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

I am filing this complaint against Transunion due to its failure to comply with the Fair Credit Reporting Act ( FCRA ) in addressing fraudulent accounts on my credit report ( CFPB Complaint # XXXX ). Today, I spoke with a supervisor, XXXX ( XXXX # XXXX ), and was informed that my dispute was denied and that Transunion could not perform the block. My dispute concerns a fraudulent late payment on an auto loan account opened at XXXX XXXX on XX/XX/year>, under account number XXXX, with a late payment reported in XX/XX/year>. I provided Transunion with all required documentation, including a valid identity theft affidavit, proof of address, government-issued identification, and evidence linking me to a data breach. Despite fulfilling these requirements, Transunion failed to block the fraudulent accounts and late payment within the four-business-day timeframe mandated by FCRA 605B. Supervisors stated that a manual block would not be performed due to their " policy, '' which contradicts the FCRA 's legal obligations. Transunion 's lack of action and transparency violates both 605B and 611 of the FCRA, which require timely blocking of fraudulent information and a reasonable reinvestigation with disclosure of findings. I am resubmitting my documentation and request that the fraudulent accounts and associated late payment be blocked immediately. XXXX 's failure to comply undermines my rights to accurate credit reporting.
Product: Mortgage

I have been trying to to get rid of my mortgage insurance  from US Bank Home Mortgage. Th ey have been telling me multiple different reasons why I can not get it removed from my mortgage for over 6 months. I have done everything they have told me to do, including paying {$150.00} for an appraisal, paying an additional {$3600.00} principle payment in  XXXX   2017. Bu t It 's still on my Mortgage statement for  XXXX     2017 even af ter they assured me it would not be there. Why should I have to pay for their multiple misleading mistakes?
Product: Consumer Loan

I would like an investigation of CPS ' loan contracts and billing. Per the FTC 's listed violations, this company has settled a class action lawsuit against them in XX/XX/XXXX and I would like to know if I 'm eligible for a refund or account adjustment of some sort, as for I opened an auto loan with them in XX/XX/XXXX I never received any notice of a lawsuit, pending or complete from CPS during my time of having a current auto loan open with them. As time went on I experienced a financial hardship which resulted in non-payment of my loan. I eventually had the car voluntarily repo 'd. They explained during this process that the car would then be sold and the amount they sold the car for would then be applied to my balance. They never reached out to me about its sale neither call or mail. I called them numerous times in which they kept telling me the car had n't been sold. I finally called them again, about 3-4 months after having the car taken to get information about its sale. The car in fact had been sold, but I had n't received any bill of sale. To this day, they claim I 'm still responsible for the entire amount due, even after they have sold the vehicle. Also upon logging into their website ( in which I can still access ) I only have access to XXXX billing statements out of all the months of having a car loan with them, all in which do not detail the breakdown of fees or interest in any way specific. My main concern is to see if I 'm eligible for an account adjustment pertaining to my accusations of their unfair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, Equifax has violated my rights. 
15 U.S.C 1581 Section 602 A states I have the right to privacy.

15 U.S.C Section 604 A Section 2, It also states a customer reporting agency can not furnish an account without my written instructions. 

I have disputed with Equifax the following incorrect Personal Information ( addresses ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX ALTAMONTE XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX placed on my credit Report, and Equifax has verified as accurate. 

These addresses are not correct and are reflecting negatively on my credit report as they are not deliverable to me by the USPS. The only and correct address I reside in and deliverable to me by the XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX.
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds 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 repeated 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: Checking or savings account

Capital 1 bank had an offer " Deposit {$50000.00} or more to a new Capital 1 365 money market account and maintain at least {$50000.00} daily balance for 90 days to get {$500.00} bonus '' last summer. I opened an account online on XX/XX/19 and transferred {$50000.00} from my external bank to Capital 1 bank on XX/XX/19. I kept my daily balance above {$50000.00} until XX/XX/19. On XX/XX/19, I transferred some money out. I thought I already passed 90 day requirement. In XX/XX/XXXX., I contacted Capital 1 to check the bonus status. Surprisingly I was told that I was 1 day short of requirement. Based on their explanation, I have to deposit within 10 days of account opening. Then I have to maintain a daily balance of {$50000.00} or more for 90 days following the initial funding period, which is 10 days. So even I have kept my daily balance above {$50000.00} longer than 90 days, I am not qualified for {$500.00} bonus. I went back to read the fine print carefully for this promotion. It states that " Deposit {$50000.00} or more of new money from an external bank within the first 10 days of account opening. You will earn the {$500.00} bonus once youve maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period ''. It did not clearly and specifically pointed out that the initial funding period is TEN days, regardless when you funded account after opening it. I thought funding period referred to the time between opening account and funding account, as long as it is no more than 10 days. If I funded my new account on the 10th day of account opening and kept the daily minimum balance requirement for 90 days, I would have qualified for the bonus. In my case, I funded my new account on the 3rd day of account opening and kept the daily minimum balance requirement for 97 days, I am not qualified for bonus. The fine print words are very ambiguous and confusing. If it made it clear at the first place, I would have kept {$50000.00} for longer time. I hope Capital 1 Bank can reconsider my case and issue the bonus that I deserve. Thank you very much for your help!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX XXXX XXXX XXXX XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the XXXX  took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of XXXX XXXX I am writing to request that you block the following Incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This car had mechanical issues worth more than the car was worth. I advised the lender to come pick up the car in early XXXX. They are still reporting this loan as open and not showing it as a repo ( whether voluntary or not ) they are currently reporting different statuses depending on which bureau report you look at. One says im 120  days past due the other says 180 days past due. The last reporting isn't even correct as its from XX/XX/2020 and we are now in XXXX. I have tried to resolve this via the credit bureaus/ creditor to no avail. 

