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

I am the XXXX  for our local XXXX XXXX XXXX. We bank with Regions Bank. In the Spring we have a big fundraiser where we sell and spread XXXX  to help raise money for the kids to pay for outings, gear and Summer Camp. On XX/XX/XXXX we made a deposit that was about {$10000.00}. There was one check from a XXXX customer where the customer had written the date as XX/XX/XXXX and then changed the day from a XXXX to a XXXX. There were initials above it. The remitters bank ( XXXX XXXX ), refused to pay the item, and Regions returned it unpaid as altered and proceeded to place a hold on the entire account to investigate XXXX XXXX. The balance was over {$50000.00} and they froze the entire account, not just the {$220.00} that represented the check in question. The notice that we received in the mail only indicated a hold for {$220.00}. I went to the bank when a check totaling {$7100.00} for a trailer of XXXX was returned with a reason of Frozen account. The Regions manager opened a ticket and within a day told me the hold had been lifted from the account. We continued to do business by making deposits and writing checks for expenses. Then on XX/XX/XXXX I learn from a XXXX parent that a check we wrote him to reimburse some expenses was returned unpaid after he made a deposit into his Regions account on XX/XX/XXXX. So, I end up back at the bank to see what had happened. Apparently the hold that was to have been deleted on XX/XX/XXXX was never deleted. After my request to escalate, the manager was able to get the hold lifted by the end of the day. I have been in the financial services industry for 16 years, 15 of which was in operations for XXXX XXXX. 

Here are my issues with my experience. Im sure the date being changed triggered some flow chart of policy that was followed to return the check unpaid. But if someone actually looked at the check, they would realize that the date being changed from XX/XX/XXXX to XX/XX/XXXX ( initialed or not ) has no impact on a check that isnt deposited until XX/XX/XXXX. Any check that isnt stale dated or post dated should be fine if the date of deposit is after the date on the check. If the check in question is only {$220.00}, why put a hold on the entire account balance? If there is a freeze on the account for research of deposit fraud, why not block all credits too? Why continue to let us deposit into the account? And lastly, when you send notice that there is a hold on {$220.00}, only hold {$220.00}, dont hold the entire balance. Regions has been standing in the way of 45 Boy Scouts having access yo money they have earned to pay for XXXX XXXX. And while this XXXX be the way banking is done, it definitely isnt a good customer experience. It makes people question Regions ability to handle their business
Product: Credit reporting or other personal consumer reports

Ive noticed a numerous errors after receiving and reviewing my credit reports. Equifax, XXXX, and XXXX are alleging that the following accounts below are reported to be LATE or POTENTIALLY NEGATIVE without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A. Any and all consent to Equifax, XXXX, and XXXX ( Furnisher of LATE or POTENTIALLY NEGATIVE information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 
In addition, urgently request produce and deliver a contract between you Equifax, XXXX, and XXXX and I, consumer, bearing my signature showing proof that I gave you permission to furnish any information on my behalf. Equifax, XXXX, and XXXX violated Privacy Act of 1974 ( 5 U.S. Code 552a ) & 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit card or prepaid card

A few months ago I noticed a charge on my XXXX card that was not authorized by me and it was done on my XXXX card from my cellular phone towards XXXX, a travel booking website. I have been having fraudulent issues which XXXX is aware of because I had to close all of my authozied user cards recently and reverse foreign transactions. When I noticed this travel booking I diputed it with XXXX but was not successful and was told I had to call my credit card company. Someone has hacked my emails, credit cards and telephone and was making nonchalent purchses to see if the card was working and open and then they would go ring it up at various webistes and stores. I am not sure what the fraud is or was but a lot of my crads have been compromised and all of my emails had to have new passwords set up. Our building has had endless mail theft and brake ins and my XXXX XXXX XXXX bills were also stolen, leading me to believe my cellphone was compromised and apps used on other devices tgatbused my login for XXXX. Who ever this is they have damaged my life for the past 8 months and XXXX is WELL aware of this and yet they have denied my refund! I am truly appaled at their horrible lack of sensitivity to my stress and ashamed that between the thousands I spend and pay back montgly they are refusing to believe me when I say my XXXX, mail and emails have been hacked as have my authorized user cards and apparently mine as well. We have police reports which I am happy to send but must obtain from our Homeowners associateion which can take weeks to mail out. Im just shocked at how awful XXXX and XXXX  are treating me! If my {$370.00} is not refunded I am prepared with all documents and prooof to sue XXXX and XXXX immeidtaley. Shame on them for all the stress they are putting me through I deserve far more! I am a loyal and great cutsomer and have fallen into the hands of thieves and they could care less. Also, the documents and evidence they have mailed me from XXXX are terrible and not legible at all! I have attached everything to this complaint. Please reprimand XXXX and XXXX and investigate their unfair and scandlous actions against me. I cant imagine thinking I have to pay this!
Product: Credit reporting or other personal consumer reports

