23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. 

XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.
Product: Student loan

My loans were transferred to XXXX XXXX in XX/XX/XXXX after I applied to the Public Service Loan Forgiveness Program ( PSLF ). After much chaos with trying to establish the best repayment plan, I settled on the Standard Repayment Plan. 

In XX/XX/XXXX, I was notified that my account was in " pay ahead '' status. I was told that at some point, I elected to pay more than the required monthly payment amount to decrease my overall debt. However, I do not recall electing to pay ahead, and there is no documentation showing this either. Pay ahead status would decrease the overall amount of loans forgiven in PSLF, so I do not want to be in this status. In this same phone call in XX/XX/XXXX, I requested to be taken off of pay ahead status, and was notified that my request was immediately taken care of. However, my account still says it is in pay ahead status today ( XX/XX/XXXX ). I have already called to request this be taken off, but nothing has worked. 

Additionally, I am enrolled in auto-debit and was told I would see an interest rate deduction of 0.25 % after my XXXX monthly payment. This is not reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian, XXXX and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. Each bureau sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX or XXXX doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Since around XX/XX/XXXX, I have NOT been able to access my California issued Employment Development Department ( EDD ) - Unemployment Benefits Visa Debit Card, serviced by Bank of America ( BOA ).

I can NOT login to my Account on Line, it says " Your account can not be accessed. Please call the number on the back of your card. '' I have called BOA numerous times ( roughly 20+ calls ) with no resolution. I asked to speak with a Manager/Supervisor, and was placed on hold for approximately 40 minutes. I could wait no longer.

I was ultimately told by BOA staff that only EDD can unfreeze my account. 

I contacted EDD repeatedly. They reviewed my account and said there should be no freeze on my account. As I DO NOT have an " active '' claim with EDD, I was told the matter is between BOA and myself.

I asked BOA to provide me with a WRITTEN explanation as to WHY my account is frozen. They refused. I was told there is NO TIME FRAME for resolution of my frozen account issue.

I again, contacted EDD who explained there " may '' be some technical issue, and that they are looking into it. They could not give me a date as to WHEN they might communicate with BOA and resolve the problem. 

As an XXXX Senior, I am now facing dire circumstances including Food insecurity, Gasoline insecurity, Housing insecurity, Transportation insecurity, NOT being able to make needed Medical and Dental appointments, missed Insurance Premimums, and soon to be missed Car Note and Automobile Insurance and related payments. 

I feel like this is the XXXX 's -- that I read about in the History Books -- and, it's SCARY when you can not withdrawn much needed benefits to pay for your basic needs, FOOD, CLOTHING and SHELTER!!! 

My research reveals that this may be a MASSIVE PROBLEM. And, I believe the United States Government should STEP IN ... and MEDIATE the resolution of the problem between BOA and EDD.

As an American Citizen, I feel that my CONSTITUTIONAL RIGHTS and CONSUMER RIGHTS have been VIOLATED.

ALL I ASK is for the PROMPT and IMMEDIATE resolution to this debacle. 

Bank of America is the Nation 's 2nd Largest Bank... It's EASY for them to read a script and SAY there is NO TIME FRAME for resolution. BUT, for myself and MANY MANY OTHERS, each day of frozen funds is health and life threatening!

CFPB, I PRAY for your help with this matter. " In God, We Trust ''.

Sincerely, BOA / EDD Benefits Recipient
Product: Credit card or prepaid card

This is another dispute connected to a former dispute ... .dispute # XXXX I did not agree to the terms and conditions that Discovercard claimed I agreed to. I asked Discovercard to send me a copy of my agreement to this particular term : " You stated that Discovercard can not overide the terms and condition you agree to when provide your Discover card account number as a method of payment to the merchant ... '' First of all I asked Discovercard to send me the terms and conditions I agreed to because I have no terms and conditions that state by giving my credit card number to a merchant it authorizes them to charge my account. They said they would send it but they never did and I did not agree to that. It is up to them to prove that I agreed to those terms and conditions. I reject this decision. ''
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 theses transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparaency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Last week I lost my credit card at work. Someone found it and started using it until today when I noticed that I didn't have it and when I verified my account there were multiple transactions that I had not made. I would like to know if you could please help me identify this person. 