They are reporting current late payments which makes it look like I am STILL neglecting to pay on a open vehicle which is not the case. the payment history is also all over the placed. according to the FCRA all reporting should be accurate and up to date, which this account shows neither. 
It shows I have a current payment due and I do not. 

I am requesting that the company remove this account from my credit as the damage they are doing with conitinually reporting these super past due payments and that is highly damaging to my credit.
Product: Mortgage

Have been in a complicated process with Wells Fargo Home Mortgage. To make it short - they are foreclosing on my home - EVEN THOUGH IT '' S BEEN SOLD!!! No - not a short sale - SOLD OUTRIGHT!!! They have been provided all the required documentation including sales agreement from XXXX XXXX XXXX. This was given to them in XX/XX/XXXX. They have turned it over to their attorneys and have contacted the local sheriffs office. This is all to pile on as many fees as possible before the closing. The phone calls by me and the real estate company to Wells Fargo have been exhausting. Switch around constantly from person to person who could do nothing. Finally about a week and a half ago, I was in contact with a XXXX XXXX - who I believe is a " higher up '' and she guaranteed me that the foreclosure process was " on hold '' and that I was charged only {$1000.00} in fees ( only? ). She said that she would see to it that the local sheriffs office was contacted letting them know of the situation and that they need not be involved. We were just waiting for the buyers to get their V.A. loan which the real estate agent said would be very soon. Other than that - all parts of the process have been completed - inspection, appraisal, etc. The buyers are excited and ca n't wait to move in. BANG - about a half hour ago, the local sheriffs office came to serve me with eviction papers!!! ABSOLUTELY INCREDIBLE!! The emotional pain and suffering that I have gone through has been incredible and unbearable. I have no choice to meet with an attorney ( XXXX today ) and deal with this matter through that avenue. From what I understand, XXXX is considering the same. Anyone considering a mortgage from Wells Fargo should be advised against it. Even if they offered the lowest possible interest rate it the world - DO N'T DO IT!!
Product: Debt collection

Vervent/XXXX  has listed on my credit report, particularly XXXX, that I have an delinquent account with them. This incorrect. For starters, I have contacted them about this account which I never opened. I was advised that this account was opened with a credit card by the name of XXXX XXXX. That was not done by me and I don't know that person. Secondly, I asked them to delete the account by making a money order for the total amount on my report in hopes to remedy this. Vervent cashed that money order in XXXX of 2019. At this time, Vervent doesn't even own the account. It has been sold to another vendor, who has sent me a letter advising that they stopped all collection efforts. Vervent doesnt have any documentation on file to indicate that I opened this account or that I'm deliquent. This fradulent and I tried several times to remedy. This is my last attempt before I sue them. This entry is affecting me a great deal and it needs to be DELETED.
Product: Debt collection

Before Eastern Account System reported the debt to credit agencies, they never talked to me in person, neither did they send me a notice in mail. 

They have violated my right to dispute the debt. 

Amount : {$88.00} & {$28.00}
Product: Credit card or prepaid card

I have been having problems with this account for almost a year ... They are missing my payments in their computer system and abusing with interest fees. 

I requested a wire transfer to clean out the amount due XXXX or XXXX weeks ago. 

I have been working with my bank XXXX XXXXXXXX XXXX in obtaining my bank statements,. 
Which I have NOT received. 

Which would contain all transactions for the past XXXX months. 

I requested a transfer of XXXX to this account which is also missing. 