I am disputing the following items on my Experian credit report : XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - {$710.00} XXXX XXXX XXXX - {$1100.00} XXXX XXXX - XXXX - {$130.00} XXXX XXXX - XXXX - {$44.00} XXXX XXXX - XXXX - {$150.00} XXXX XXXX - XXXX - {$100.00} XXXX XXXX - XXXX - {$140.00} XXXX XXXX - XX/XX/year> These accounts are inaccurate and unverified. The XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX accounts either have incorrect balances or are unfamiliar to me. I suspect these discrepancies are the result of a possible data breach that has compromised my personal information. Despite disputing these items numerous times, no resolution has been achieved, and their continued presence on my credit report is causing significant emotional stress and negatively impacting my health. The constant worry and anxiety about these unresolved issues have affected my peace of mind and well-being. I have attached an identity theft report for further clarification, and I request that these items be removed from my report to help prevent further harm to my financial and physical health.
Product: Credit card

On XX/XX/2023, I signed up for a waitlist for tickets to XXXX XXXX XXXX with XXXX. I then canceled the tickets online because my wife discovered she was pregnant in XXXXXXXX. We went through the portal and canceled both of our tickets. Then, on XX/XX/XXXX, we received an email stating that our tickets are " on the way '' ( to be shipped ), despite canceling them while we were still on the waitlist. We raised this issue to XXXX multiple times to no avail and my credit card does not let me dispute the charge. I paid in full for my ticket through an automatic charge on XX/XX/XXXX, and received it later in XXXX. 

Then, we tried to resell the tickets pursuant to XXXXXXXX XXXX policy, which states that XXXX would buy back the ticket if I had paid in full and there was an active waitlist. These requirements have always been satisfied while I've tried to resell my tickets : there was an active waitlist, and there still is, and I had paid in full. However, the online portal did not allow us to complete the official resell process while their waitlist was active and I had paid in full. Several XXXX customer service representatives refused to complete the resell process for us and failed to acknowledge their policy stating that the waitlist tickets could be cancelled or that the shipped tickets could be resold on their portal. 

As of today, XX/XX/2023, there is still an active waitlist, and the online website allows customers to process a waitlist order. Meanwhile, I still can not process my resell ticket after cancelling my ticket XXXX and paying in full for it in XXXX. 

We purchased the tickets under the waitlist and canceled them promptly pursuant to XXXX policy. XXXX then issued us the tickets anyway and refused to allow us to resell them under their own policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the earlier written requests, the unverified accounts listed below still continue to report on my credit report, These accounts must be validated in order to improve or stabilize my XXXX XXXX Here are the accounts that need fixing : XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance XXXX {$3000.00}
Product: Mortgage

I am refinancing my mortgage with my existing bank. After submitting my application, I received an unsolicited text message from XXXX XXXX XXXX asking whether I authorized the pull on my credit and whether they could offer a second opinion. I have never had any contact with this company. This screams scam or, if not, wildly inappropriate for a company to be monitoring my credit reports to see if I make an inquiry. They have acquired my name, phone number, address, and credit report without my knowledge or authorization.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went into a contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a financed price of XXXX with an XXXX of XXXX and XXXX payments of XXXX for a total of XXXX. Today, I acquired my credit report via XXXX XXXX and it shows that XXXX of XXXX XXXX fraudulently entered me into a contract of 73 payments and an interest rate of 24.71. They also added XXXX worth of " Service contract '' to my account that has been denied usage on 3 separate occasions, with being told they " don't hear '' the concern so they will not address it. I asked to have it canceled and refunded and the company XXXX XXXX said that is only possible with the 8 digit pin # assigned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX department ( XXXX and extention XXXX ) have both said they have no idea how to get that pin #, thus forcing me to keep something we have asked multiple times to remove. Also, I have been told the finance department fabricated my income amounts to get me qualified initally. I only recently found this out. At the time my monthly income was less than the truck payment. I feel like XXXX of XXXX XXXX took advantage of both myself and of XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to report the following collections inaccurately. 
PORTFOLIO RC - XXXX PORTFOLIO RC - XXXX PORTFOLIO RC - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit card

To Whom It May Concern : I have been a customer of Citi Bank since 2012 and have always paid my balance in full each month except for when I have a 0 % balance transfer offer. I was recently surprised to see various interest charges on my account. I now understand that since the balance was technically not paid in " full '' ( due to the 0 % balance transfer amount ) my account accrued interest on standard purchases. 

