23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>, I deposited a check for {$43.00}, XXXX. I was told that {$43.00}, XXXX, would be delayed for availability until XX/XX/year>, but will be available the next business day ( XX/XX/year> ). I received an email on, XX/XX/year>, stating that my account was restricted. I called customer service and was told they can't help me so I was transferred to fraud department and was advised to go to the branch and speak with branch manager to have an e-ticket open to unrestrict my account. XX/XX/year>, I spoke to branch manager and he said he can't do anything in branch, my account was restricted, and check is on hold. Once the check comes back good then the account will be off restriction tomorrow and proceed to open an e-ticket. The next day the account was still restricted which made me contact customer service. Once again I was told to go to the branch. I called the branch everyday trying to get in contact with branch manager. On XX/XX/year>, I spoke with branch manager and was told that I needed to provide a letter from issuer stating that I was the intended recipient of the check. On XX/XX/year>, I provided letter and copy of check image showing that funds cleared from issuer institution. The branch manager said that he will submit to back office and they will contact me. I didn't hear from anyone via call or email so I called branch a few times and wasn't able to get any updates. I wasn't able to reach branch manager by phone which made me proceed to branch XX/XX/year>. Branch manger told me he see that the check was deposited but doesn't see if it cleared or returned. He said that he will reach out to the other institution and update me Thursday or Friday. I didn't hear back from him but was able to finally get him on the phone XX/XX/year> and was told he will called me back at XXXX XXXX  that day. Didn't speak with him until XX/XX/year> and was told that the issuer of the check wasn't in good standing so the back office didn't accept the documents and that he will personally contact the other institution and verify the check. I never got a follow and wasn't able to get in contact with branch manager which lead me to filing this complaint to get this issue resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Negligence to refund escrow funds two months after closing transaction of the sale of the property. 
I am a real estate broker licensed in California and because I understand this process, I am demanding the refund of my escrow funds. I wonder what happens with borrowers that are not aware of this process. 
As today, XX/XX/2020 we haven't received refund and we only received unreasonable excuses by email and phone calls. 
On XX/XX/2020 the sale transaction was closed and there was an escrow balance of {$2000.00} refundable to us after paying taxes and insurance. 
Initially, after waiting for Freedom Mortgage to process the refund, we called Freedom for an update and we were told that the check was mailed to the address in file. The address in file it was the address of the house that we sold. I wrote an email giving Freedom the new physical address. Freedom reply XXXX that the check was mailed to the new address, BUT Freedom didn't include Apartment number and we never received the check. 
On XXXX Freedom notified me that have initiated the process of cancelling the check and 10 days after the old check would be voided, Freedom will issue a new check. Freedom wrote : " If the funds were not cashed, we will void the check, place the funds back into escrow, and then reissue the check in the amount of {$1800.00} ''. If " funds '' never were cashed, what funds would be back to escrow? 
On XXXX Freedom wrote : " We forwarded the request to void and reissue the check on XX/XX/2020 as well to the appropriate department. The target completion date for the escrow department to review the request is XX/XX/2020 ''. 
On XXXX Freedom wrote : " Our records indicate, that the initial escrow refund check has been voided and new check will be reissued within 10 business days ''. 
My wife has been calling Mortgage on XXXX, XXXX and XXXX and get different excuses. As today, XXXX, Freedom told my wife again that the check will take 10 business days to be processed and we should receive it at the end of this week!!! 
We are lost and we really don't believe all of Freedom excuses.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The company stole most of my money. Over the phone the balance was confirmed to be around {$4900.00} but they sent me a check for a little over {$2200.00}... The bank has provided no reason for seizing over half of my funds or gave me anyway to reclaim them or any further information. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEED HELP REMOVONG SOME INCORRECT INFORMATION FROM MY REPORTS. I HAVE YET TO RECEIVED ANY RESPONSE FROM ANY BUREUAS I HAVE 3 TRACKING NUMBERS FROM THE MAIL I SENT THEM. THESE TRACKING NUMBER ARE FROM THE SECOND ATTEMPT IVE TRIED MAKING. 

