23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

-- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- NOT DUPLICATE -- -- NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -NOT DUPLICATE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Bank OF America has committed SECURITIES and has DISCRIMINATED against a consumer by obtaining CREDITS via a FINANCE CHARGE and APPLICATION ( ASSETS/SECURITIES ) and has given me no benefit. Bank America has unlawfully denied me my federal Right to CREDIT by shutting down my consumer credit accounts and FALSELY ADVERSELY REPORTING A ALLEGED DEBT giving the impression I am in lawful debt to Bank Of America. Bank Of America has collected MONEY on a consumer debt that arose out of a FINANCE CHARGE where satisfaction for the obligation was completed upon APPLICATION via my Social aka CREDIT CARD. Bank Of America then decides with no warning to ADVERSELY SHUT DOWN my own credit and accounts and CHARGE OFF THAT ALREADY PAID DEBT as a BUSINESS LOSS. Even tho that consumer debt has already been satisfied by the Finance Charge Bank Of America has DEBT PARKED it on my consumer REPUTATION causing me massive severe harm financially and personally in order to COERCE MORE ( RE ) -PAYMENT on a debt that was already satisfied. Notice it is fact this adverse voluntary reporting of an alleged debt goes against the very definition of charged off debt by the IRS which states charged off debt shall be reported as INCOME. Bank Of America there for is inaccurately reporting income on my consumer report as a debt and is now under the Juresdiction of the F.C.R.A Tittle 15 for false and inaccurate reporting. Notice it is a fact Bank Of America has charged of debt as a business loss but has not properly sent to me a copy of a IRS 1099C form for filings. Notice it is fact Bank Of America has charged off an alleged indebtedness as business loss but has not returned to me in the full amount of that indebtedness now in violation under Federal law 26 USC 6050P.
Product: Credit card or prepaid card

I have had an account with XXXX through Barclays bank. I closed the account in XXXX. It is now almost XXXX. They have continued activity on the closed account -- including BOTH giving me a refund for extra money in the account after it was paid off AND then adding new charges and trying to charge me late fees. I can not get these people to just close the account, even though I paid the balance down to XXXX.
Product: Mortgage

XX/XX/XXXX -- Home Purchase Closing and Funded with FHA Loan, TSAHC Down Payment Assistance/MCC. Lender : Service First Mortgage. 
XX/XX/XXXX -- Lender call and email stating there was an issue with selling my loan to an Investor due to changing the HUD/FHA - approved calculation used at closing to a different calculation, per the Investor 's request -- causing ineligibility for FHA Loan and Down Payment Assistance. 
XX/XX/XXXX -- Received written notice of New Loan Servicer, XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX -- FHA Loan was closed and I assume Conventional Loan added at that point, which I was not aware of until HUD/FHA verified on XX/XX/XXXX that FHA Loan closed in XX/XX/XXXX. 
XX/XX/XXXX -- Submitted online written request for Covid-related Forbearance per website instructions. No response received. 
XX/XX/XXXX -- Submitted online written request for 3 items, including requesting a status update of my Forbearance request submitted previously on XX/XX/XXXX. No response received. 
XX/XX/XXXX -- received an email from Service First Mortgage requesting a phone call for review of my mortgage to see if I am in the best situation with my mortgage, possibly refinance or lower interest/payments. I formally requested AGAIN for Covid-related Forbearance. 
XX/XX/XXXX -- Received Loss Mitigation packet to complete, which contained a full application and requested full income documentation the same as provided for purchasing or refinancing. Contacted HUD for assistance with Covid-related Forbearance and clarification of documentation that have to be provided to qualify for this type of forbearance. I learned at this point that my FHA Loan was cancelled and referred to CFPB for further assistance. 
XX/XX/XXXX -- received email response back from Service First Mortgage stating they can not answer my questions regarding Covid-related Forbearance and suggested I contact customer care solutions ( XXXX ), the very same people who have not responded to my previous request for Covid-related Forbearance to date. 

I am attaching a more in-depth detail of events and other documentation for review in hopes that you can help me.
Product: Debt collection

At this XXXX XXXX XXXX retail store where this account was created not XXXX single employee held the particular salesman accountable. I called within XXXX days ( trial period ) to either inquire about why my bill was no where near the XXXX $ I was told the total would be with the plan and XXXX device payments or I would cancel. I was informed by customer service rep that since I purchased in store I had to call the exact store to return. Store refused to let me return stating they only will take the devices within a XXXX day period ( not true according to website and rep on phone ) and even tho we were brand new customers it didnt matter to them for any kind of trial on the service period. It was even within XXXX  days that I tried to cancel. I still stopped service within that XXXX days but direct location store wouldnt take devices due to their own reasoning that made no sense.
Product: Payday loan, title loan, personal loan, or advance loan

SUBJECT : COMPLAINT AGAINST ZIP FOR FAILURE TO ACCOMMODATE MULTIPLE HARDSHIP REQUESTS To Whom It May Concern, I am writing to formally file a complaint against Zip Co for their failure to address or accommodate my multiple requests for financial hardship assistance related to the nationally declared major disaster, Texas Storms ( XXXX ). 

As a victim of this disaster, I have experienced significant disruptions, including prolonged power outages, damage to personal and work-related items, and substantial loss of income. Despite reaching out to Zip Co multiple times for assistance with my delinquent Zip Order # XXXX, I have received only generic, scripted responses that do not address the specifics of my situation or offer any meaningful help. 

