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

I HAVE BEEN VICTIM OF IDENTITY THEFT FOR OVER A DECADE NOW. I CHECKED MY CREDIT REPORT, AND I NOTICED THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES ON MY CREDIT REPORT CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY PURSE WHICH HAD MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST AT MY XXXX  CELEBRATION AT MY HOME AND NEVER RECOVERED . THESE TRANSACTIONS ARE THE RESULT OF IDENTITY
THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT.

FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Initiated wire transfer for {$16000.00} from Coinbase to XXXX XXXX on XX/XX/XXXX. Due to incorrect routing number, funds were never sent to XXXX. However, Coinbase showed wire status as " Complete '' and funds were subtracted from my account. 

Initiated support request with Coinbase on XX/XX/XXXX requesting XXXX number for wire transfer so I could confirm with Coinbase 's bank  ( XXXX XXXX XXXX XXXX XXXX ) that they were indeed in possession of the funds, and get confirmation that the wire had not gone through. Coinbase support Case ID XXXX Coinbase replies on XX/XX/XXXX indicating that they are " working with a specialist to address [ the issue ] properly. '' As of XX/XX/XXXX, no further contact from Coinbase on the status of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights 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 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Product: Student loan

I have been on the SAVE student loan repayment program with Edfinancial Services since XX/XX/XXXX. I was placed in an administrative forbearance on XX/XX/XXXX due to issues with the SAVE program, but received official documentation stating that my loan interest rates will be set to XXXX XXXX  during this time and interest will not accrue ( image attached of letter ). Since then, my loans have continued to accrue interest at their regular rates and my account interest rate is STILL not set to XXXX XXXX  ( image attached of my 4 loans with unchanged interest rates ). I have contacted Edfinancial over 20 times now to fix this issue through both email and phone and they constantly respond with a different answer that is not addressing my issue at hand. It has been frustrating and feels absolutely illegal for them to not be honoring their letter and claim that the administrative forbearance should not accrue interest during this time, yet still allowing my account to accrue interest.
Product: Vehicle loan or lease

Starting XX/XX/XXXX I called consumer Portfolio Services , Inc. at XXXX. I had spoken to several customer service reps for this company. I had explained way before my car payment was due XX/XX/XXXX to them that my check was short and would like to have my payment for XXXX deferred due to this. Each Customer service rep told me that i need to wait for an email to let me know if the supervisor will ok my deferment. All I got was the run-around. and when I called them early enough I was told that I had to wait until my payment is past due then call back which makes no sense. 
I paid for XXXX  and today on XX/XX/2020 I received a text from this company sending me a reminder that my payment is due for XXXX. I paid for XXXX and I need them to defer my payment for XXXX. 
This company is not working with me I have made numerous calls to this company and I get no help at all. Why do I have to wait for them to send me an email regarding geting my payment for XXXX deferred?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to ongoing issues with a foreclosure case that is still open in XXXX XXXX, MD, Bank of America and their agents sold my home from underneath me, without a final ratification. I am trying to buy a home and it has been reported that there was a foreclosure in XXXX, but that is false information. Bank of America filed foreclosure paperwork against me in XXXX when I was only 2 months behind. They then bought the property back at auction sale on XX/XX/XXXX. Not XXXX. In XX/XX/XXXX, my home was sold to a realtor by the name of XXXX XXXX XXXX XXXX, of XXXX XXXX, XXXX XXXX, XXXX, who only wants the home to sell for investment purposes only. Bank of America has committed fraud and the Circuit Court did not have a final ratification on the actual XXXX sale to this day. This in turn is hurting my chances with getting new lending opportunities to get a new home because lenders require a 2 year removal of the foreclosure. 
The XXXX of Maryland Land records apparently is reporting that there was a foreclosure thanks to Bank of America 's agents, and that is not the correct title information. I am wrongfully foreclosed on my former property, and I am still in court trying to rectify the case with actual facts. However, there is no way to speak with Bank of America over the phone or get a clear response through the mail, because they tell me to speak with their law firm, XXXX XXXX XXXX and XXXX XXXX XXXX. They are the law firm who are the agents that wrongfully stole the home through false reporting to the XXXX of Maryland government that they had the rights to the home, and filed a Deed transfer ... without a final ratification per Maryland Law. Bank of America also wrote off the entire amount of my home to me for my XXXX taxes by claiming that I abandoned the property through a 1099-A, but that is not true neither. I am seeking help in correcting the title reporting of a supposed foreclosure, when it is still open and ongoing in the courts, and the reversal of the sale of the home. This is causing a hardship upon me at this time as a XXXX XXXX. Please note the other complaints since XXXX over this same former lender who bought my home loan, and the excuses given to CFPB over this same problem. I am hoping that action actually occurs because Bank of America will always continue to say to this government agency that they have done nothing wrong, and that the " foreclosure, '' was just. The home was never foreclosed upon officially in the Courts because it is still ongoing, not XXXX. Thank you. 
XXXX XXXX, XXXX
Product: Credit card or prepaid card