I feel this behavior is a UDAAP violation. The 0 % balance transfer is not beneficial to the consumer if Citi Bank just allocates the interest to standard purchases each month. The proper information about the balance transfer was not disclosed and XXXX different customer service representatives gave me conflicting information. 

Accordingly, I plan to pay off the entire balance including the balance transfer immediately. I would like the balance transfer fees ( XXXX XXXX in the amount of {$210.00} ) credited to my account. 

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

Per 15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXXXXXX  which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA.

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

XXXX reported completing an investigation, however, the date the information was LAST verified was XXXX 

XXXX and Experian did NOT provide me results as requested. Experian made the baseless claim that my dispute did not come although the letter was addressed directly from me.
Product: Student loan

I took out two loans with XXXX back in XXXX when I attended XXXX Community College in XXXX, FL. I am XXXX school now and suddenly these loans have come into repayment. I called Navient, and they told me that I 've run out of time to not make payments and must make take a forebearance, pay {$100.00} to clear the past due and now start making payments each month. I paid {$150.00} for XX/XX/XXXX and now they say I owe {$160.00} for XX/XX/XXXX. 

I looked at the loan information and it says that the loans were disbursed XX/XX/XXXX and XX/XX/XXXX, both of which is a lie. I was attending the XXXX in XXXX and was taking federal loans at that time, so no private loan would have have been needed. 

Further more, when I talked to their customer service, they said I had no income based plans available to me and must start making payments immediately, even though I am still in school. Then I see that the government is suing Navient for misleading it 's customers so I 'm filing this official complaint to see what can be done.
Product: Debt collection

I did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. I have asked for a investigation report and never received it. The law says this that it should be removed in four days and its been over four days as you can see on the FTC REPORT I sent it XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I'd discover inaccurate information on my consumer file. Clear violation of Fair Credit Report ACT. I have been disputing this information for longest time now. I've been a victim of XXXXXXXX XXXX Data Breach. Affidavit has been attached regarding the case.

Consumer Reporting Agencies are not investigating under 15 U.S. Code 1681i. I do not receive any investigation details. 

Accounts ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This dept is a result of Identify theft. On XX/XX/2019 I faxed 17 pages to XXXX as requested by XXXX to resolve this. XXXX is in clear violation of the Federal fair credit reporting act! Under 609e I asked XXXX to provide me all records of this transaction under ID theft laws of 609e. I received nothing. Also under Notice To Furnishers 623a XXXX violated my rights under duties when ID theft occurs. I see GC services on my credit report for the dept. This is the second round of XXXX  turning this same debt over to other collection agencies for a Dept that was deleted last year from all Credit reporting agencies and the XXXX XXXX XXXX that was the dept collectors last year all this was deleted I thought I was all set. Well fast forward to this past week I see XXXX sold this same dept they know is ID theft and was deleted last year to I see GC services on my report and XXXX! XXXX deleted this as of today I received email XXXX off my credit report now we are down too GC services I see on my report. XXXX Is in clear violations with documents I'm attaching again to prove my case.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. 
particularly in 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Student loan

I had subprime loans from Sallie Mae which was later transferred to Navient and is currently with XXXX after refinancing. Sallie Mae offered these loans at exorbitant rates at a time when I wasn't even a US resident or had a SSN. My rates were in the 12-15 % range at a time when nationwide average was between 1-4 %. Total loan amount was around {$75000.00}, I was paying interest while I was in college. After graduating, I haven't missed a payment, paid over XXXX and still have over $ XXXX to go. After reflecting on this, my loan seem to have quadrupled while I was on school. 
I am seeking the remainder of the loan be forgiven. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by TransUnion, XXXX, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX  ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

Wells Fargo loan number # XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ON XX/XX/XXXX Wells Fargo Home preservation Specialist refuses to grant my request to file an Home Affordable Modification application, additionally specialist informed me that I was to close to the foreclosure sell, I also ask for my entire file regarding loan modification file that was submitted in XX/XX/XXXX, that was decline, and then representative transfer me over to personnel that was unwilling to resolve my request, No representative was willing help me regarding prior years invoices from the dates of ; XX/XX/XXXX to present, I was not receiving my invoices therefore i am disputing amount that is unpaid which is : XX/XX/XXXX information regarding XX/XX/XXXX home preservation file is not accurate in which i was decline on wrongful income amount, after receiving this information i immediately contacted Wells Fargo Home preservationist officer and inform XXXX XXXX XXXX that information regarding income is not accurate yet XXXX XXXX informed me and my the Attorney that Wells Fargo bank will not proceed any further on loan modifications therefore placing us in foreclosure status. 
I ask the CFPB will correct Wells Fargo mismanagement of Government funding by not allowing consumers to apply for loan modification