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

On Saturday XX/XX/19, I needed to access the funds in my savings account in order to put an offer in on a house. I have recently relocated and am in another state that M & T is not located in. I decided to transfer funds from my savings account into my checking account that I have with another bank that is more accessible. I tried to do so online as the website suggests. However I was unable to do so, the website told me to call customer service which was unavailable on the weekends. On Tuesday morning XX/XX/19, I called customer service and they told me there should be no issue. I was able to get further in the process, however when it came time to actually transfer the money, I got the same error message. The representative that was on the phone with me told me that the company flagged it as fraud because of the amount ( {$1400.00} ), but it should be cleared in a couple days and I can make the transfer then. I let the representative know that due to the nature of the situation, I do not have a couple days. They are my funds and I need access to them at this time. I was transferred a couple more times, ultimately speaking with a supervisor who offered to increase the limit ( to {$2900.00} ) that I am able to withdraw from and ATM so I could access my funds that way. When I asked about the fees from using another bank 's ATM, I was told that they can only waive fees assessed by M & T ( This wasn't offered to me, I had to ask for it ). I then let them know that I was not asking to waive fees, I was asking to be reimbursed for fees I have to pay due to M & T blocking my online transaction. The supervisor said there is nothing they could do about that and transferred me to a manager. The manager also told me that there was nothing she could do because it was not due to an M & T error, the fraud alert was supposed to happen. The transaction I made that caused the fraud alert, was made with the instruction from a representative in the online banking department.
Product: Checking or savings account

My name is XXXX XXXX I'm currently in the hospital and my wife is having trouble with my account she opened on my behalf. Recently she submitted from my account our Mortgage payment in which the mortgage company received and now it's been taken back but the amount that was taken back shows up on my account as a debit for more than my wife orginally sent. Instead of XXXX its XXXX being debited. They refused my wife access to see what's happening. I need some assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I check my credit report to find out that 5 negative accounts and one collection were inserted back on to my report also a total of 11 inquiries. On XXXX XXXX, 2017, i called to get and explanation of why I was treated horribly and as if I was a liar by 2 reps and a supervisor. I offered to send copies of my previous reports and they refused and informed me to file a complaint because they did nothing wrong. I pull the hard copy of my report from XXXX 2017 and XXXX 2017 to make sure I was seeing everything correctly. The account readded were XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. The inquiries that were reinserted were XXXX, XXXX, XXXX, XXXX XXXX,  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Per the FCRA I must be notified within 5 days which has not happen. I have been violated by Equifax and request that these items be deleted permanently and an updated report be sent out.
Product: Mortgage

My insurance company remitted a loss draft payment payable to my self and my Servicer Shellpoint Mortgage. Despite approval issued and almost a year now Shellpoint has not released the funds to me. I have paid for the repairs out of pocket, provided them invoices, allowed their third party inspector to visit our home and take photos and confirm work is complete. The Loss Draft department at Shellpoint has told me in writing that the release has been approved and they simply " dont know '' what the problem is nor when it will be resolved.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by failing to provide transparency and accountability in your collection practices. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and names not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Credit Inquiry Removal Request Dear Sir/Madam, I am writing to formally request the removal of unauthorized credit inquiries from my credit report. I recently obtained a copy of my credit report from your bureau, dated XX/XX/XXXX, and noticed several inquiries that I did not authorize. These are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have previously contacted these companies and requested the removal of these inquiries, as they were made without my consent. However, despite more than 60 days passing since my initial contact, I have yet to receive a response.
Product: Money transfer, virtual currency, or money service

im concerned on how zelle handles disputes particularly in light of recen CFPB lawsuit highlighting significant issues with the platform. Zelle has accepted several claims of not investigating claims.
Product: Credit reporting or other personal consumer reports

I previously disputed several accounts on my Equifax credit report, and Equifax marked them as " verified '' without providing any documentation or proof of verification. I believe this response does not comply with FCRA requirements, as Equifax failed to provide sufficient documentation from the data furnishers to support the continued reporting of these items. Here are the details of each account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX : Marked as " verified '' without any evidence supporting the accuracy of the charged-off balance and voluntary surrender status. I am requesting documented verification. 

XXXX XXXX  Mortgage - Account XXXX XXXX : Shows late payments during XXXX, despite accommodations that should have required reporting as " current '' under the CARES Act. Equifax has not provided verification for these entries. 

- XXXX XXXX - Account # XXXX : This account is reporting potentially inaccurate information. Equifax has not shown any proof of verification in response to my previous dispute. 

- XXXX - Account # XXXX : Contains potentially inaccurate information, yet was marked as " verified '' without documented verification from the lender. 

- XXXX - Account # XXXX : This account has reporting inconsistencies. Equifax has not supplied verification to support its accuracy. 

- XXXX XXXX - XXXX XX/XX/year> : This inquiry was unauthorized, and Equifax has not provided proof of permissible purpose for it. 