XXXX  : XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020, I personally mailed a letter in regard to inaccurate and unknown information on my credit report directly related to the XXXX  data breach. It's been almost 60 days and I've yet to receive a response. I feel taken advantage of and dismissed by this lack of respect and consideration. Section 611 ( a ) clearly states that failure to investigate these items within 30 days is grounds for immediate removal. I demand a swift and prompt removal of all accounts disputed or I'll be forced to file litigation against all parties. Thank you kindly in advance.
Product: Credit card

Citibank refuses to put the correct XXXX number on my bill every month. This month after spending a half a day trying to pay my payment, I found out that XXXX XXXX did not credit my payment of {$32.00} and now I have received a past due bill when I made the payment over the phone with XXXX. Citibank needs to be fined the maximum allowable by XXXX law for their lack of customer service and their refusal to spend the money to properly credit bills and install an automated system so payments are credited when paid and I do n't have to waste more time than it worth every month.
Product: Debt collection

This debt Is the result of identity theft. This case has been dismissed in XXXX County Court on XX/XX/18. I have advised this third party collection agency to cease communication on 2 separate occasions. I continue to get phone calls and emails requesting me to pay a debt that is not owed. I tried to contact this company again today after receiving another email. I was hung up on and aggressively spoke to by several different representatives. When I asked repeatedly to speak to a supervisor, I was hung up on. I am seeking legal representation for the abusive practices and collecting on a debt not owed.
Product: Checking or savings account

I have a problem with Wells Fargo I issued a complaint last month but apparently, I had the wrong date. It was actually XXXX XX/XX/2012. I had just returned home from the hospital after an illness on XXXX XXXX,2012. The morning of XX/XX/XXXX I went online to check the status of my checking account & noticed that my checking account was empty. The bank had allowed XXXX to withdraw approximately {$1000.00} which was part of my social security. I was also charged {$100.00} for this service. Wells Fargo notified me that XXXX tried to withdraw an additional {$400.00} but they refused to do that. I want to know why they gave my money to XXXX on one occasion but not the other time. I was under the impression that only the IRS could take my money. I wasn`t aware of cfpb until my son told me last month. I appreciate your help in solving this problem. Thanking you in advance. Sincerely, XXXX XXXX
Product: Debt collection

Doctors office sent blood work to the wrong lab after I told them several times that my insurance had changed. Its the Doctor 's mistake not mine. 

Collection account. {$680.00} past due as of XX/XX/2020. 
Status Updated XX/XX/2020 RADIUS GLOBAL SOLUTIONS LLCXXXX Account Number
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to retrieve my annual credit report on-line from Equifax ( via XXXX ) on XX/XX/2020 at XXXX EST. Equifax stated they are unable to provide on-line delivery of my credit report and that I am required to submit the request via postal mail ( see attached ). 

With all due respect to Equifax, the other credit reporting agencies ( XXXX XXXX XXXX ) were able to provide my credit report on-line. Please advise. 

Would appreciate your assistance with this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX  number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Bank account or service

Citizen Bank has been taking out monthly fees for over three years from my bank account and never once informed me of these transactions. I never once received a phone call, email or letter, telling me this was going on. To my knowledge every bank I deal with even if I do not get monthly statements, will write to let me know what is going on with my account. This bank failed to do, instead just go into my account and help themselves to a monthly fee and now refused to give back my money. Do you know of anyone who has a bank account and allow them to do as they like with your account, without your knowledge and then turn around and blame the customer. Also you believe the bank is a safe place and you want interest not someone to go behind your back and steal your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting Equifax over the and by mail due that I cant get my credit score, in addition of my credit file. I want to see my credit report and credit score on my credit monitoring. They havent done anything regarding my file and i been dealing with this issue since XX/XX/2017. Im extremely disappointed in the matter how they been treating me for the last few years. I made a few complaints with the CFPB. Equifax is violating the law and differ made in my character
Product: Credit card

I received a notice from my credit reporting monitor service on XX/XX/year> that a " hard pull '' was pulled on my credit report from Barclay 's Bank. About XXXX minutes later, my wife got an email ( addressed to me by name but e-mailed to her email address ) stating that an application was processing for a JetBlue card. 

Neither of us applied for this card. I called the fraud dept. at Barclay 's and they found the application number with my social, and it had our home address as the mail to address for the card, as well as my full legal name and phone number. So this was a legitimate application made with my information, but was NOT made by either myself or my wife. I do not know how my social security number was obtained, but it was certainly used as there is a " hard pull '' on my credit at XXXX. It appears that either XXXX got hacked or they suffered an internal malfunction triggering credit card applications.
Product: Debt collection

I received a matured notice by XX/XX/XXXX want XXXX try talking to company tried to get a extension but told no want there money I dont have that kind of money in such a short time
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We applied for a home refinance in XX/XX/2020 with XXXX XXXX at XXXX and paid for an appraisal. We were unable to continue our refinance due to the pandemic as my partner was put on leave. I spoke with XXXX XXXX at XXXX to let her know that my partner would be returning to work in XXXX and I expressed my concern about the monies we paid towards our appraisal and if we could use the appraisal and we didn't want to miss out on our rate. 

