23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were in forbearance for 11 months due to financial hardship. We have have been trying to arrange restarting regular payments starting XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXXXXXX  we filled out the required application and uploaded the required documents. We also communicated with Citizens multiple times by phone during that time. We made a payment of our regular amount by phone in XXXX XXXX. However, we were informed by phone in early XX/XX/XXXX that we are being put on a trail repayment plan of a reduced amount for three months : XXXX, XXXX, XXXX. Of XXXX. We were told we would receive a letter to sign to confirm this. 

We have not yet received a letter. On XX/XX/XXXX, we received a large envelope with two letters dated from XXXX and XXXX of XXXX. I photographed these and sent the picture to Citizens asking why we received these and not the appropriate letter. I was called on XX/XX/XXXXXXXX  and reassured that the correct letter had been sent. 

Today, XX/XX/XXXX, we received an envelope from Citizens with a letter saying that we are in default and that if we want loan modification we should fill out an application. We have asked multiple times to have a specific person we can communicate directly with to sort this all out, and they have not provided the requested information. We have not been provided with a direct contact. And we have not been sent the letter to sign for our trial three-month repayment plan. 

We want to resolve this matter as soon as possible and resume our regular payments!
Product: Credit reporting or other personal consumer reports

My credit score has significantly decreased due to inaccurate reporting of accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Per 15 U.S.C 1681 Congressional findings states " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. '' Im requesting the creditor and reporting agency to send me documentation that those third-party creditors used to verify such account I have open with them. UCC1-308 *all rights reserved.
Product: Checking or savings account

My identity has been stolen and someone had my SSN. They opened a savings and checking account in my name online on XX/XX/XXXX. We found out about it and closed the account XX/XX/XXXX and told the them they need to block anyone else from opening any more account in my name. Well, another account ( savings and checking ) was opened with huntington bank XX/XX/XXXX. Now we have to file police report and go through the whole process again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I am here to correct the inaccurate and incorrect information on my credit profile multiple times, the company is refusing to delete any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is listed as a installment loan, it is not, this an alarm system that i never used, and ask this company to remove it, they would not, so i removed it, never used this system.This account has been sold, but know name who is the collection agency.
Product: Debt collection

this company has an account purchase through collections with my social security number that was a result of identity theft. i have disputed this account and provided documentation to prove that the account which has none of the correct personal information was not mine, the account was deleted from all three bureaus after being investigated but this company continues to harass me.i filed a FTC report as well.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this 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 were impossible and that tracking these transactions were unfeasible. The CFBSs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I see that Transunion Privacy Policy states : With your consent. Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. You may revoke your consent at any time. 


**At this time I am revoking consent for Transunion to share, sell or furnish my personal information. **
Product: Checking or savings account

On XX/XX/XXXX I opened up a CD with Bank of America for {$300000.00}. I wasn't sure of whether I would need that money before the CD terminated so I specifically asked the sales person if there are penalties for closing the account early. He said that I would only lose the interest that I had earned. I was fine with this and proceeded with opening the CD. 

On XX/XX/XXXX I cashed in the CD early as I purchased a property on XX/XX/XXXX that I then needed the funds for. 

To my horror, Bank of America charged me the interest as expected of XXXX ( XXXX ) in addition to a penalty of XXXX for a total of XXXX. 

I was shocked. I complained to the bank there and then explaining that I double checked with the sales agent when I opened the CD. They filed a complaint for me there and then in the branch. I had to call many times to follow up on the complaint only to be finally told I was unsuccessful without an explanation as to why. They could not verify if they had listened to the recorded sales phone call on XX/XX/XXXX. I specifically asked for a copy of the phone recording and they refuse to provide it to me. 

I find this penalty outrageous. If they had of been honest when I was opening the CD I would not have proceeded. Bank of America should not be able to con consumers like this.
Product: Credit reporting or other personal consumer reports

Lexis Nexis and XXXX XXXX  are willingly violating my FCRA rights because they are willingly and knowingly reporting inaccurate false information that I have previously disputed. They are reporting that I have a Eviction or Judgement under the ( Suits & Judgments for Eviction, Possession and/or Non-Payment of Rent Report section ) of their report and this is misleading and inaccurate. Preventing me and my kids from getting a home. 

As you will see, this was a judgement for a " XXXX '' loan through XXXX XXXX that was resolved and included in my bankruptcy that has been XXXX. 

