23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am attempting to recast my mortgage, paging down the principal to get below the mortgage insurance threshold. I called the lender and they directed me to an email address. The instructions were to include details about my mortgage and proposed recast amount. I provided the information and have followed about several times over the last 2 weeks but have received no response. 

This process is not clear for the customer and makes it difficult if not impossible to achieve the goal of recasting.
Product: Checking or savings account

I opened a wells fargo checking account on XX/XX/ 2023 through online. 
while I was opening the account, wells fargo asked to put the minimum deposit to open an account. so I made {$100.00} transfer to wells fargo account # XXXX from my XXXX account # XXXX. On my XXXXXXXX XXXX statement, {$100.00} was transfered to wellsfargo on XX/XX/XXXX. 
on the same day, I fount out there is no branch near me so I wanted to close the wells fargo account I just opened. 

{$100.00} already transferred to wells fargo account from XXXX. I spoke to XXXX and they said {$100.00} already left out of their hands and settled to wells fargo. 

I talked to the agent in wells fargo and they never received {$100.00}. 

Because I closed the account on the same day I made transfer, but that transactions was not cancelled and I need {$100.00} back to my XXXX account. The agent who closed my account did not do the right action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has velated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

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

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CITIBANK , N.A . I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CITIBANK , N.A . on XX/XX/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CITIBANK N.A XXXX adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( iii ) are up to ( {$5000.00} ). CITIBANK N.A. is now civilly liable to pay me for the damages.
Product: Debt collection

On XX/XX/2022 I spoke to a Collection specialist about my account. I made them aware that as a result of covid I lost my business and had no income. The only way they could help me was by setting up a payment plan with a minimum of XXXX per month. This would protect me from late fees, interest charges and a negative credit score impact. This company has not followed thru. They continue to falsely report my account with no payment since XXXX. This is hurting my credit score more than having a collection on file. XXXX refuses to help me clear this up and is taking my payments without acting on what was promised. I have contacted apple 13 times with no success. This company is taking my money but still claiming I have not made a payment.They took my money today and still ; threatened me an hour later
Product: Checking or savings account

This is my 3rd complain regarding TD Bank that does not honor the {$200.00} sign up bonus. I believe the reason given was either technical glitch or fraudulent activity. On the TD Bank respond datedXX/XX/2020 ; the reason why I have been disqualified for the {$200.00} bonus because I made a {$1500.00} transfer on XX/XX/XXXX which was reflected on the Saving Account statement dated XX/XX/2020. 

However, I believe that transfer was not made by me. I believe that transfer was either technical glitch or fraud for the following reasons : 1. On the Saving statement ended XX/XX/20, the transaction on XX/XX/XXXX was marked as Transfer FROM Checking Account. It was NOT marked as Transfer TO Checking account. 

2. On the Checking account ended XX/XX/20, there was a transaction on XX/XX/XXXX that showed the {$1500.00} transfer from Saving to Checking. However, there was no transaction recorded that show the XX/XX/XXXX transfer from Checking to Saving in the Checking Statement ended XX/XX/2020that is supposed to be synched with the Saving Statement XX/XX/2020. 

Therefore, there is no complete synched records on both Saving and Checking statements. Too many errors that are not synch. TD Bank has no strong evidence to say that I was the one that made that {$1500.00} transfer from Saving to Checking account. I believe that {$1500.00} was either technical glitch or fraud. 

3. When I first saw those transaction back in XXXX 2020, I believed it was just technical glitched. So, I asked Customer Service through TD messaging system about it. On the message dated XX/XX/XXXX, I was assured that I was still qualified for the bonus despite {$15.00} maintenance fee. Therefore, I let my money stay in TD Saving account and wait for the bonus. So, consideration has been given based on the contract that has been made. 

4. TD Bank fail to give me proof that the transfer on XXXX/2020 per Checking statement was really happened and initiated by the account holder. 

5. I dont believe I made such a mistake that disqualify me for the {$200.00} bonus. I am pretty good in this type of game. The fact that now TDBank uses it as an excuse to disqualify me to get the bonus that I am entitled to ; that makes me suspicious that the glitch was fraudulent all along as way to trick customer especially the one with immigrants name like mine. 

Please send me the {$200.00} check to my home address.
Product: Credit card or prepaid card

Placed an order online with the Citi credit card on XXXXOn XX/XX/22 the merchant email stated that they are unable to ship until the end of XXXX. I respond and asked them to cancel the order and no response from them. I opened a dispute on XX/XX/22 on Citi website due to no response/item not received. On XX/XX/22 Citi closed the 2 months investigation and reversed the credit. From the merchant 's documentation Citi provided I do NOT see any supporting evidence that the merchant has shipped the merchandise. It looks like a payment confirmation to me. I also went into my order from the merchant 's website, my order is still in process that has not shipped.
Product: Mortgage

