23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXXXXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXXXXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$1000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Checking or savings account

I am writing to formally dispute the handling of my fraud claims by Bank of America. 

I was a victim of a data breach, resulting in fraudulent activities on my Bank of America account. Despite my immediate reporting and the initial acknowledgment of the fraud, Bank of America has failed to manage this situation adequately. The mishandling has led to several significant issues : 1. **Reversal of Valid Fraud Claim : ** My fraud claim, which was initially accepted, has been reversed without proper resolution. This unjust reversal has caused a cascading effect of financial troubles.

2. **Rejected Payments Due to Insufficient Funds : ** Due to the reversal, several scheduled payments from my account were rejected for insufficient funds. This includes critical payments towards my XXXX XXXX credit card. These rejections have been recorded despite having legitimate funds in my account prior to the reversal. 

XXXX. **Closure of XXXX XXXX XXXX XXXX XXXX : ** The failure to make timely payments to my XXXX XXXX XXXX XXXX, directly caused by the mishandling of my Bank of America account, has led to the closure of my XXXX XXXX XXXX XXXX. This closure has negatively affected my credit availability and overall financial standing. 

XXXX. **Closure of Bank of America Account XXXX ** Bank of America proceeded to close my bank account. This drastic action terminated my ability to make direct deposits and withdrawals, further complicating my financial management. 

XXXX. **Adverse Impact on FICO Score : ** Due to the accumulation of missed payments and the sudden increase in my credit card usage ratio, my XXXX score has suffered significantly. The mishandling by Bank of America is directly responsible for this decline in my credit health. 

In summary, the mishandling of my fraud claim by Bank of America has caused severe financial disruption, including the closure of my accounts, missed payments, and damage to my XXXX XXXX. I urgently request your intervention to rectify this situation, reinstate my accounts, reverse any unjust penalties and charges, and correct the negative impact on my credit report. 

I am attaching all relevant documentation and communication regarding this matter. Your prompt attention to this dispute will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$680.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$6700.00} XXXX  XXXX Balance {$0.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Product: Bank account or service

I received the attached document from Wells Fargo and know that I have no outstanding debt with Wells Fargo.
Product: Mortgage

I applied for a forebearance plan with my mortgage and within a day I received a confirmation e-mail from the collector that I had been approved to the plan, however, I would still receive a letter in the mail with details on when it official begins and the duration of such plan. Furthermore, I found communicated obscurely that am required to accept the terms and returned this document with a signature in order for it to be activated. The " approval of plan '' e-mail is misleading in both wording and in creating a false sense that you are in fact covered by the plan when you are not. 

This crucial letter never came, and now my pay period ( XX/XX/2020 ) is coming in under a week. Not knowing whether this month is covered by my forebearance plan and never having signed the agreement and returned it, I now have no choice but to make a full payment to my mortgage. I fear if I do not make this payment, which I can not afford to, it will impact my credit score and I will also be penalized with a fee.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

hello XXXX XXXX XXXX XXXX and im trying to buy a house and build my credit but because of the inaccurate information under 15 U.S.C 1681, the banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. THIS IS A DEFAMATION TO MY CHARACTER AND ITS REALLY DAMAGING PLEASE FIX IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 

Please fix the following accounts : XXXX XXXX Balance : {$41.00} XXXX XXXX XXXX Balance : {$3400.00} Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( XXXX ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED
Product: Mortgage

Several of my mortgage payments have been mis-allocated when received by the mortgage company, resulting in a claim by the bank that I have missed payments and resulting in negative information being reported on my credit report. I previously filed a complaint, and the company responded that they were able to find two mis-allocated payments but were still missing the XX/XX/2018 payment. The bank claimed that they attempted to reach out to me to resolve, but I have received no written response from the lender, and had previously blocked their phone number due to harassing phone calls I received regarding missing payments that I had in fact paid.
Product: Credit reporting or other personal consumer reports

