23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private loan through US bank was forgiven last year. I just received a letter from them saying I was in default and that if I paid a lower amount now they would n't send me to collections. When I called them, they immediately told me it was a mistake and to disregard it. The lady I was talking to would not give me her name. I also asked for them to send me a letter showing it was a mistake which they will not send me. My concern is that they are doing this to others who will just pay the lower amount without realizing it is false.
Product: Money transfer, virtual currency, or money service

I transferred XXXX to a family member through Zelle and they never received the money. My bank did a dispute and said there was nothing the could do.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX {$450.00} Account # XXXXXXXX XXXX XXXX {$540.00} Account # XXXXXXXX XXXX XXXX {$2500.00} Account # XXXX 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 states : a consumer reporting agency can not furnih an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting aganecy 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 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 the information is innaccurate.
Product: Money transfer, virtual currency, or money service

I have received several refund checks from the overdraft fee class action ( Morris v. Bank of America ). I no longer have a bank account with Bank of America due to them imposing outrageous and numerous overdraft fees. I went to go cash a check for {$32.00} that was sent to me due to the result of this lawsuit and was told I had to pay an {$8.00} check cashing fee in order to cash the check since I was not a current customer. 
Bank of America time/location where I tried to cash the check : XX/XX/2022 Around XXXX XXXX. 

Bank of America XXXX XXXX XXXX XXXX XXXX, NC XXXX My complaint is that I should not have to pay a check cashing fee for money that is being refunded due the result of a lawsuit. 
Lawsuit : Bank of America, NA ( BANA ) is paying {$75.00} million to settle a class action alleging that it improperly charged insufficient or non-sufficient funds fees ( and/or overdraft fees ) involving the timing of actions in several situations, including for Retry Transaction Fees, for Intrabank Transaction Fees, and for Fee Accrual Claim Fees. The complaint alleged the bank breached its customer agreements and violated state consumer protection laws. 

Docket Number : XXXX I should not have to pay these fees because they would have never had to pay fees to access the money being refunded had they not violated their costumer agreements and state consumer protection laws. 
Consumers receiving settlement checks are not getting the full balance owed to them since they charge {$8.00} to cash it. They are defrauding the customers who have already been a victim of Bank of Americas schemes by charging the customer fees to access the funds they took illegally in the first place. 
Its like they couldnt get stand to do the right thing and give people their money back free of charge, they had to get SOMETHING. 
This is absolutely unethical. This is causing more problems on top of the ones they created a couple years ago when this was happening. I stayed on the phone with these people constantly when banking with them about their ridiculous overdraft fees. Now you cant contact customer service without having an account. Theres absolutely now way to speak with a human without providing account information which makes it literally impossible if you do not have an account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After my first initial contact with XXXX I sent all my financial info and stuff that was required. XXXX knew I had a timetable of when I wanted to be out of my old apartment and she assured me that all was well while this is going on XXXX had me to pay for a home inspection, appraisal and under false pretenses had me pay an early car note that wouldn't even make a difference all the while stalling putting me off evasive behavior. To add injury to insult neither XXXX nor XXXX her supervisor made no attempt nor did they not care about having me sitting around waiting to hear great news and I find out from my realtor that I was denied. To this very day neither one of them have called to offer any APOLOGIES for what they put me through.
Product: Checking or savings account

