received any communication to email and I was facing some identity theft issue and I moved to another house and my father XXXX  near to bathroom and he was also in hospital at that time and unfortunately I lost him in XX/XX/XXXX, and there is a gold jewelry robbery in my home of around XXXX $ worth, due to these multiple things going on at that time I was in full XXXX  and I was in impression that I already paid and as soon as I came from hospital I checked the account and paid immediately but they already reported this 30 day late payment in XX/XX/XXXX to all 3 credit bureaus. I contacted creditor multiple times and requested to remove this late payment but they did not helped me.
Product: Debt collection

The Company is Direct Recovery Services and they are calling for my ex husband they had called multiple times and then sent me a text message to my phone that I did not authorize on XX/XX/XXXX telling me to call XXXX. I did call on XX/XX/XXXX at XXXX and the lady when I told her to not call my number anymore was rude and hu on me so I called back to make sure they do not call my phone anymore and the gentleman advised me he would do so. Then I got a phone call that afternoon from XXXX. I called back and the man stated it was a curtosy call to advise me my number had been removed and I shouldn't receive anymore calls. The phone calls did stop for a while and then I received 3 phone calls from XXXX one was on XX/XX/XXXX at XXXX XXXX and 2 calls on XX/XX/XXXX on was at XXXX XXXX and then XXXX XXXX. They left a voice mail on my phone stating it was ugent I get ahold of them as soon as possible. I called back on XX/XX/XXXX at XXXX XXXX and spoke with a lady who informed me my account was removed from the account on XXXX however they are still calling me.
Product: Payday loan, title loan, personal loan, or advance loan

I was a victim of identity theft in XXXX i have filed police reports and fraud charges with the credit bureau i am at amscott trying for a loan and was told in XXXX of may i got a loan for XXXX i didn't ever get a loan from XXXX im just learning about this XX/XX/XXXX
Product: Checking or savings account

I made a purchase on an online arcade site for XXXX transaction totalling XXXX on XX/XX/XXXX for XXXX. XXXX on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I requested a deposit for money that I earned back from the company totalling XXXX. I was told the money was deposited in my account. The company which is called XXXX XXXX has told me they have already credited my account and that I needed to talk to my bank. In the interim, I have found that this company knowingly scams people and is part of many local lawsuits. I contacted my bank which has told me the transactions are valid and that I have to contact the merchant. The merchant tells me to contact my bank. This has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020, I attempted to make a cash deposit of {$300.00} at an ATM at Bank of America ( BoA ) XXXX XXXX XXXX XXXX, XXXX, MD. 

The ATM miss fed the deposit causing the bills to be jammed in the machine and irretrievable. I called the 800 number on the ATM regarding technical issues, explained my problem and asked if a representative from bank can come assist. 

I was told by the Call Center representative for BoA not to worry, a credit would post to my account and claim process would be initiated. 

I informed the rep, some of the are " hanging out of the machine '' and someone will come along with a tool and pry them out. I took a photo ( See attached ). A credit of {$300.00} was placed in my checking account within an hour. 

I received two letters from BoA. The first dated XX/XX/2020, stating a temporary credit was place on my account. The second dated XX/XX/2020 stating " we didn't locate any cash for this transaction ... the temporary credit will be debits from my account.. '' As a result I am going to lose the {$300.00} their ATM destroyed because they failed to send a representative from inside the building out to address this issue on the spot. 

I contacted the number provided on latest letter and asked for copies of documents used in there research on this claim including the call log of my conversation with their representative. 

I was told by CSR, that I need a court order to received those documents which seems counter to both their " We are here to help '' segment of the second letter and in violation of 12 CFR Part 1005 ( Reg. E ) Subsection 1005.11 Procedures for resolving errors.
Product: Mortgage

My husband and I have divorced and decided to sell our home. We have buyers who have decided to assume our loan and we are currently under contract with them. We filed our assumption request with Amerihome XX/XX/23 and have received zero communication from them. Our buyers have yet to receive an application. We have called multiple times and sent multiple emails trying to ascertain the status to no avail. This is ridiculous and shouldnt take this long. Our buyers are behind frustrated and weve had to push the closing twice now. They are ready to throw in the towel! Please help
Product: Checking or savings account

Fifth Third Bank XXXX account number XXXX Opened XX/XX/2020 Closed Date XX/XX/2020 Account closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Was the 1st attempt of requesting the removal of public information reporting inaccurately which is in direct violation of 15 US CODE:1681 1 ( I ) 5, 15 USC 1681e , 15 USC 1681a4 , 15usc 1681n Company : XXXX XXXX Equifax Despite multiple disputes, phone calls and certified mail-along with a letter from the clerk of court requesting the removal of these three public records reporting inaccurately. XXXX along with XXXX and Equifax have continually ignored my request. This is a clear violation of my rights under 15 USC 1681a ( 4 ), which mandates the need for consumer reporting agencies to ensure the maximum accuracy of information in consumer reports. I have provided all necessary documentation, and I am extremely dissatisfied with the lack of response and resolution. I am attaching all relevant information for your review and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX in XXXX of XXXX. I always made my payments on time throughout my lease. I traded my jeep in for another vehicle around end of XX/XX/XXXX. They received a check for balance of my loan and they received the title on or around XX/XX/XXXX. Since then, they have had my account as past due. I have contacted them several times, as I didn't want anything on my credit report. They stated that they had the check and it was pending and they shouldn't have anything on my credit report. I recently looked at my credit report, and there was a " 30 day late payment '' on my report from them, in which my credit score dropped over 30 points. I contacted them and they put my complaint through accounting. They told me to give them 5 to 7 business days so they can take care of it. This was on XXXX XXXX. I checked my credit report on XX/XX/XXXX, and the derogatory mark was still on my credit report. I called them again, and they informed me that they didn't report it as late payment. They told me my account was cleared and they reported " on time payment ". I asked them to remove that credit reporting error, and they informed me that they couldn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX XXXXXXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.
Product: Debt collection