Hello there, I have been a capital one card holder for over 13 years and never had this issue but I was late on my card that I forgot I even charged and wasnt allowed to have courtesy late fee waiver?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a letter stating they verified the public record they have on my file through XXXX. I sent Equifax a letter three weeks ago, sent to me by XXXX stating the public record is not on my file with XXXX. I continue to ask Equifax to send me the info of where they are getting this public record from. Even after I sent the letter from XXXX stating there is no public record of a file ( XXXX ), they still refuse to delete it from my credit file. It's a violation of my rights to fair credit reporting.
Product: Checking or savings account

BANK OF AMERICA I received a mailed promotion about a {$300.00} signup checking bonus if I opened a new bank of america checking account by XX/XX/2020, used my unique offer code, and setup direct deposit of {$4000.00} or more within 90 days. 

I opened the account via the online website bankofamerica.com/300Reward on XX/XX/2020. My application was approved. I received a confirmation email and number. I funded the account with a {$1500.00} ACH transfer from my other XXXX XXXX bank account. I also setup online access and mobile access. I got an account number and could see the routing number, so I setup  direct deposit with my company. 

3 days later, on XX/XX/2020, I tried to access the account via the online website. I was told that the account was locked. I tried to access the account via the mobile app, I was told I needed to call customer service. I called customer service, and was told that they could not find my account and that I would need to go into a Bank of America branch with 2 forms of ID to get any issues resolved. 

On XX/XX/2020, I went into Bank of America branch with my valid drivers license and passport. I was told that the account had been closed, but that they could not tell me why. I showed them that the {$1500.00} had been withdrawn from the XXXX XXXX account to fund the new bank of America account and that the transaction had already posted. They could not tell me where my money was. All they said is that the account was closed because some information could not be verified, and that " if my money '' was in transit that it would eventually be returned via a cashier 's check, but that the timeframe was unknown. 

I was at a loss for words. I had not received any mail, electronic or paper, no notices, no messages, nothing. Bank of America just closed my account, locked out access, and took my money without a word. 

I have the statements, the screenshots, the transaction ID, the application confirmation number, everything I need for them to resolve this or at least tell me why the account was closed. I could have verified whatever was wrong. I have an excellent credit score, a fantastic job, and many other bank accounts. The whole experience was incredibly akward. 

Right now I just want my money back. Somehow it was withdrawn by " BANK OF AMERICA '' to an account that " no longer exists ''. 