As of XXXX/XXXX/XXXX our small business checking account was transferred from XXXX XXXX XXXX to XXXX XXXX. I knew there would be an adjustment period and probable glitches so I decided to be patient and follow the XXXX employees advice wherever needed. I knew I could n't get online to my account but was told it would take some time for the transition. Fine, ok. Our seasonal business income goes up and down thus our account balance goes up and down. While it was up, there was no problem with automatic withdrawals. In other words I could manage our account just by monthly statements ; but, as time wore on it became a problem. We received a letter in the mail to contact a local branch because there was a problem that needed to be resolved with our ability to use online banking. My husband went to a local branch, they read the letter and then told him that they did not know why that letter was issued but there was no problem that they could see. So again I attempted the online banking but was refused. In XXXX there were two overdrafts ( {$35.00} each ) AND 2 extended overdraft fees of {$25.00} each. This was a larger quarterly withdrawal in addition to the monthly withdrawals. I learned this through my statement which I received in XXXX XXXX. We hurried to remedy this by depositing money. I once again tried to get online banking but again was unable to accomplish this. We went to the XXXX branch to remedy this problem. XXXX was most helpful. She found a major glitch where we had to go through the government to get the signature card reauthorized by XXXX standards. This process took a long time ( about 3 weeks or so ). XXXX then entered the necessary information and eventually we were easily able to get access to online banking. The problem I am disturbed about is the lack of XXXX BANK 'S taking responsibility as a business for all of the fees. But for the fact that I could not get online directly related to this " transition '' to their bank these automatic withdrawals would have been seen by me online and the low balance would have been taken care of. I NEVER had this issue with XXXX XXXX, NEVER. Our small business has been tormented by this bank NOT by the branch manager who has work very hard for us but by XXXX and their greedy standards. I tried to find a way to email XXXX but their were only phone numbers of departments who could not help me reverse all of these charges! Someone at XXXX decided to transition our account to the wrong kind that requires a {$5000.00} minimum balance. Never had that type of account at XXXX XXXX. I feel they have been deceitful with the transition of my account to XXXX XXXX. The branch manager was able to credit our account for {$60.00}. We paid {$80.00} total for the " new '' type of bank account management fees. Why are we paying these fees if the transition was supposed to be smooth and no change in our type of account was supposed to occur? No employee at XXXX has thus far been able to reverse these charges. It feel like they read from a script. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer was ever received. Thus, your action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Mortgage

My mortgage was given a forbearance and in XXXX I started calling my single point of contact XXXX XXXX. I called my single point of contact multiple times but NEVER received a return call. I called and left voicemails on the following days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. NONE of these calls were returned. I also left vm on her direct line of ( XXXX ) XXXX. I finally was able to reach XXXX when she randomly answered the ( XXXX ) XXXX phone number on XX/XX/XXXX. When I challenged her on when she supposedly called me, I was told " Oh we are not playing that game! '' Then I was put on 15min hold! This is unacceptable to give me a single point of contact who never returns calls. After speaking with XXXX she told me she has no way to check voicemails. Even if that is the case, a message was left for her by XXXX XXXX on XX/XX/XXXX to call me. He told me she had 24 hours to return my voicemails. I also told him to report if the IVR systems was having issues routing calls that needed to fixed. I am documenting this because on XX/XX/XXXX I was locked out of my account and now can't make payments. This was never disclosed to me. The delay in her answering my calls has made it difficult to understand what my options are to resolve this. I received a letter saying I had been approved for workout plan, but I don't know the details of that " workout ''. I was able to make 2 payments in XXXX XX/XX/XXXX & XX/XX/XXXX. I submitted documents on XX/XX/XXXX to the loss mitigation email and didn't receive any phone call in 3 days as your policy states if something is missing. I have emailed loss mitigation email and also the Shellpoint portal, no response. On XX/XX/XXXX I spoke with XXXX and she was submitting me for a deferment- why this wasn't offered back on XX/XX/XXXX? I had to make 3 payments + fess ( she couldn't tell me the amount of the fees! ) She told me I wouldn't get a second chance and that when she called, I need to make the payment! I received NO update on that deferment from XXXX or Shellpoint. On XX/XX/XXXX I got a letter in the mail saying I owe {$12000.00} by XX/XX/XXXX or Foreclosure and that I need to call their office before I send payment. I again called on XX/XX/XXXX ( 3 voicemails left and sent emails ) XX/XX/XXXX 2 more voicemails. I have repeatedly asked XXXX for a Foreclosure date and told she doesn't have that. When I called on XX/XX/XXXX I was told I wasn't near foreclosure and not to worry. THIS COMPANY IS COMPLETELY UNETHICAL!!
Product: Credit reporting or other personal consumer reports

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and Transunion, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of 2023, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of 2023, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX ) method of verification ; because I dont believe the investigation Is being conducted in good faith. MIDLAND CREDIT MANAGEMENT - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't remember giving my authorization to this company to get a loan
Product: Credit card