Heres the dates, hours and places where all the transitions were made ; XX/XX/2024 XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$39.00} XX/XX/2024 XXXX XXXX XXXX XXXX  {$14.00} XX/XX/2024 XXXX XXXX XXXX XXXX  {$29.00} XX/XX/2024 XXXX  XXXX XXXX XXXXXXXX XXXX {$12.00} XX/XX/2024 XXXX  XXXX XXXX XXXX XXXX  {$7.00} XX/XX/2024 SO XXXX XXXX XXXX XXXX  {$9.00} XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  {$34.00} XX/XX/2024 XXXX XXXX XXXX XXXX XXXX  {$88.00} XX/XX/2024 XXXX XXXX XXXX XXXX XXXX {$47.00} XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX  {$0.00} XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XXXX  {$0.00} XX/XX/2024 XXXX  XXXX & XXXX XXXX  XXXX XXXX  {$45.00} XX/XX/2024 XXXX  XXXX & XXXX XXXX  XXXX XXXX  {$13.00}. 
XX/XX/2024 XXXX XXXX XXXX XXXX  {$27.00}
Product: Bank account or service

Chase bank has disabled my ability to make mobile check deposits into my account and there is also a pattern of delays on transfers made into this account which I only use to pay bills, causing fees or late payments. These delays and inabilities to make deposits create a situation that allows chase to impose insufficient funds fees and it seems predatory, as I always attempt to make these transactions leaving reasonable time for them to be processed. For example : I have XXXX dollars worth of bills coming out on XX/XX/XXXX but only XXXX dollars in the account on XX/XX/XXXX. I make a transfer of XXXX dollars on XX/XX/XXXX and Chase say it takes up to 3 business days to process but they will not process the transfer for 5 days and then charge me insufficient funds fees. This has happened more than once but only when my account is low or I have bills coming out of the account and it seems it is in order to allow them to collect fees that should not have been charged. Also the only way to make funds available within one day is mobile check deposit which they have disabled for my account. There is no chase branch within XXXX miles of my home as I have moved so I am unable to make deposits in the branch so it seems as though I am being targeted to incur these fees in order to pay my bills.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Failure to Complete Credit Investigation Within the Required Timeframe Under the FCRA To Whom It May Concern, I am writing to formally file a complaint regarding the failure of Experian, XXXX, and XXXX to complete their investigations into my disputed credit report items within the legally required timeframe. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to complete their reinvestigation within 30 days of receiving a dispute unless additional information is provided by the consumer, in which case they may extend the timeframe to 45 days.

I submitted disputes regarding inaccuracies on my credit report, and as of the date of this letter, the credit bureaus have failed to complete their investigations within the required time limit. Below are the details of the complaints : Complaint ID : XXXX - Experian ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - XXXX ( Filed XX/XX/XXXX XXXX Status : Closed - Response received ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - Experian ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Complaint ID : XXXX - TransUnion ( Filed XX/XX/XXXX, Status : Open ) Given the failure of these credit bureaus to comply with the FCRA 's mandated timeframes, I am requesting the CFPB to take immediate action against these violations. Additionally, I request that all disputed items that have not been properly investigated be deleted from my credit report as required by law when an investigation is not completed within the timeframe. 

Please acknowledge receipt of this complaint and inform me of any actions that will be taken. I appreciate your prompt attention to this matter to ensure compliance with consumer protection laws. 

