23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got laid off from my job in late XX/XX/XXXX and immediately did whatever I could to find a new job. Pretty soon I was no longer able to make the payments on the mortgage. We contacted a state sponsored program for NJ Homesaver and just as we applied the program was changed and the church in XXXX XXXX NJ said they couldnt help us with that program. I eventually got another job in XX/XX/XXXX but that company couldnt make payroll as of XX/XX/XXXX and I was out of work again. I went looking again and even took a job outside my field and it eventually led to a good XXXX XXXX which I have had 30 years experience in. Then I contacted the bank about a modification. They sent us the modification application and now there was hope. Now that I finally had a stable job and the mortgage note was sold to Iberia Bank we had a chance. Also, both my wife and I were working full time, I also thought we had a solid shot as I worked full time and my wife was a XXXX XXXX XXXX XXXX. I called them and asked about my options and if they had a date for the sale yet on XX/XX/XXXX. They did tell us we must submit our XX/XX/XXXX return which was not finished yet. ( We had filed an extension ) When our accountant had taken longer than we expected to complete the tax return, we then called again to make sure there was not a date for the sale in XX/XX/XXXX and they said there was no sale date. As of today, we were not served with any paperwork from the court or Iberia Bank accept for the Lis Pendens which was sent to us XX/XX/XXXX. We then received paperwork from a lawyer saying we had to pay rent or vacate the premises. The letter was dated XX/XX/XXXX and the rent was due XX/XX/XXXX. The letter was postmarked XX/XX/XXXX. It also said our lease was terminated and we had to vacate the premises no later than XX/XX/XXXX. Then we were mailed a tenancy summons to appear in court on XX/XX/XXXX, as part of an eviction process. We were never formally served and had no idea any of this was going on until XX/XX/XXXX when we received the first letter from the lawyer. We were also told by a lawyer that we didnt use any postponements, which makes the case that we had no idea that any of this was going on. We never even had the opportunity to plead our case in front of a judge. Iberia made it seem as though we would be considered for a modification while all the while they were proceeding with the foreclosure behind our back. We just want a chance to keep our home!
Product: Checking or savings account

Consumer Financial Protection Bureau Re : Complaint against Bank of America To Whom It May Concern, I am writing to express my dissatisfaction and concern regarding a recent decision made by Bank of America in relation to my deposit account application. I am greatly disappointed by the denial of my account opening request, particularly given my previous two-and-a-half-year history of utilizing a checking account with your only reason l open account again beo a o b offer XXXX dollars open rewards. 

I received a notice indicating that my application to open a deposit account with Bank of America had been declined. The decision was purportedly based on information obtained from XXXX XXXX XXXX , XXXX, as mentioned in the communication. However, I am troubled by the fact that neither the agency nor the bank has provided me with specific reasons for this decision, leaving me feeling perplexed and frustrated. 

According to the notice, I have the right to obtain a free copy of my consumer report from the consumer reporting agency within 60 days of receiving this communication. I intend to exercise this right and request a copy of the report to better understand the factors that led to the rejection of my application. Moreover, I am concerned about the accuracy and completeness of the information within my consumer report, as I believe my financial history and relationship with Bank of America should warrant a more favorable outcome. 

The factors cited as adversely affecting my deposit account scoreparticularly the status of my relationship with the inquiring bank compared to the age of my established relationship with any bank, the total amount of returned checks during the last 30 days, and the number of inquiries during the same periodare aspects I believe require further clarification. Given my history as a loyal customer, I find it difficult to reconcile how these factors could outweigh my positive banking history. 

I value my relationship with Bank of America and have trusted your institution for over two years with my financial needs. As a customer, I believe in open communication, transparency, and fairness. I urge you to conduct a thorough review of my application and the decision-making process that led to its denial. I request that you provide me with detailed explanations for each factor that influenced the outcome, so that I can better understand the reasoning behind this decision. 

I appreciate your prompt attention to this matter. I am hopeful that by addressing this issue, we can rectify any misunderstandings and continue a positive banking relationship. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX BALANCED {$580.00} XXXX XXXX XXXX  BALANCED {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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 an account without my instructions.

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. 

XXXX XXXX XXXX Companies XX/XX/2022 is a duplicate inquiry and I have requested on several times now to have it removed but the company Experian has refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seventh 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX # XXXX Amount : {$2300.00} Date Opened : XX/XX/2019 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Fair and accurate credit reporting is essential to the financial system, according to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating. 