I am requesting that Equifax conduct a reinvestigation and provide documented verification for each of these items, or delete them if they can not be substantiated. I believe Equifax 's initial response violates FCRA XXXX XXXX, which requires a thorough investigation and documented verification when items are disputed.
Product: Mortgage

I have tried on multiple occasions to modify my 6.85 % homeloan with Wells Fargo and have been denied for multiple reasons over the years, but mostly because my debt to income ratio is too high. I have no consumer debt only a home.
I am on   XXXX   and have a  XXXX  child. Homelessness would drastically impact my medical care.
I have attempted to modify my loan through Keep your Home CA,   XXXX   XXXX   XXXX   , and  XXXX . I hav e been through their internal modification program no less than 6 times all to be denied help because my loan did n't qualify - not   XXXX   XXXX      XXXX   XXXX  , or FHA.
The last attempt throu gh   XXXX    g ave me a different reason for denial, my Net Present Value was too high.
I owe around  XXXX  on my home and have close to  XXXX  in equity. Wells has decided it would be cheaper to foreclose on my home than to help me retain the 21 years of equity I earned from my real estate investment.
As a  XXXX  woman, I find having to apply again and again to these modification programs only to be denied because of the home equity is infuriating and feels unfair.
Wells sold my mortgage years ago and has no invested interest in helping me. My loan is apparently owned by a holding company in the Far East.
Product: Checking or savings account

Today XX/XX/2021, i received by mail a package fromTD Bank XXXX with checking book, account number XXXX under XXXX XXXX phone number XXXX XXXX : i did not request any opening account at TD bank ; I called XXXX, I spoke with XXXX, and reported fraud activity. I contacted the local bank XXXX XXXX where the account was opened, I spoke with XXXX, he confirmed the account was opened as email request on XX/XX/XXXX, and no current activity reported ; I requested to close the account, and verification of the closing account. 
I called Privacy Assist Services ; they notified me that there is a request for loan under my name for US Small Business Administration for a " beauty salon '', " XXXX XXXX XXXX and XXXX '' with a phone number XXXX XXXX is the name and phone number used at TD Bank, and is the same line of business for the loan request. 
i place a fraud alert on XXXX, with extension to XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a 30 year loan for solar panels with enfin in the amount of {$100000.00} on XX/XX/XXXX. This loan is setup to re-amortize on XX/XX/XXXX since we are expecting a large tax refund to help pay it down. 

In early XXXX their website did not have the required payment amount listed for the first payment when I set up automatic payments, so I overpaid so that I would not miss this payment. On XX/XX/XXXX they applied the first payment of {$390.00} which paid 100 % towards principal. Then they applied the overpayment of {$150.00} to interest only as well. It is not clear if these are following a normal amortization schedule or are somehow one time only payments. I sent a message through their online portal on XX/XX/XXXX asking them to apply the overpayment to principal. They had not responded, so I sent another message through their portal on XX/XX/XXXX. Finally they responded on XX/XX/XXXX saying that interest is always paid first. I'm not sure how that applies since my payments were up to date. 

During this time they also mistakenly double billed me through their website for the month of XXXX, once on XX/XX/XXXX and then again on XX/XX/XXXX, followed by another monthly payment on XX/XX/XXXX all in the amount of {$390.00}. I called on XX/XX/XXXX to ask them to apply this additional payment to principal. First their call center rep told me it is not possible to apply principal payments to an interest only loan. I pointed out that their website showed my normal payments being applied to both the principal and interest, so this is clearly not an interest only loan. Then their customer service rep changed their story and said that they can't apply payments towards principal. I asked them to escalate to their manager so that their manager could apply to it to principal. I was told that I would be called back by their manager, but this clearly did not happen. 

All I am looking for is to be able to send in principal payments when desired. As far as I can tell their website won't allow me to make these payments and their customer service won't either.
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but it remains unaddressed. These entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be associated with my identity, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Delete evictions 15 USC 1637 ( 2 ) 9a ) 15 USC 1681- 15 USC 1681e ( b ) 15 USC 1681s-29 Collections : 15 USC 1692c 15 USC 1681e ( b ) 15 USC 1692g.

Charge offs : 15 USC 1635. 15 USC 1692a Late payment:15 USC 1681 ( 2xi ) 15 USC 1666b .

XXXX XXXX XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} XXXX XXXX  XXXX  Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$1000.00} {$1000.00} {$1000.00} XXXX XXXX XXXX Originally : XXXX XXXX XXXX XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$740.00} {$740.00} {$740.00} XXXX XXXX XXXX Originally : XXXX XXXX BANK XXXX XXXX. Collection Account In Collections XX/XX/XXXX XX/XX/XXXX {$680.00} {$680.00} {$680.00} XXXX XXXX Revolving Charged Off XX/XX/XXXX XX/XX/XXXX {$480.00} {$480.00} {$220.00} XXXX  Installment Account Payment Plan/Redeemed XX/XX/XXXX XX/XX/XXXX {$3200.00} {$0.00} XXXX  XXXX XXXX XXXX Account Charged Off XX/XX/XXXX XX/XX/XXXX {$2200.00} {$0.00} {$0.00} Rental payment history items : XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX Past Due XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$880.00} {$1000.00} XXXX  XXXX XXXX  Agency : XXXX XXXX PLACED WITH XXXX XXXX XX/XX/XXXX In Collections XX/XX/XXXX {$1000.00} {$1000.00} Please let me know exactly which items you want to dispute, and the reason for each item.
Product: Bank account or service