A Car loan is not related to an " eviction, possession and/or Non Payment of Rent ''. Furthermore it is not lawful to report information that was XXXX in a bankruptcy.
Product: Debt collection

On XX/XX/XXXX, I received {$1000.00} from XXXX to my Bank account ( Citizens Bank ), at that time, I do not know who sent this money, I thought it is a mistake wire. so I called Citizens bank and ask them to return this money back to the sender. on XX/XX/XXXX, {$1000.00} deducted from my account, shows XXXX Debit {$1000.00}. A couple of days later, The sender contacted me, he told me he sent me money through XXXX. But the money {$1000.00} was deducted from my account already. I think this money will back to the sender account. so, I did nothing. But after a month, the sender still not received the returned money, Neither I. I called Citizens Bank on XX/XX/XXXX, I was told they are working on it, 10 days passed, still no answer. I also send an online message to Citizens bank on XX/XX/XXXX and XX/XX/XXXX, they reply the same : " Our records indicate you disputed a {$1000.00} XXXX credit posted to your account on XX/XX/2021. Per your request, we have debited your account {$1000.00} for credit received on XX/XX/XXXX, XXXX " and Citizens Bank ask me to contact Sender. I called the sender, he said he also contacted his bank to get this money back, but still no feedback.
Product: Checking or savings account

I have an account in   XXXX   XXXX   XXXX  . My online access is not working even after creating the password twice in a single day. There is a lot of wait and hold times and customer service is not helpful either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I noticed I was a victim of fraud, I just turned XXXX so I honestly didn't know too much about credit until I needed it. From what I am told minors SSN are used by fraudsters to get many different things apartments, credit, loans etc. Unfortunately, I was a victim of this. I contacted XXXX, XXXX, and Equifax and told them of this XXXX was the quickest to fix my credit report. XXXX was the second to be fixed and Equifax I've been fighting from the date above until now XX/XX/XXXX. All the bureaus mentioned have all documents needed to fix this huge issue ex : DL, Birth certificate, SSN card. Who ever had my SSN was able to 1. change the last 4 digits with the credit bureaus 2.change my DOB 3. open authorized users in my name. 4. have creditors inquire on my credit report 10+ inquires ... Ive been given a total of eight dispute confirmations from Equifax none have a outcome still. This set me back before I ever got started to build credit.
Product: Mortgage

I had to file bankruptcy in XXXX and have been trying to work with Wells Fargo to get a loan modification / payment reduction ever since. I have called and left messages with my name, loan number, and phone number. They have not returned my phone calls, which they say is within 48 hours and finally one of the reps told me they had closed my account in XXXX, XXXX this is XXXX, XXXX and they are intending to issue a motion to release on my home. This has not been the XXXX time Wells Fargo has done this, I will call to speak with my preservation person whom many times I had to leave a voice mail, only to find out from another rep my account had been closed. This phone tag activity has gone on since XXXX. I have sent paperwork to them on numerous occasions and have been turned down over and over again. I have shown them we do not own a business because they accused us of hiding money, because my husband did on the side handyman work to make ends meet. We had a rental house that was empty for 3 years and they even took pictures to the fact but said we could get future income. That house was foreclosed on. Wells Fargo said the investor does not allow modifications, but Wells Fargo has many programs. Wells Fargo took pictures of my home and told my insurance company that the home was vacate/unoccupied and now they want to cancel my homeowners insurance this month, XXXX XXXX. We had an electrical fire back in XXXX/XXXX/XXXX, the insurance did not cover items the City of XXXX said had to be done, it had been hard finding a contractor, but one at my church will do it. We have been living with family, friends, hotel and at the church apartment now. My husband became ill in XXXX, XXXX, has not worked since. He had XXXX in XXXX, XXXX, XXXX in XXXX, XXXX and his company XXXX XXXX, XXXX. I am XXXX years old, working, I owe more on my house than it is worth, all I want is an affordable mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX and XXXX have both violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 it also states : " A consumer reporting agency can not furnish an account without my WRITTEN instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 someone fraudulently used my CashApp account to withdrawal money from my CashApp wallet as well as my bank account. I was able to contact my bank and submit a Regulation E claim for the fraudulent transaction, which they promptly resolved. However, when I tried to submit a notice of error to CashApp for the {$200.00} taken from my wallet on Cash App, I have been running in circles to submit my notice of error. 

I went the the CashApp website and contacted the telephone number given under its error resolution notice ( XXXX ). However, when I call this number it give a message that states that " Live phone support is not generally available at this time. '' The recorded message provides a website for further help. When you go to that website it does not offer options to report fraud. I closed my CashApp account to stop any additional fraud.