I also can no longer use the signup promotion code I was given, as when I try to make a new bank of america account it says that the promotion is already been used. So there goes my {$300.00} signup bonus for all of the work, and in the meantime I'm out {$1500.00} until this can all get sorted out. The bank of america in-branch representative, the call center, and the person they called while I was there all couldn't help or give me a straight answer about anything.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Account XXXX - XXXX. I recently reviewed my credit report and noticed that It was not reporting accurately, I had two late payments on an account that was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I '' ve attached a copy of my to this complaint on the following months XXXX XXXX XXXX XXXX  XXXX, XXXX all has been paid on time. I '' m now requesting you Investigate this account and update these payments to PAID ON TIME IMMEDIATELY
Product: Debt collection

I sent Synchrony Bank ( PayPal ) a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my alleged debt of " {$4600.00}. Nor did I receive notice of right to dispute from Synchrony Bank ( PayPal ). 

I sent Synchrony Bank ( PayPal ) a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Synchrony Bank ( PayPal ) confirming my Cease and Desist Letter. Since then, Synchrony Bank ( PayPal ) has harassed me through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the comments of each communication uses the words an attempt to collect debt that is a violation of USC Code 1692b ( 5 ) and USC 1692e ( 11 ). In addition, I was sent a letter via post card by Synchrony Bank ( PayPal ) with the words an attempt to collect debt, after the cease and desist letter was sent. This is a violation of USC Code 1692b ( 4 ) and USC Code 1692f ( 7 ). Synchrony Bank ( PayPal ) has communicated to me by post card after the cease and desist letter, that is a violation of 15 USC 1692b. These excessive and harassing communications after I sent a cease and desist letter on XX/XX/XXXX is a violation of USC Code 1692e.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handling disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect it's consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer banking safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report today XX/XX/2020 and noticed that ONE 30 day late payment was erroneously on my credit report from XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX, my XXXX credit report showed a derogatory mark, that a report had been filed with a collection agency. The collection agency : Bull City Financial Solutions, supposedly opened a collections matter for approx {$270.00} on XX/XX/XXXX. XX/XX/XXXX is the first time I learned that such a matter had been opened. I contacted the collections agency, and learned that an account with XXXX XXXX that closed in XX/XX/XXXX was referred to collections. This is the first I learned that such an account existed. The collections agency could only give me the creditor name and account number ; however, could not give me a name or address associated with the account. When I attempted to search for the account online in the XXXX XXXX account portal, there was no account listed. I contacted XXXX XXXX 's customer service team, and they were unable to find any record of an account with the account # provided by the collections agency in their system. I spent several hours on the phone with XXXX XXXX customer service representatives, and none were able to locate any documentation associated with the account ending in # XXXX. Despite it being more than 30 days since the collections matter was opened, I have not received a validation notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act, XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX FCU XX/XX/2022, XXXX XXXX XXXX XXXX, 2022 has 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 20 inquiries on my credit report that I have nothing to do with. This happens every month from all three bureaus. This stay on a persons report for years, and Im not applying for anything.
Product: Debt collection

I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus TransUnion, XX/XX/XXXX and XX/XX/XXXX to remove these accounts but they have to respond.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal. Yours Truly XXXX, XXXX ( All Rights Reserved )
Product: Mortgage

I purchased my home in XXXX XXXX and XXXX went into my escrow to pay property taxes for XXXX. {$3100.00} was paid out which threw my escrow into a negative of XXXX which I am being held accountable for. The correct amount of property taxes was not factored into my loan accordingly. The house was vacant for several years upon my purchase in XXXX. There was also a late fee charge accessed since taxes were not paid on time from XXXX. Exemptions were not filed for XXXX by previous owner. This raised my mortgage from {$690.00} month to {$1100.00} month. I am being held accountable for taxes from 2 years prior to me purchasing the home. I relied on and paid Hallmark Home Mortgage to correctly figure the right amount of property taxes into my loan. They do specialize in HUD homes and should have known to look and see if exemptions had been filed considering this had been a vacant home for quite some time. The error was on Hallmark Home Mortgage and feel they should be held accountable for the refund back into my escrow account. It was negligence on their part to not factor in property taxes as they should have. According to the XXXX XXXX XXXX, XXXX and Hallmark Home Mortgage, there definitely was an error made, but Hallmark Home Mortgage was not willing to correct their error when I went to personally speak to them in XXXX XXXX.