My name is XXXX XXXX and on XX/XX/2016, a check was cashed at CITI BANK Branch. The check was dated XX/XX/2016. Some eight months ago and there was a Police Report issued to Citi Bank clearly stating that there was Identity Theft. Citi Bank ignored all Police Reports. They cashed the 8 months old check and left me with nothing. After many personal visits, phone calls and emails. The bottom line is that I will not recommend CITI to anybody. We even contacted XXXX XXXX CEO, who failed also to reply.No money was returned to my account after many requests.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/98 Complaint Overview : I am submitting this complaint due to inaccurate and misleading information being reported on my credit report by Experian XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve this issue directly with the credit bureau, the inaccuracies remain, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating and correcting these errors. 
Account : XXXX XXXX XXXX # XXXX Key Issues : Late Payments Misreported as Income : Several late payments on my open accounts have been incorrectly reported as income on my credit report. According to 26 U.S.C. 61 ( a ), income refers to gains or profits such as wages, dividends, or other sources. Late payments are not taxable income, and therefore reporting them as such is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors and credit bureaus are required to report information accurately. The classification of late payments as income violates federal law. 
Closed Accounts Incorrectly Reported as Charged-Off : Certain closed accounts are being inaccurately reported as charged-off, despite having been resolved. These accounts should be updated to reflect a status of paid as agreed.

Under 28 U.S.C. 3201 ( e ) and 31 C.F.R. 285.12, debts classified as Certificates of Indebtedness should not continue to be reported negatively once resolved. The current reporting is not in compliance with these statutes.

Specific Actions Requested : Immediate removal of late payments that are incorrectly classified as income from my credit report, while keeping the open accounts active and positive. 
Update of closed accounts currently reported as charged-off to reflect " paid as agreed '' with a positive status, as required by federal law. 
Attempts to Resolve the Issue : I have previously contacted Experian, XXXX, and XXXX to dispute these items and requested verification of the information as per the Fair Credit Reporting Act. However, the credit bureau has failed to correct these inaccuracies or provide adequate verification of the information in question. I am now seeking the CFPB 's assistance in holding the credit bureau accountable and ensuring that they follow federal guidelines. 
Relevant Laws Cited in My Dispute : 26 U.S.C. 61 ( a ) Income does not include late payments or delinquent debts.

15 U.S.C. 1681s-2 ( a ) Furnishers of credit information must ensure the accuracy of reported data.

28 U.S.C. 3201 ( e ) Guidelines for debts classified as Certificates of Indebtedness.

31 C.F.R. 285.12 Restrictions on how settled government debts should be reported.
Product: Debt collection

American Education Services continues to violate the Fair Debt Collection Practices Act applying to the Borrower, XXXX XXXX, which states under 805. Communication in connection with debt collection where XXXX XXXX respectfully requested that after making initial contact advising of a payment date upon a payment ( s ) becoming past due, that no further communication be directly sent to Borrower AND Cosigner. AES claims that the promissory note gives them permission. If it violates an Act set forth in this nation by the people of this nation, then the promissory note should be void of that specific clause. AES has also since deactivated my online use of the account to make payments in an attempt to retaliate against my continuous pleas. 

American Education Services was notified on XX/XX/XXXX via email that the account would go past due by 30+ days, but that the borrower, XXXX XXXX XXXX had every intention of bringing the account current by paying the past due amount by no later than XX/XX/XXXX. AES, in turn, revoked my online access which is used primarily to make payments. 

805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

Regional Collection Service or RCS which it is now known refuses to send me verification of the total amount of the debt I owe. Nor will they send me proof that they received my payment and the balance that is still owed. I do n't feel comfortable making payments on a debt without knowing the true balance before and after the payment. 
Is it legal for them to do this? If not what must I do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that it is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
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 XXXX XXXX XXXX. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

There a couple of addresses on my credit report I am not associated with and I wanted to have them removed from the credit report. Each credit report has different ones that I am not associated with so I will list them by credit bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX
Product: Credit card

I contacted Citibank about fraudulent charges over XXXX months ago. The matter has not been resolved. 

Citibank is emailing me, sending me letters, texting me and calling me asking for payment for a charge which I did not make. 

Unfortunately, my XXXX XXXX decreased by XXXX points as a result of this matter. 

During the last XXXX and a half months I spoken to people from XXXX different departments of Citibank and the matter has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

cap1/wmt is reporting incorrect information. 

-Two year payment history is incomplete -Date Last Active is incorrect
Product: Credit reporting

numberous inquiries placed on credit report that were not authorized. numerous mortgage inquiries were not authorized and also the auto loan inquiries.