CAN SOMEONE HELP!
Product: Debt collection

I have never been contacted by this group. The only reason I knew of debt was when I applied for a mortgage in XXXX 2015, and it had impacted my interest rate. XXXX XXXX XXXX XXXX re : bill, and asked for an invoice/bill, which I did n't receive. Paid debt anyway in hopes it would n't continue to negatively impact my credit. It is still being reported by XXXX credit agency XXXX, and not XXXX. When revieing the record it is still noted as unpaid although there is a XXXX balance. I believe this should be removed due to the fact that I was never made aware by XXXX, nor CBE of the debt in any manner ; therefore I was never able to pay the bill in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed this alleged debt with XXXX XXXX XXXX XXXX debt collector ) regarding an alleged returned check of {$280.00} from XXXX and was not provided a copy of the alleged check, account numbers or the bank for which it was allegedly withdrawn upon. Attached is what was provided by XXXX XXXX XXXX. 

( XXXX letter with alleged Affidavit of Correctness and Assignment - XXXX XXXX XXXX XXXX XXXX ) This has lead me to dispute the validity of said debt with burden of proof also falling upon Experian, as they have listed this alleged debt on my credit report, which has negatively impacted my credit for quite sometime. I have disputed this account numerous times with Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), to this day, Experian has either not properly investigated the alleged debt or just flat out ignores my request with the information provided. 

Per the letter from XXXX XXXX XXXX on XX/XX/XXXX, and my XXXX report dated XX/XX/XXXX, I have no returned checks showing or outstanding, as XXXX XXXX XXXX has stated in the letter and Experian has continued to report. 

See attached Oregon Gambling Laws. 
XXXX  XXXX - Internet Gambling Specifically Also, a simple internet search indicates, that the Unlawful Internet Gambling Enforcement Act of 2006, no longer allowed online gambaling for monetary purposes in XXXX. So, how could I possibly owe on said debt with a check date of XX/XX/XXXX, per the letter from XXXX XXXX XXXX? 

Finally, you can also see on the internet, XXXX was shutdown in XXXX and fined by the government, due to the Unlawful Internet Gambaling Enforcement Act of 2006. So again, how could I possibly owe on an alleged gambaling debt ( from my research on them ) in XXXX of XXXX? 

See attached XXXX print out from under History. 

After providing these documents numerous times to Experian, they still to this day have failed to correctly investigate or just blatantly ignored my requests for removal of this erroneous debt. 

See attached Unlawful Internet Gambling Enforcement Act of 2006 - If I can get it attached or it can be viewed online. 

Thank you for your attention to this matter.
Product: Credit card

The problem relates to a Bank of America XXXX BOA XXXX Credit card credit limit decrease, I have been a customer for 19 years. The credit card had a credit limit of {$21000.00} on XXXX a payment of {$6500.00} was made against the account. The minimum payment due on the card at that time was {$230.00}. However by paying in the {$6500.00} the intent was to pay my property taxes with the card, taxes were due on XXXX for {$5500.00}. However on XXXX Bank of America elected to reduce my credit limit without informing me to {$16000.00} a reduction of {$5200.00} on the credit limit based on my most recent credit report. Finding myself in the very unfortunate position of being unemployed for the past few months, this is the first time I have been unemployed in 19 years. This unilateral action by Bank of America has caused a major problem with our home finances. Having very carefully budgeted the monies we have available, we would never have paid the money XXXX {$6500.00} XXXX into the credit card if we had known the bank was going to take it away by decreasing the credit limit without even having the courtesy of calling us. So when trying to use the credit card on Sunday XXXX for dinner the card was declined. Knowing I had just made a large payment into the credit card on XXXX I was very surprised and called BOA as soon as I got home. Only to be informed by customer service that the bank had reviewed my account and reduced the credit limit and I should call back on Monday morning when there was someone to talk to at the Bank. 
When I asked BOA customers service why I had not been informed about the change, I was told the Bank had sent a letter in the mail. Most of my communication and interface with Bank of America is via the on-line banking software, and there was no mention of this in the communication in the on-line section of the credit card. The formal letter of the credit limit decrease arrived on XXXX in the mail, still no mention in the on-line banking message area. As mentioned before I have been a BOA customer for 19 years and have many different products from BOA. Checking account, Savings, Mortgage, Home Equity and Credit Card. So frankly I was very surprised and felt disappointed and betrayed that a huge and powerful Bank like BOA can unilaterally make a decision like this that profoundly impacts a loyal customer that is struggling. Maybe they consider themselves to be above the law, frankly this type of underwriting behavior is predatory and self serving in the banking business, and should not be allowed. 