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. Since I was never late, this is against TILA US Code 1666B. 

I discovered an inaccurate late payment record on my XXXX XXXX  account [ XXXX ] when I just looked over my consumer report. I have consistently made my account payments on schedule. According to the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ),
Product: Vehicle loan or lease

On XXXX XXXX XXXX, I purchased a vehicle from XXXX XXXX Lot - Tennessee, XXXX XXXX XXXX, XXXX, TN XXXX. The vehicle was for a XXXX XXXX XXXX XXXX 4 Door. The cash price was for {$9900.00}. Accordingly, the loan was for 27.90 % APR charged on daily simple interest. However, Tennessee Law only allows 10 % interest to be charged in accordance with Tenn. Code. Ann. 47-14-103 ( 3 ). Accordingly, XXXX XXXX Lot - via the Third - Party Administrator, XXXX XXXX XXXX , XXXX overcharged me by over 17.90 % interest during the life of the contract. Therefore, I 'm subject to lending fraud and usury interest. Therefore, the Simple Interest Retail Installment Contract is fraudulent and illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX that you, The TranUnion reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX card on XX/XX/XXXX, and under account number XXXX, XXXX XXXX card account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my XXXX consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

n 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. Has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my permission.. 

I XXXX XXXX XXXX XXXX XXXX living person, human being flesh in blood has not consented to XXXX, Experian and XXXX in written, my consumer report needs to be kept confident and private. My rights have been violated.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

6801. Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out
Product: Credit card or prepaid card

In XX/XX/XXXX I was approached by a Wells Fargo worker at a county fair who started to talk to me about college and credit and such. When talking to her, she advised that Wells Fargo offers a college credit card that accrues no interest while I am in college. I was excited because that would help me with my financials and my credit score. When I went into the branch, I was verifying what she told me and she said that I would not accrue interest on the credit card while in college again. In XX/XX/XXXX, I found out I was lied too and that interest started to accrue after 6 months. I went into the branch near me and called multiple times. They only reimbursed about {$100.00} and stated nothing else could be done. I believed them. I just found out on XX/XX/XXXX that it is against the law to lie about terms to get people to sign up for bank products and that I was lied to again. I want true repercussions regarding this issue and the lying
Product: Mortgage

Listen this form is leading toward NSM favor non regulated mortgage lender I sign my blue ink mortgage with XXXX XXXX XXXX XXXX XXXX XXXX  bought my mortgage on XX/XX/XXXX I am asking you to show me as part of trial evidence my CUSIP # and the PSA # I do have a CSA Court of Special Appeals case active # XXXX I did not give XXXX or XXXX permission to securitize and pool my home loan My loan was paid off in full and I demand lien release and reinstate me as owner on title The lower court orders summary judgment denied me my common law trial by jury rights and due process of law Local county Sheriff XXXX XXXX XXXX - did not have 4 point seizure warrant and used badge and gun intimidation to force me out of my home on XX/XX/XXXX I am stepping back on property this month I have been told by many agencies you are the end of the road and you can get the evidence I have been seeking and you will respond. 
I live in MD so DC just down the road so i wish to speak with you in person Lender Name CMC Central Mortgage Company XXXX XXXX XXXX XXXX   Loan/Account/Case/Other # XXXX Type of Loan - residential primary home mortgage I know what I am asking for and what I am looking for so any delay obstruction tampering will be on record Yes I have filed complaints with FINRA SEC FHFA OIG MD OAG CID - ETHICS - MD RE will be filling next week MD AGC attorney grievance commission
Product: Bank account or service