XXXX let me know over the phone that she should be able to extend the rate lock and use the appraisal. 

When my husband returned to work, I reached out to her via email and she advised that I needed to submit a new application. When i reached out regarding the appraisal we paid for and if we could use it, she did not respond to my email. I tried to call her and she did not answer and I left her voice messages. 

I finally called the customer service line for XXXX and the gentleman I spoke with could not assist and told me that our appraisal is to about to expire in XXXX and we can not move forward with the appraisal since the rate lock since XXXX never filed an extension as she promised and if we put in a new application, we would have to pay for another appraisal. 

The gentleman, I think his name was XXXX or XXXX, mentioned he would reach out to XXXX but I never got a call back or any follow up from either of them.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES IN SEVERAL WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VERIFIED. XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. HOW CAN THE SAME CREDITOR HAVE DIFFERENT INFORMATION AMONG 3 DIFFERENT CONSUMER AGENCIES? THEY CAN NOT, AND THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) I HAVE COPIES OF THE INACCURACIES, AND IF THEY ARE NOT DELETED I WILL PROMOTLY START THE LITIGATION PROCESS THROUGH THE CFPB PORTAL AND A CONSUMER ATTORNEY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE AN AUTO LOAN WITH ( XXXX XXXX  ) SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER BEEN LATE ON ANY PAYMENT SINCE HAVING THE LOAN. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries reported on my credit report. These are not my inquires listed below. I did include a clear picture of my ftc report. Some companies pulled my credit more than once. These companies listed below are the ones I didnt authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im writing to express my concerns over the Zelle handling of disputes particularly dealing with the CFPB lawsuit highlighting significant issues using the platform.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. I am residing at XXXX XXXX XXXX XXXX XXXX NJ XXXX. I went one day to pep boys for car service where I was told to open up pep boys credit card and get discount on services. Now the pep boys credit card is run by synchrony bank XXXX XXXX XXXX, XXXX, FL XXXX. This bank is such a fraud and wrong doing they have charged me ridcouoous amount of late fees. I called them today that is XX/XX/XXXX and they told me late fees have rounded total for XXXX XXXX Now I have been Keeping up all my accounts till now except synchrony because no matter how many times I tried I was not able to log in online on their mobile app or website. Every time I called their customer care they had ridiculous long wait times and then getting transfer to technical person through which even my account was not getting setup. They closed my account without my knowledge. Which I got to know today on XX/XX/XXXX. I am told today that my account was closed on XX/XX/XXXX. Since starting of XX/XX/XXXX they have fined me late fees as due to lack of online account I was not able to keep up with this bank payments. I have 2 other credit account which I have been keeping up in very good standard. And I have read in the customer protection a bank can not charge after closing the account this ridiculous late fees 1026.52 ( b ) 2 ) i ) ( A ). Few agents were helping me out to get rid of few late fees, other than that nothing. 
Please help me out with this issue find the following details XXXX XXXX Account number XXXX Contact number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has never provided an online credit report to me. The questions provided about my credit usage to confirm my identity do not apply TO ME. Then I have to call them or mail a request. Totally unsatisfactory. This leads me to believe they have bad information or contaminated information about my credit. Please refer to the many many comments all about the lack of response from Equifax to fix their system to provide what is required by law. Please MAKE EQUIFAX FIX THEIR SYSTEMS.
Product: Checking or savings account

I have lost my debit card and there were numerous charges unauthorized by me dating back from XXXX to late XXXX. All the charges were from the state of XXXX which I was not even in. 

I submitted a claim to my Bank ( Bank of America ) on XX/XX/XXXX for a claim amount of {$2800.00} consisting of all the charges from XXXX til XXXX and was told on XX/XX/XXXX that Bank of America would be unable to pay my claim as they state " The charge was authorized by you or made by someone who has permission to use the card or account '' which is untrue. I called them on XX/XX/XXXX to appeal the claim but was told by the bank that they can not open old claims which I believe to be false. 

I understand that some of the charges are too far back to chargeback but I fully expect the charges from XXXX and XXXX to be able to be charged back to my account considering how recent they are. I do not think a blanket rejection of my claim is a valid solution to my issue.