It is unacceptable that Zip Co has not provided any special circumstance assistance or support during this time of crisis. Their lack of accommodation and failure to respond appropriately to my hardship requests have exacerbated my financial difficulties. Despite explaining my situation and the impact of the storm on my life and work, Zip Co continued to respond with generic text and offered no special assistance. 

I am requesting your intervention to ensure that Zip Co provides the necessary financial hardship assistance for those affected by this major disaster. Their conduct violates consumer protection standards, and I hope appropriate actions will be taken to address this matter. 

Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE INQUIRIES XXXXXXXX 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, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, Company Inquiries : Company Inquiries 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes particularly in the light of the recent 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 lost funds was impossible and that tracking these transactions was unfeasible the CFPBs findings neglected to protect 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 concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX  XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

This complaint is specifically based on Capital One Auto Finance department 's incompetence and shear disregard for helping a mother of soon-to-be 3 obtain the vehicle 's paper title. My husband and I purchased a vehicle this past year in the state of XXXX We relocated to XXXX for work in order to be near family. We have XXXX XXXX children with our XXXX  child arriving this XXXX, XXXX willing. To register the vehicle in XXXX a paper title must be obtained. Capital One Auto was notified of this prior to this past XXXX ( XX/XX/2021 ), for which they then sent their formal request to the XXXX DMV a week later I'm told. We are still awaiting the paper title and thus have remained unable to drive the vehicle that remains being financed through Capital One and paying insurance on. There have been now over half of dozen phone calls into Capital One, sadly unable to reach a representative who provides help in any positive manner. These actions, rather lack thereof, are despicable. As we've researched and now have seen numerous other complaints from customers filed against Capital One for this exact reason, we are being forced to hire legal counsel for any hope of resolution sooner than later.
Product: Checking or savings account

Wells Fargo never paid me for the settlement. I had an account under XXXX XXXX buy my name is now XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled debt with first progress and account obligation was met. Ive attached proof of This agreement made with first progress. However, equifax only updated dollar amount. Which, makes me feel as there was no initiate taken by agency to look at the documents I originally submitted regarding how this account reflects
Product: Credit reporting, credit repair services, or other personal consumer reports

As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, Please remove this account permanently from my file.
Product: Checking or savings account

Wells Fargo is not issuing XXXX transfers on the spot until 24 hours later and is fraudulently charging overdraft fees for not crediting transfers in a timely manner.

If they have made deductions from my account for recurring payments and Wells Fargo has notified me that I have 48 hours or two business days to settle the debts on my account by making payments on time. Wells Fargo is reflecting XXXX transfers up to 24 hours after transfers have been issued to Wells Fargo. I have evidence of the same thing, recordings of calls, complaints to the bank ignoring what happened and charging overdrafts fraudulently to my account on repeated occasions.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under
15 U.S. Code 1681n. The law permits a {$XXXX} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In complaint XXXX XXXX XXXX XXXX failed to properly represent my flawed transaction with XXXX XXXX. The merchant misrepresented the equipment being ordered. There was no visual confirmation of the model in question. The equipment ordered by the inexperienced clerk was wrong. The signed receipt of order does not include a description of the item. When it arrived at the store the service manager told us it was the wrong unit. I do not pay for merchant error. I went out of my way and arranged for the equipment to be returned but the merchant was uncooperative. I will not pay for this type of customer service and told the bank at the time not to pay the merchant. XXXX XXXX gave the money away against my objection. I hold XXXX 's responsible for poor judgement. Note in their letter of reply they fail to report these details. This case is also under litigation.
Product: Checking or savings account

account was closed by bank. I did not know till after XXXX of XXXX. My employer sent direct deposit and it was not returned to employers account. Deposit never credited to my bank account. Chime bank still has my money. Two deposits, one for {$66.00} and the other for {$69.00}. 

Chime bank gave me a new account and new card but never refunded me for lost wages from closing my previous account. It took almost a year to get the new card. New account has XXXX balance.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for failing to update my personal information in their records as I have repeatedly requested.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the recent Equifax data breach and identity theft. The following account and hard inquiries dont belong to me : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, Furthermore, I have not been 30-59 days late with my car payment to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To who this may concern, My name is XXXX XXXX. I am writing this letter in regards to my username and password, credit freeze pain & suffering going on 3 years action has not been taken. I have been locked out of my account for some time now and unable to access my credit profile. This has presented challenges in all areas of my life. My business has crashed, credit scores has crashed, lost existing credit cards, Lenders are unable to access my credit. I can't get banks accounts or rent a home. Below i will provide you the correct information and in return I will need my username and password reset you have 10 days from the time this letter is received to provide this update or further action will be taken. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our report since we first found out 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. XXXX  XXXX {$6300.00} XXXX  XXXX XXXX {$400.00} XXXX  XXXX XXXX {$1200.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX {$460.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX XXXX {$10000.00} XXXX XXXXXXXX XXXX {$990.00} XXXX XXXXXXXX {$4800.00} XXXX   XXXX XXXX {$400.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX   XXXX {$390.00} XXXX XXXX {$390.00} XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX  XXXX {$710.00} XXXX XXXX {$400.00} XXXX XXXX XXXXXXXX {$31000.00} XXXX  XXXX XXXX {$2200.00} XXXX XXXX {$320.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$15000.00} XXXX  XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$830.00}
Product: Debt collection

Upgrade inc sold my personal private information to XXXX XXXX XXXX  without notification or my consent now XXXX XXXX XXXX be harassing me via email trying to collect a debt I didn't contract with them for
Product: Credit reporting

The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my XXXX and Equifax reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX 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 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 XXXXXXXX
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. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.