Capital One direct banking is causing me to be late on my bills, I mailed XXXX money orders totaling {$340.00} on XXXX/XXXX/16 and XXXX/XXXX/16 which I faxed over as proof to a supervisor. The website does not specify that they do not accept money orders, I did not receive back until two weeks later with a letter dated XXXX/XXXX/16 stating they do not accept money orders now I am late on several bills because I did not have the funds to replace the money orders, the manager claimed they do not accept money orders because they could be fraudulent but I actually signed my money orders and I had to put my contact information on it so this is not true. Then another manager advised me based on the type of account that I had, they ca n't accept money orders. It seems to me that no one knows what they are talking about and I also just found by supervisor on Wednesday that my account could be shut down due to government regulations because I am using this as a checking account instead of a savings account which I advised them my current checking account is overdrawn by {$450.00} due to fraud and that account is frozen. No one ever told me that until Wednesday, I feel that Capital One withheld information. I have several late fees that I have to pay plus now I am dealing with several credit reporting. I have been a customer of Capital one for 10 years, I also have a credit card with them. I also had to pay a {$28.00} wire fee and I had to take off work to do it because my bank will only do transfers from XXXX Monday through Friday, and a certified check would have been cheaper but Capital One advised me it can take up 3 days for the money to post. Most banks do not do bank wires for balances less than {$10000.00} but my bank granted me an exception. I was also advised on Wednesday that I could transfer to a XXXX checking account but I was never given that option before. This is has cost me financially I now have to try to play catch up because several of my payments were returned and now some creditors are making me do money orders with them. This is bad customer service. I also have a Capital One credit card that has put XXXX credit marks on my credit and it is past due, I need both of them removed because this was not my fault. I can fax Capital One a copy of the negative bank balance plus the wire fees, I have not been credited for all the bank return fees like I was advised that I would be.
Product: Checking or savings account

I have banked with Capital One for roughly 2 years. This morning for the 3rd and FINAL time in the last 2 years I attempted to use my debit card only to have it be declined. After several more attempts I broke down and called their customer service. For the third time I was informed that my debit card was stopped/canceled over suspected fradulent activity 0 notice was given. No email. No phone call. No letter. Nothing. Just canceled. And not only did they cancel it, but on the 2 previous occasions that they did the identical thing. I specifically told them DO NOT flag, or do anything else with my card. If I somehow get my card stolen for the first time in my 35 year life I promise Ill give them a call. Otherwise, if I go to use my card. It should work. Every single time. Seems like a pretty simple concept. But apparently thats just too much to ask. So after sitting though 20 minutes of hold time. And another 10 minutes getting a card sent. I hung up thoroughly angry. I set out to open a new account elsewhere and I when i opened my email I noticed a message from capital one stating I could get their mobile app and have access to a digital copy of the card being issued to use online. WONDERUL I thought! Exactly what I needed. I hurried. Downloaded the App and started searching. 20 minutes, multiple XXXX  searches, and 0 progress later I again called. Thinking surely Im just missing it. 20 more minutes on hold. I explain the situation to the representitive. I tell him i received the email. I go over step by step on speaker opening the app. He then puts me on hold for another 10 minutes. Gets back on the phone and informs me, This is a pilot program and we believe you recieved the email in error. You arent eligible or able to get the card information online. So 2 hours of my time GONE. Over sheer incompetence with 0 fault of my own. The policies are a joke. The website is so incredibly jumbled and unintuitive to navigate. And as if to mock me, I was selected in error to get my card.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed that one thing are incomplete and not accurate. And according to the fair credit reporting act 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 when the report relates. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a transaction through Zelle that I thought was an honest business transaction. I was promised XXXX XXXXXXXX XXXX, shown proof of tickets, and was asked to send over Zelle. I had used Zelle before a couple of times but was new to the platform. I sent {$1000.00} to this person, to find out they were not who they said they were. I never received any tickets and was out {$1000.00}. I called Zelle immediately while the transaction was still pending, and instead of helping me they disbanded my Zelle account and I was never allowed to use it again. They never looked into my claims adequately, they completely neglected me as a consumer and continued to do it years down the road. Two years later, on XX/XX/XXXXXXXX XXXX XXXX  I called Zelle again. Attempting to get my account back, and a refund they refused me and said Zelle has the right to refuse anyone service. Zelle has wrongfully denied me, and refused to help me. Ive been dealing with this for over 4 years, and frankly just want to be refunded for this transaction that I should have very easily been able to dispute but because Zelle neglected to help me, i lost a large amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled and/or paid off accounts and they continue to report long after the stature of limitations.
Product: Debt collection

I had an account with web bank years ago and I became ill no longer able to work so I couldn't pay my account.Then months later I started receiving information from a portfolio recovery stated they purchased my old account this was in XXXX and it's showing in my credit report this account is open but but web bank been closed the account of a balance of {$470.00} and portfolio recovery purchased it to make money off the old account