I am formally filling a complaint regarding a significant discrepancy in the balance of my account, XXXX XXXX XXXX XXXX Balance : {$16000.00} with XXXX XXXX XXXX. I have attached relevant documents to support my claim and provide further details. On XX/XX/year>, I noticed that the current balance displayed on my account statement does not align with my records and calculations. After conducting a thorough review of my transactions and payments, I have identified several discrepancies that have led to an inaccurate account balance.
Product: Mortgage

I am currently have a loan through Freedom Mortgage. I have decided to refinance with another company and I can not get Freedom Mortgage to send the Payoff Statement to my new title company and lender. I can not close on my new loan without the Payoff statement. Today is XX/XX/XXXX. The title company has been trying to get a copy of the payoff statement since XX/XX/XXXX. Freedom Mortgage will only give a payoff after 72 hours from the request. This is much more than the 72 hour window they require. I feel as if Freedom Mortgage is holding my payoff statement hostage so they can get additional interest and possibly a late payment if they do not quickly send this payoff statement. There is no way to get it online besides sending an email. When you request it by phone, they still will not give it if is not in what they see as the 72 hour window.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Money transfer, virtual currency, or money service

I want to withdraw my money, but I have been unable to add a bank, I have been trying to contact paypal, but this company can't get in touch with them, So I need to add another bank to withdraw my money. Sorry, we cant link your bank account right now. It's been the same mistake .My email address is XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, XXXX payments for exactly same amount were drawn on Bank of America XXXX and paid to Bank of America VISA credit card XXXX XX/XX/XXXX, called Bank of America to report duplicate payment, and was advised a claim was opened to reverse the duplicate payment After waiting a few weeks, expecting prompt resolution, funds have still not been returned to my XXXX  On XX/XX/XXXX, upon checking through online banking for dispute status, I had no notifications and online chat stated no open dispute and no history of dispute within past 120 days. Upon calling Bank of America, I was transferred multiple times and misdirected by multiple agents, and was ultimately transferred back to the main customer service line, on hold waiting for an agent for 35 minutes, after which call was picked up and I was placed on mute for about 7 minutes with no agent answering and then the call was disconnected by the bank. I called back through online banking customer support, and the agent assisted in connecting me to Claims. Claims agent confirmed dispute that I originated on XXXX XXXX and stated that the claim was in review status, and they had up to two billing cycles to resolve. Upon challenging the agent that it sounds like they are handling as a credit card dispute vs. a Reg E payment dispute, she refused to escalate to a manager or to have a manager call me back. I advised her that this was being mishandled and that I was asserting and. executive complaint and reporting to CFPB, after which she either placed my call on mute or just discontinued responding to me or acknowledging me. After about 10 minutes this last call was also disconnected by the bank. 

After 2 1/2 hours trying to resolve, no resolution, no notification through my online banking account, no e-mail response and no escalation callback.
Product: Debt collection

They continue to call everday and always leave a silent voice mail ( no body speaks )
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 lawsuits highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial situation and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund were impossible and that tracking these transactions was infeasible. 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 card

On XX/XX/year> I first sent letters Disputing this XXXX accounts to the credit bureau that Chase seems to be reporting on my credit report, I waited the 30 days and did not receive anything back. Which then I was like ok maybe they didn't get the letter, so on XX/XX/year> I sent it directly to them this time to the address that is being reported on my credit report. Which I have attached said letter letting them know I am disputing this account, and am asking them to validate this account by showing me proof of the following items. 

Validation of Debt : Please provide all documentation that substantiates this debt, including but not limited to : A copy of the signed contract or agreement that indicates I have an account with your company. Detailed account information showing the original creditor, itemization of the debt, and the dates associated with the debt. 
XXXX. Proof of Ownership : Evidence that your company has the legal right to collect this debt, including any assignments or transfers of ownership. 

Along with I asked them to stop all collections at this time, until they are willing to provide me with enough proof to show me that they in fact have the right to come after me. I have no knowledge of having an account with them or signed contract, if they can provide me the proof I am asking for then we can work something out. 