Please feel free to publish this bad banking experience at Bank of America, so people can understand that customer loyalty is not appreciated at Bank of America. All they want are the deposits and fees the people are less important. This is why the regulators should breakup the big banks, basically no customer service and no communication other than XXXX numbers with faceless people or letters in the mail.
Product: Debt collection

I RECEIVED MY REPORT XX/XX/XXXX AND I FOUND THAT MY NAME LISTED WRONG AS WELL AS ADDRESS AND SEVERAL ACCOUNTS THAT I KNOW NOTHING ABOUT. IN ADDITION TO THIS, A COMPANY CALLED XXXX XXXX XXXX WAS ON MY CREDIT BACK IN XXXX WITH A COLLECTION COMPANY CALLED XXXX XXXX I GOT THIS ACCOUNT REMOVED IN XXXX. BY XXXX, A NEW COLLECTION COMPANY BY THE NAME OF COMMONWEALTH FINANCE HAS BOUGHT THE ACCOUNT AND IS TRYING TO COLLECT ON AN ACCOUNT THAT NEVER WAS MINE. XXXX XXXX KEEPS SELLING THIS ACCOUNT TO SEVERAL COMPNAIES. THERE ARE SEVERAL COLLECTION ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME SUCH AS : XXXX XXXX, COMMONWEALTH FINANCE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquires : XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth Financial HAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If Commonwealth Financial has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Commonwealth has reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.
Product: Debt collection

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collect.
Product: Mortgage

I applied for a loan with Amerisave Mtg. on XX/XX/20 with a XXXX XXXX. I was told initial upfront fee to be paid {$500.00} and that it would be deducted from my closing costs. 
I paid the fee and applied for loan and submitted all my loan documentation to XXXX and was told should hear quickly as my income and property were good to go. After some time ( 5 weeks ) contacted XXXX who told me to contact a Processor by the name of XXXX XXXX XXXX XXXX told needed some additional information that I had already sent to her and XXXX. I sent again and was then told need additional documentation which was sent over to them same day.I am in the mortgage business so I know how crucial it is to get all paperwork in so can be reviewed and approved. FINALLY I was told to expect a Notary at my house on XX/XX/20 to sign our loan documents at XXXX. No one showed up or called us. I tried to get a hold of someone today by phone and email. NO response! .We feel we are being scammed due to being senior citizens and do not want to do our loan. They took out {$500.00} up front which I think is against current California laws. All we want to do is sign our loan documents and close our loan. PLEASE HELP. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting inaccurate and incomplete information on my credit report. The notation of the late payment on my XXXX XXXX account is inaccurate. By the provisions of the consumer protection laws, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. Also, I have attached a letter from XXXX XXXX to this dispute stating that this account was always paid on time and in good standing.
Product: Checking or savings account

On XX/XX/2021 Chime closed my account with no specific reason. I tried to login in to my account and it stayed that account was closed down. I emailed Chime support & they basically stated that they closed my account due to a violation. I have about {$12000.00} in my account, and Chime will not send out my funds. First, they stated 30 days but once I emailed them again on XX/XX/2021 they stated that Im not eligible for my refund. I just want my money and Chime is not being helpful at all!
Product: Bank account or service

I THINK YOUR BANK HERE IS DOING SOME FRADULENT TRANSACTIONS WITH MY ACCOUNT, FOR THE LAST TWO MONTH I HAVE HAD ALL OF MY XXXX SOCIALSECURITY CHECK TAKEN TO THE LAST PENNY.IM A WIDOW AND IM XXXX WITH XXXX, .THEY ARE LETTING XXXX RUN MY ACCOUNT SEVERAL TIME IN EACH MONTH SO THAT THEY WILL GET THE FEE PLUS XXXX WILL GET THEIR PYMT.IT ONLY ONCE A MONTH I PAY THEM AND I DIDNT AGREE FOR THEM TO TAKE IT OUT OF MY BANK ACCOUNT EACH MONTH.NOW THIS WILL BE 2 MONTH I HAVE HAD TO GO WITHOUT MEDICATION OR FOOD OR BILLS PAID.THEY ARE RIPPING PEOPLES OFF HERE THROUGH YOUR BANK AND IM NOT THE FIRST ONE .IM HAVING AN ATTRONEY SUE.I WANT MY ACCOUNT CLOSE WITH WELLS FARGO AND THEY SEEMS TO DONT WANT TO LET ME CLOSE OUT MY ACCOUNT.I HAVE OPEN AN ACCOUNT WITH ANOTHER BANK AND HAD IT CHANGE BY THE XXXX PEOPLES AND IT WERE NOT CHANGE THROUGH WELLS FARGO.THE GOVERMENT IS IN THIS WITH ME SO ARE FOLLOWERS OF THE SAME THINGS HAPPEN TO THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX $ and XXXX XXXX XXXX XXXX XXXX XXXX $ Are paid in full. Get them off of my credit report! 

NONE OF THEM ARE JOINT ACCOUNTS!