Dear Citibank, I believe this information is inaccurate I didn't give any authorization or consent to any persons to furnish my credit report.Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more then 20 years, or both.In any prosecution under this section for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected.
Product: Student loan

In XX/XX/2023 I Applied for Income-Driven Repayment to see if it would lower my payments from {$210.00}. Without being given any opportunity to see what would be offered under such a plan, my loan servicer AIDVANTAGE simply imposed an IDR payment schedule on me that increased my monthly payments five-fold to {$1000.00}. On XX/XX/2023 I made a written complaint to AIDVANTAGE, rejecting the IDR, only to have them unilaterally impose another plan maintaining that five-fold increase for 7 months and then reducing to {$260.00}. Again, this was without offering me any opportunity to see what the terms would be before accepting or rejecting. My debt to income ratio makes it impossible for me to make those elevated payments. I would never have agreed to those payment terms had I been able to see them first.
Product: Debt collection

Allied Collection Service was sold my account, a {$140.00} debt from XXXX ... This debt was originally paid, and then I disputed it with XXXX  XXXX XXXX XXXX XXXX was paid through XXXX  XXXX XXXX and I won the dispute ... I promptly cancelled my XXXX account ... Unbeknownst to me, XXXX sold my account and it's phantom debt to Allied Collection Service. Allied Collection Service, without any notification to me, then put a derogatory mark on my credit. I disputed that and I also won, and the debt was removed from my account ... Allied Collection Service then sold my account to another debt collector who marked my credit, which is another fight
Product: Checking or savings account

******BELOW IS THE TEXT FROM MY LETTER PREVIOUSLY WRITTEN AND MAILED TO THE FTC . MY ISSUES RELATED TO INQUIRY REMOVAL LLC HAE BEEN RESOLVED BUT I HAVE YET TO RESOLVE MY ISSUES WITH BANK OF AMERICA. ***** *****I was given something called a TRMS # from BOA on how to track the complaint I filed with them. Its a case number for victims of scams claims. ( XXXX ) ... The business bank account that scammed me was Routing # XXXX Checking XXXX  XXXX and the name on the account in XXXX XXXX ( XX/XX/XXXX Federal Trade Commission Attn : Consumer Complaint Dept. 
XXXX XXXX XXXX Washington, DC XXXX Dear Federal Trade Commission, I am writing a letter to explain the series of events that have effected me and my business and business accounts. 
I was recently a victim of two scams. Both occurring at the same time of the year, one initiating in early XXXX I believe and the other was a back up service which also ended up turning south. 
I paid one company {$2200.00} through a Bank of America business bank account who turned out not to be a real business at all, and I paid another company shortly who seemed more trusted than the previous, to do the job I needed done but not only did they not do the job, but collected {$600.00} in payment and has been promising me a rightfully owed refund since XX/XX/XXXX, and still is until today. 
I am looking to retrieve my {$600.00} from XXXX XXXX XXXX and my {$2200.00} I deposited into a business bank account with Bank of America. 
I received a referral from a loan lender to a credit repair specialist that was supposed to be trusted but turned out to be fraud. The credit repair person was in fact someone who had managed to somehow open a Bank Of America business account in another state where my payment for services had been deposited. 
I filed a police report, and my investigation had been conducted by a detective here in XXXX, MA. XXXX XXXX had been in touch with BOA and had subpoenaed the records of my deposits and the imposters withdrawals of the funds. The detective also had managed to track down the person by contacting a detective in another state who had suspects detained relating to the same business account. 
Bank of America has been difficult throughout the entire process, and I have not had any luck retrieving any of my funds deposited into one of their business bank accounts. 
Please help, I have provided all my documentation from start to finish throughout this entire process with both companies and I expect a phone call or email in return on how the FTC can help me with retrieving my funds back from Bank Of America and XXXX XXXX XXXX. 
Sincerely yours, XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with TransUnion XXXX XXXX  pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX Missouri. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 around XXXX, I received a fraud alert text form a number posing to be Wells Fargo XXXX when I responded no ( as in No the transaction being put on fraud alert is not me ) I received a call from XXXX, with a person claiming to be a Wells Fargo fraud center rep, who advised me I had multiple fraudulent XXXX transactions being pulled from my account. They then proceeded to explain I needed to go into my mobile banking and sign on to XXXX, create myself as a recipient and give them the code, so they can receive the money being pulled out and send it back to me. I asked why they could not just stop the transaction, and was advised because XXXX is a third party app, they were not able to do so. Therefore I proceeded to comply thinking I would just stop the money from being fraudulently taken from my account. Once the transaction was completed, they hung up on me. It was not until after, that I realized they swapped one number out from Wells Fargos XXXX number ( XXXX ). I immediately called my bank an filed a fraud claim and asked if they could stop the transaction and refund my money. After multiple phone calls to check on on my claim status, Wells Fargo advised me they Do not guarantee goods and services through the XXXX app, and denied returning my money. I have now lost {$3000.00}, that I will never see because I trusted my financial institution. I believe this is a violation of the electronic funds transfer act/regulation e, and am trying to find a channel where I am pursue resolve. I hope the cfpb can help me. Thank you.
Product: Credit reporting or other personal consumer reports

In checking over my credit report, I discovered several hard inquiries that I did not authorize.