Which they have actually failed to provide me this information. Instead they decided to provide me with a letter that is basically a stall letter. Asking me to very my information to them, along with proof for my address, as my first round I had sent them a photocopy of my Drivers License along with proof of address. I have also provide them with my signature, I would hate for this matter to have to go any other way all I am asking for is the proof which if they are unable to provide the proof them I am asking for this to be removed. IF this is not removed and proof is not provide I will seek other means if need be to get this handled.
Product: Debt collection

A debt collector is saying I owe them money for a service that was never rendered. XXXX XXXX signed up my company XXXX XXXX XXXX XXXX for internet service and they never showed up to install it or send any equipment. They sold to another company XXXX who now is asking me to pay {$2400.00} and have even put a collection on my personal credit report. I've explained to the debt collector Radius Global Solutions that this isn't my debt and i've disputed it multiple times and its still on my report.
Product: Checking or savings account

PNC advertised a XXXX  % interest rate savings account, which can only be opened online. I opened a savings account expecting to get the XXXX  % interest rate. The online information does not state the interest rate. After XXXX month, I saw that the interest applied was XXXX %. I called PNC and they said that I do not qualify for the XXXX  % rate. But there was no transparency as to how to qualify or whether I qualified. XXXX reason PNC stated for not qualifying is that I live in XXXX. But when I enter my zip code in the PNC website, the same offer appears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a cosigner on a auto loan for my Daughter-in-law 's car. Back in XX/XX/2020 Capital One auto finance came and took the car for a broken payment arrangement. I paid Capital the payment that day and got the car back from tow company. We've paid and had possession of the car until this year when it was sold to XXXX and paid off. I would like for the repossession to be removed from my credit report. It is affecting me from getting a loan. I believe it's only fair since we had and paid off the loan. Capital one never took full possession of the car.
Product: Credit card or prepaid card

I received a fraudulent charge of {$80.00} on my Capital One credit card. I let Capital One know- I HAVE NEVER RECEIVED GOODS/SERVICES for this fraudulent {$80.00}. 
Expecting me to cave in and pay for something I have never received, they corruptly charged interest on this item, which is now {$190.00}. 
I will fight to the end for what is right, on this fraudulent charge. 
I never received these goods or services and will not pay for something I never received. 
Capital One is a corrupt bank and the world needs to know about them.
Product: Debt collection

Received a letter from National Service Bureau on XXXX ( letter was dated XXXX ) stating I had a 5 day notice to respond to them or else I could face my license being suspended, or removal of my vehicle registration. They say this is because I did not have insurance when I was in an auto accident on XXXX. This is false as the vehicle was on a loan, and insurance is automatically applied by bank, and I had insurance through my credit union. There is also nothing on my credit report stating anything is in collections. They have contacted my family members as well through phone. They have attempted to call me on numerous numbers, but I do not answer phone calls from unknown numbers. I have not reached out to them because I doubt the legitimacy of this agency, and I am worried any contact could increase harassment. I provided insurance information to credit union at time of accident and vehicle was totaled out, and insurance paid around XXXX for vehicle if my memory is accurate.
Product: Bank account or service

Bank does n't want to return my ach deposit on a closed account. I met with a banker named XXXX XXXX that put a return of funds. Wells Fargo Bank failed to make such easy task.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for Illegal Debt Sale and Improper Handling of Collateral Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against XXXX XXXX XXXX regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with XXXX for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, XXXX took the following actions that I believe are illegal and unethical : XXXXXXXX XXXXSale of Debt to CollectionsXXXX : XXXX sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

XXXX XXXXSale of CollateraXXXX XXXX XXXX sold my XXXX  XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

XXXX. XXXXUnjust Expectation of PaymentXXXX : After selling the vehicle and applying the sale proceeds, XXXX is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that XXXX actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against XXXX for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - XXXX  report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

Sincerely, XXXX XXXX