It has just been confirmed through the XXXX that the consumers loan is contained in pool number XXXX which is contained in the Mortgage Backed Security with a XXXX number of XXXX was delivered to the XXXX on XXXX by JP Morgan. This is not what is being represented in a foreclosure court case involving the consumers. The Consumers were not disclosed the involvement of JP Morgan and do not have a contract with them. The Closing of XXXX XXXX, 2009 used a false Lender within the Note and Mortgage which invalids the alleged contracts in light of the new evidence. Consumer was also alerted to the fabrication of a second Note and Mortgage containing different signatures of the Consumers which has been verified through Forensic examination. The Servicer, XXXX has confirmed that the Note and Mortgage in their database is not the Note and Mortgage in the above referenced Court Case. The Servicer/Plaintiff is pleading that it is foreclosing for itself which is fraud upon the court. We request that JPMorgan submit copies of the Note and Mortgage delivered to the XXXX on XXXX and explain why they are not litigating the court case as there is an obvious cloud on consumers title as JPMorgan is not listed on the note or mortgage and is not in the chain of title yet has benefited by consumers loan documentation. These nondisclosures, fabricated notes and mortgages, and wrongful foreclosure are violations to the consumers on a grand scale.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles management of disputes, particularly in the context of the recent CFPB lawsuit, which has highlighted serious problems with the platform. Despite using Zelle extensively and reporting discrepancies, neither my financial institution nor Zelle itself adequately investigated my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed 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 deeply troubling and raises significant concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX As per IRS regulations , a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations.

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies.

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns in regards to the way Zelle handled disputes. The law suite by CFPB has allowed me to see this is a bigger issue than what I thought. I have used Zelle many times over the years and despite my complaints and reporting issues, Zelle and my financial institution failed to properly investigate the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information being reported are erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : 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. Please send me copies of results of your investigation, in the event you believe that the disputed items are accurate. in the absence of such documents, correct or remove the disputed information on my Credit File.
Product: Debt collection

JPMCB Card Services violated 6 of my federally protected consumer rights in the collection of debt. 

15 USC 1692b ( 5 ) 15 USC 1692b ( 2 ) 15 USC 1692e ( 11 ) 15 USC 1692e FCRA 15 USC 1681 FDCPA 15 USC 1692d ( 1 ) I have attached exhibits as proof, explaining each violation.
Product: Debt collection

The XXXX XXXX XXXXXXXX was charging renter insurance on my account for how many months that I dont know and I already had renter insurance so that need to reimburse for all the months they where their charging me. At this point Ive asked them if they could fix this problem which they refused and they are not even responding to my emails. They have reported this to collection agency and I just think this is fraudulent.
Product: Debt collection

During the month of XXXX, I have made repeated communication attempts with the law office of XXXX XXXX XXXX ( XXXX, MI ) who is trying to collect a debt from me regarding an unpaid college balance ( it is not a loan ). 

Initially, I was told misinformation about how the interest is applied to the principal and, after over 30 emails with the company, managed to have them explain to me that they made a mistake and recanted their initial statement about the interest. They attempted to have me sign the same agreement anyway at this point, but I declined saying that they would need to update the agreement to reflect the mistake they made. They did so. 

However, today ( XX/XX/2020 ) was the first day I was to make a {$50.00} payment, which I believed we had amicably decided upon after I accused them of being abusive and they lowered the monthly amount. My issue : the agreement reflects that my balance is {$5800.00} INCLUDING court fees, but their online portal says I owe {$6200.00} ( nearly {$400.00} more ). 

I attempted to contact XXXX and XXXX, who I was in communication with, but both were out of the office according to someone named XXXX. When I explained my complaint, XXXX said, " Oh, I'm uh, I'm going to work on that today. Sometimes the balances are reflected differently on the site than in the agreements. '' Excuse me for feeling suspicious, but that is not legal, right? 

I can not in good conscience make a payment on a debt if they are violating the Fair Debt Collection Practices Act. I have written proof that I have been suspicious of this company and called them out on it, and they have only cited blunders in their defense every step of the way. Now their website says I owe a significant amount more. 

I have proof of all communication with this debt collector, and a screenshot of the website that says I owed more than we legally agreed on ( about 6 % more in fact ). I also have a copy of the agreement that does not reflect the website 's amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX Experian, XXXX  - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hi CFPB and Citi Bank Compliant office, I have citibank credit card which is closed now. I could not able to cash my rewards amount total of {$54.00}. I want citi bank to send me my {$54.00} rewards deposited to my checking or send me a check to my address.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying a {$200.00} payday loan in full XXXX XXXX created a line of credit for XXXX dollars using information from my payday loan file. It was unauthorized and now XXXX XXXX is attempting to force me to pay. Attached is their paperwork which does not bear my signature or contain my correct banking information on the so called contract.
Product: Money transfer, virtual currency, or money service

Binance.us has had my account locked and all my trading is disable. I can not withdraw my money or continue to trade I have sent a countless amount of tickets and the problem still has not been fixed. No real resolution just tickets stating they received my tickets. I need help
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern about the ongoing issue of fraudulent items on my credit report. Despite multiple attempts, I have been unsuccessful in having these fraudulent entries removed. 

I have diligently followed the proper procedures for disputing fraudulent items and have submitted the required documentation to substantiate my claims. However, the fraudulent items persist on my credit report, negatively impacting my creditworthiness and causing significant distress. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to rectify this matter promptly. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I kindly request that you conduct a thorough investigation into the fraudulent items on my credit report and take immediate action to remove them. I have attached supporting documentation to assist in your investigation. 

I expect a written response within 30 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : 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: Mortgage

I just purchased a home. My mortgage was bought from the lender by M & T Bank. My first payment is due XX/XX/XXXX. I followed the instructions to set up my account and get an account can not be verified error. I called numerous times and got no answers from the bank. Sick of the run around.