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

I have contacted Experian and XXXX to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.
Product: Mortgage

I started a short sale process XX/XX/XXXX and had multiple offers on my home at XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The bank responded to the first offer presented to them as being too low to meet the requirement. They sent me an appraisal with the minimum net offer amount. My realtor then presented them with a 2nd offer on XX/XX/XXXX after several attempts to get them to clarify the net amount. The net amount for the offer was {$120000.00} to begin the negotiation process. The offer was to expire on XX/XX/XXXX. We did not hear anything from the US Bank negotiator until XX/XX/XXXX with a request for bank statements from XXXX XXXX, a Default Resolution XXXX with US Bank. His request for my bank statements went thru my realtor, which I thought was strange. A realtor usually does not collect financial data on its clients. My realtor forwarded the request to me and I sent both XXXX XXXX and XXXX XXXX, who was then my relationship manager at US Bank my bank statements. XXXX sent a confirmation of receipt of my bank statements. However, I never heard back from XXXX XXXX about the offer presented to the bank on XX/XX/XXXX. As the offer expiration approached, my realtor XXXX XXXX and I made several attempts to get some sort of response from the bank. The very motivated buyer extended the offer to XX/XX/XXXX in hopes of getting a response from the bank due to an email received from XXXX XXXX on XXXX stating that the loan review was escalated to senior management and allow 2 weeks for XXXX to be contacted by the negotiator or another XXXX. We never got a response about the offer. The buyer and my realtor then walked away. I sent in a request for a deed-in-lieu of foreclosure on XXXX/XXXX/15 due to the banks failure to respond to offers. I also filed a complaint with their Default Complaints Escalation Center of US Bank Home Mortgage about the offer and the failure to respond to the offer in a timely manner XX/XX/XXXX. I did receive a response from the Default Complaints Escalation Center on XX/XX/XXXX, I received a letter referenced Loss Mitigation Summary Information that stated that my Short Sale was not approved because " We have yet to receive a sufficient short sale offer that meets program requirements. '' and DIL was " '' The application did not indicate interest in in pursuing a deed-in-lieu and therefore you were not reviewed '' and it did not mention that US Bank Home Mortgage failed to respond to my last purchase agreement which forced both the buyer and realtor to abandon the offer. 
I have since spoken with several staff at US Bank Home Mortgage who have acknowledged " dropping the ball ''. However, they have not repaired my credit, nor have they tried to do a " deed in lieu. '' The repeatly cover up their mistakes and deny any wrong doing on paper. I would like the bank to regulate short sales with big banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX about paying a bill off and paid the bill in full. This was confirmed by XXXX. They then sold a {$6.00} balance to Cenvergent Outscouring who added this to my report in spite of my good faith effort to pay the account off when XXXX gave me the balance to resolve this account before it went to collections.
Product: Mortgage

On XX/XX/, I received another letter from Citizens Bank, where I have a checking account and two credit card accounts, telling me I am pre-qualified for a HELOC. I have received several of these letters but have mostly disregarded it. This time, however, I realized that my getting these letters was potentially a problem. Looking at the letter, it says that I am pre-qualified and given a prospective credit rate based on my " strong credit score '' and that the offer is " on the basis of [ Citizen Bank 's ] knowledge of you as a customer and your standard customer credit profile. '' This is a bit of a red flag to me, because, per Section 604 ( e ) of the FCRA, I opted to be excluded from lists that would provide credit information for such pre-qualifications for what the FCRA calls " a credit or insurance transaction that is not initiated by the consumer. '' It is possible that they are basing the pre-qualification based on information they have via my opened accounts, but they should not be able to get my credit score from an XXXX for this purpose. I called multiple customer service lines to get clarification and no one was able to offer it. I asked for a way to submit consumer complaints to the bank and no one was aware of any way to submit such a complaint. 