I am writing with regard to two fraudulent transaction charges that took place without my permission in connection with my BOA credit card end with XXXX. XXXX transaction took place on XX/XX/XXXX  with the amount of {$86.00}, and the other transaction took place on XX/XX/ with the amount of {$10.00}. 
What happened is that I lost my BOA credit card end with XXXX on XX/XX/. I did not realize my credit card was lost until I received text messages and emails from BOA alerting me that there were suspicious credit card transactions and asking me to reply YES or NO to either approval or deny those transactions. I immediately replied NO to deny those transactions and called BOA credit card customer service right away to report the loss of my credit card as well as report the fraudulent transactions. BOA customer services were able to close the lost credit card for me and filed claims for the two fraudulent transactions mentioned above. On XX/XX/, my BOA online banking shows that a credit of {$86.00} and a credit of {$10.00} were temporarily available while they were trying to resolve the claims. However, those credits were removed on XX/XX/ after they resolved the claims. I feel very weird and upset. I called BOA customer services and they told me that the claims have been resolved but they had no information why the credits were removed. 
I feel extremely unfair, because I did deny the two fraudulent transactions that took place without my permission by replying NO through text messages right after I received the alerts. I did all I can as a consumer and victim of the stolen credit card to avoid fraudulent transactions, but BOA still did not refund me the credits. I hereby request BOA to refund me the credits for the two fraudulent transactions which is a credit of {$86.00} and a credit of {$10.00} respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information with all three credit bureaus, XXXX, Experian XXXX XXXX XXXX, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that Utah XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

XXXX will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.
Product: Mortgage

Guaranteed Rate Affinity refuses to provide me with an updated closing disclosure which I have a right to bylaw. 
XXXX XXXX has been my point of contact for the mortgage lending process with this company. The company seemed to operate quite efficiently especially when dealing with various members of the company such as XXXX XXXX and XXXX XXXX. These individuals would requestdocumentation and I would provide the documentation in a timely manner making the process efficient and painless until it wasn't. Everything was well until the closing disclosure. 
On Tuesday, XX/XX/XXXX, I received an email alerting me to anactivity as part of my to-do list that was sent from XXXX. After opening it the next morning ( didn't know it was time sensitive ) and noticing the incorrect and missingformation, I immediately alerted XXXX and XXXX via email at XXXX. I then followed up with another email at XXXX, with questionsfor items that did not make sense such as HOA fees when there are no HOA fees. Although those questions have remained unanswered, XXXX did respond and acknowledge that the corrected/updatedCD would be sent that day. Needless to say, I did not receive the updated CD that day or any other day since, and closing/settlement is scheduled for tomorrow - Monday XX/XX/XXXX which was pushed back as a result. Additionally, I did ask whether Settlement could be held on Saturday, but XXXX and XXXX stated ( via email ) that the Title company did not operate on Saturdays and that it has to be a weekday. However, the title company was available on Saturday, XX/XX/XXXX, to conduct settlement, but it was GuaranteedRate Affinity did not want to " operate '' on Saturday. In the end, all parties had no choice but to wait to hold settlement on Monday, XX/XX/XXXX, which resulted in Guaranteed Rate having more than enough time to correct and send the updated CD before the weekend. 
On XX/XX/XXXX, I made one last effort to reach out to the company via email and included the company 's Regional Manager, XXXX XXXX and I have not received any of my documents or communication acknowledging my requests as well as my recent email. I was told by my realtor that the Title company received the updated CD, but I nothing has been sent to me and I need to ensure that I have no questions and the missing information has been included. I'm left to wonder why the company is purposefully not providing me the documents and I am seriously questioning the integrity. This is horrible and sad and I'm beyond frustrated. I just want what is expected ... ..correct and updated documentation provided in compliance with state and federal laws as well as company policies and procedures. I'm hoping that this email can prevent this from happening to anyone else.
Product: Credit reporting or other personal consumer reports

My account with TOMOCREDIT was never late! I have had exceptional payment history witH TOMOCREDIT and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TOMOCREDIT Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXXXXXX XXXX {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The month of XX/XX/2023 I didn't have any inquiries on my credit report well on XXXX XXXX of 2023 there were XXXX inquiries added to my credit report and I immediately called the companies and let them know that I didn't apply for any of the inquiries that were listed on my credit report. I immediately filed a police report about the inquiries on my credit report and I mailed them off to each creditor which they have failed to remove the unauthorized inquiries from my credit reports and this is why I'm submitting a complaint.
Product: Money transfer, virtual currency, or money service

I am right to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlight and significant issues with the platform The despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPBs findings Indicate that Zelle has not only neglected to protect customers, but also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is understandable and raise serious concerns about consumer safety