At this point I am frustrated and just looking for help to get ahold of CashApp so I can report the fraud and request a refund of my {$200.00}.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX - XX/XX/year> XXXXXX/XX/XXXX XXXX XX/XX/year>2024 XXXX OF XXXX - XXXX/XXXX/2024 XXXX XX/XX/XXXX - XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 2 loans listed on my credit report that are held by XXXX now. They refuse to remove even after submitting a dispute through XXXX XXXX to have them removed due to them being duplicates. I have attempted to call XXXX directly but there customer service number just disconnects.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal online complaint against XXXX, XXXX, and Equifax regarding inaccurate credit reporting. I previously submitted a written complaint on XXXX XXXX XXXX through mail but have yet to receive any response. 
I am distressed by the ongoing inaccuracies in reporting late payments on my credit reports by XXXX, XXXX, and Equifax. Despite my initial attempt to address this issue through a written letter, I have not received any acknowledgment or resolution. 
The discrepancies pertain to late payments on my XXXX XXXX account ( account number : XXXX ) for the months of XXXX, XXXX, and XXXX. I demand a thorough investigation into these inaccuracies and request the provision of verifiable proof regarding the alleged late payments. 
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I insist that XXXX, XXXX, and Equifax physically verify the original signed consumer contract for the mentioned account. The failure to positively verify these accounts has adversely affected my creditworthiness and has impeded my ability to obtain credit. 
I am now submitting this complaint through the Consumer Financial Protection Bureau 's online portal to seek a prompt and effective resolution to this matter. I demand that XXXX, XXXX, and Equifax verify or remove the inaccurate information immediately. Furthermore, I request the removal of non-account holding inquiries over 30 days old and the addition of a promotional suppression to my credit file. 
I expect a thorough investigation and corrective action from XXXX, XXXX, and Equifax. As stipulated by federal law, I request the completion of the investigation within XXXXhirty ( 30 ) days and the provision of a description of the procedure used to determine the accuracy and completeness of the information within fifteen ( 15 ) days of the completion of the investigation. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in facilitating a prompt resolution to these inaccuracies in credit reporting.
Product: Debt collection

I was contacted by a collection agency by phone for a debt I did not make and for which I know nothing about. I told them I do not owe any debt and never lived at the apartment in question. I explained that I have been living out of the state of Florida for most of the past XXXX years and that I just returned to Florida in XXXX, XXXX due to medical issues. In fact, I was living in Maryland from late XXXX, XXXX to XX/XX/XXXX. Several days later, I received a letter requesting payment for the same apartment. I am in recovery at present due to medical issues and this matter is distressing to me and causing detriment to my recovery. I informed the agency that my identity had been stolen.
Product: Checking or savings account

I was unfortunately extremely impacted by covid and had a loss of income. My account became negative XX/XX/XXXX and I was trying to find a solution and come up with money. I wasn't able to and on XX/XX/XXXX I called into Chase to see about getting an extension so my account wouldn't be closed. The representative I spoke with said " I would only be able to receive a 9 day extension ''. I told them that would work. Then explained my hardship and that I had applied for unemployment and was waiting for a decision on that. The representative said he understand and asked if there was anything else, I said is there any way to get additional days and he said he wouldn't be able to but could get a manager to see. I talked with the manager and he said the same thing. I said I understand and the 9 days would be fine. I checked my account the next day on XX/XX/XXXX and it had been closed. I called that day and spoke with a rude and abrasive representative that told me " Since I didn't guarantee a payment that I did not receive the extension ''. I told her " No one told me I had to guarantee a payment ''. I wasn't provided all the information I should have been provided to avoid my account being closed. I then sent an email to the executive office and CEO of Chase Bank on XX/XX/XXXX. I received a call from a representative who was nice and friendly and he stated that they would investigate. After he had reviewed the call he said that they determined that since I didn't guarantee a payment that there was nothing they could do and the account would remain closed. My issue is that they didn't inform me that I had to provide a guarantee for the extension. If I had been told that, then I would've given them a guarantee. I also filed for unemployment and did receive it on XX/XX/XXXX but since my account had been closed, they used the money received to pay off the account and then put the remaining in my savings account. I was in a major need of that money and now am in jeopardy of losing my car. I then had to setup a new account with the Texas Workforce Commission to receive a direct deposit but the new account isn't going to be approved by TWC until the XXXX. Causing my second payment request to be sent to me via check. I'm now without money for food, gas or any essentials. If they had only told me about the requirement of a guarantee or even after that have done the right thing and re-open the account, all of this could have been avoided. As a customer this wasn't my error or anything done on my part. Covid has impacted a lot of people and a lot of us are struggling and it's really messed up that Chase didn't do the right thing. I had the account for over 10 years and with everything going on right now I'm shocked they didn't try and make things right. I'm now been even more impacted by their representatives not providing all of the full information and misleading me. I hope that this doesn't happen to someone else and I hope CFPB will review all the necessary information and help Chase to avoid this type of error in the future. If there's anything else needed, please reach out to me directly. I appreciate your time.
Product: Credit reporting or other personal consumer reports

In violation of Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681
Product: Credit reporting or other personal consumer reports

Dispute Department : LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report. 
Account Information : Creditor Name : XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA.
Product: Debt collection

Diversified Consultants Inc. has been sending me harassing me w phone calls ( up to XXXX per day ) and letters ( XXXX or more per week ). They claim to be collecting money on a 4 year old XXXX account, but when I called XXXX they said the account closed and that I never owed a debt. I have disputed this with the XXXX credit reporting agencies and they removed the Diversified Consultants claim a month ago. But the company refuses to stop contacting me even though the debt does n't exist. I have requested proof of the debt and they have not provided it ( it does n't exist ) but they still keep contacting me. They refuse to talk to me unless I provide them with my SS # and address, I think this is a scam to steal my identity.