I am concerned for the potential for the following : an XXXX is providing my credit score in violation of section 604 ( e ) of the FCRA and/or Citizens Bank is compiling a credit score internally which I'm not sure is appropriate under the FCRA. They may also not be a credit score involved in this pre-qualification, just a risk score based on my accounts with them, but they were not able to verify that and their communication states otherwise. If there is no credit scoring involved in these offers, they should update their communications to be more accurate. Furthermore, I am concerned that bank employees are not able to answer that question and are unable to provide a means to submit a consumer complaint. I was also unable to find a way to submit a complaint online.
Product: Debt collection

On XX/XX/2019, I received notification from the credit bureaus that a debt from Sequium Asset Solutions was being reported on my credit reports. Prior to this I had no idea who Sequium Asset Solutions was, had no contact with them or had done any business with them. On XX/XX/2019 Sequium Asset Solutions LLC received my faxed letter requesting validation of an account XXXX. I have not received a response. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is  inaccurate. As of XX/XX/2019, they are still reporting account on my credit. Which puts them in violation of various state collection laws. After suffering actual damages due to their willful negligence, I am making every effort to resolve this matter without presenting this matter in court. I am confident that by channeling this dispute through the CFPB, a more simple resolution can be made. If they delete the account, cease reporting it to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved.
Product: Credit reporting

a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name
Product: Debt collection

Dear IQ Data International I am writing you in response to your recent communication regarding the alleged debt related to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ; on XX/XX/2016, which you claim I owe. After careful review of my records and relevant laws, it has come to my attention that the statute of limitations for collecting this debt in Nevada has expired. According to Nevada Revised Statutes ( NRS ) 11.190, the statute of limitations for most types of debts in Nevada is six years. As the alleged debt in question is more than seven years old, it is now time-barred and legally unenforceable. Therefore, I kindly request that you immediately cease all collection efforts related to this debt. Also want to remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from engaging in deceptive or unfair practices in attempting to collect debts. Pursuant to FDCPA Section 809 ( b ), if you continue to pursue collection activities on this time-barred debt, I will consider it a violation of my rights under the FDCPA and will take appropriate legal action.
Product: Mortgage

Im k I am or a as in a XXXX XXXX  plan and I have a FIXED 2 % mortgage and I am a XXXX Homeowner exemption 50 % and my mortgage servicer who took over in XXXX as I know Shellpoint mortgage servicer which I had XXXX XXXX  until that point sent me a letter in XXXX telling me I am XXXX behind in payments and they refused to take my payments which is false as I have all my payments from XXXX of XXXX when I filed XXXX XXXXXXXX never missed a payment I went to bank XXXX and got all copies sent it to mortgage company as proff then in XX/XX/XXXX they added {$71000.00} to my monthly payments starting in XX/XX/XXXX they sent me a notice my new mortgage payment is now {$4100.00} instead of my fixed 2 % payments I was paying of {$2900.00} i am 50 % DHE homeowner and my insurance stayed the same or went down I asked I have a fixed mortgage had no increase in escrow and they said that I was XXXX in escrow so I looked back on my mortgage bills and it was like that or into been there dont no where it came from but before I entered into the XXXX XX/XX/XXXX it was there they XXXX XXXX the accounting and now they want to add it to me when I have a fixed mortgage 2 % that is improper and illegal practices by the bank and I want it fixed. I am not going to pay it I contacted my bankruptcy attorney XXXX XXXX XXXX XXXXXXXX XXXX and left numerous voice messages a numerous emails and texts in regard with no response and I have proff of all of this plus prior mortgage statement to the XXXX XXXX of XXXX and it was there so I want this XXXX they added to my monthly payments removed immediately
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX  I reached out to all 3 credit bureaus plus XXXX ND XXXX IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX fl, XXXX Last 4 SSN : XXXX XXXX : XXXX Consumer ID : XXXXXXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MN XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified item listed below remains on my ChexSystems report in violation of Federal Law. You are required under the FRA to have a copy of the original source documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from ( name of bank ) does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( 15 ) business days, I will take further steps to preserve my rights.

1am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Again, let me repeat, you have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

Please verify the following account or remove it immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX