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

I opened a 12 month CD with BMO Harris Bank on XX/XX/XXXX. The next day I saw the {$1000.00} leave my XXXX XXXX  account. I called BMO to request the following : 1. Verify how long it takes an ACH transfer to post. Three different reps gave different answers with the longest time being 30 days. 
2. I asked how long the grace period was to add additional funds. The first rep didn't know and one other rep said 30 days. If it takes 30 days to ensure my original transfer safely posted to my acct, why would I send additional funds before confirming this? 
3. I asked to add my son as a beneficiary. The first rep said I was out of footprint. The manager I spoke with last told me they needed to send a form that I had to notarize and send back. But I decided I didn't want to proceed further with the acct after the experience I had with the bank. I was on with the first rep for over a half hour and she was difficult to work with. She dumped me into the sales queue. When the rep picked up, I told him what was going on and he was already gone, disconnected the call. 
4. I called a second time and spent 20 minutes with a rep who seemed to have difficulty connecting me to a manager when I requested to speak with one.

5. I called a third time and after 15 min, finally got a manager on the line. He had trouble answering questions and kept calling over to sales. Then when he came back he said he couldn't authenticate me and I would need to send in a notarized letter and copy of my license. The issue here was the account had not funded yet ( thus, the original call ) and I couldn't verify a transfer posting. 
Before I knew how poorly this would go, I initiated the {$1000.00} ACH transfer on XX/XX/XXXX. I want this transaction closed and funds issued back to me.
Product: Credit card

Multiple emails went back and forth with vendor on dispute ( can provide emails proof ). The booking was cancelled after I tried to change the guest name from my 3 month old childs name to my own ( I had made the guest name error on my end ). The vendor canceled the booking when I just wanted to change name, which was how they instructed me to process the name change ( I have proof of this ). 

I booked a hotel stay on XX/XX/XXXX via XXXX XXXX  ( serviced by XXXX  XXXX party ) for a stay from XX/XX/XXXX to XX/XX/XXXX. I accidentally placed the booking under my infant sons name ( XXXX months ) name. I called their customer service line XXXX to request a name change and I was prompted with the response : You must cancel to rebook under a different name. I have a video recording of this. Given that my receipt explicitly states the following : The booking can not be changed or canceled, I believed that submitting a cancellation request solely to correct the name would not be an issue considering the vendor instructed me to do so. The request to cancel also included a note stating not to cancel unless a refund would be issued. 
Despite this, the vendor canceled and failed to reinstate my booking or refund my stay. After XXXX months of back and forth I submitted a dispute ( can provide emails documenting this ) with my Chase/XXXX  card ending in XXXX. Chase informed me via phone call on XX/XX/XXXX that they could not process the claim because the vendor still had the opportunity to provide service, as the booking dates had not passed. Now that the dates passed and I spoke to Chase over the phone on XX/XX/XXXX morning. I proceeded to submit another dispute with Chase this morning, but am also submitting a complaint with the bureau to aid in my Chase dispute with the vendor. 

NOTE : Chase dispute number is : XXXX
Product: Credit card

On XX/XX/2023, I placed an order with XXXX for two products : an XXXX XXXX XXXX motherboard and XXXX XXXX XXXX, to be delivered on the same day via XXXX XXXX XXXX. After a three-day delay and no updates, I sought a refund from XXXX, but they declined and provided no delivery details. XXXX XXXX also denied sharing information with XXXX customers, redirecting me to XXXX. Consequently, I filed a dispute with Discover Credit Card, which was initially resolved in XXXX 's favor due to insufficient documentation. Surprisingly, XXXX later agreed to issue a refund within a week, but after two weeks of silence, I resubmitted the dispute to Discover Bank with a saved chat transcript promising a refund from XXXX. Despite this, the dispute resolution again favored XXXX. XXXX 's documentation only asserted their refusal to accept a chargeback without significant evidence. Additionally, there have been local issues with XXXX XXXX, often delivering to the wrong buildings due to complex road layouts. XXXX 's proof only included a photo of the box, lacking precise delivery location details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Instituted credit freeze at Transunion 2 years ago. Bought a new car from a manufacturer that used Transunion and was unable to unlock report. Transunion unhelpful in getting report unlocked. Almost like I was being punished for locking my credit file.
Product: Debt collection

I recently saw that a debt collector ( XXXX XXXX XXXX ) is reporting a debt of {$490.00} on my credit report. This debt is over 7 years old. I have not contacted the debt collector or made any commitment to pay this with them. This debt is from 2014. I contacted the original creditor ( XXXX XXXX XXXX ) And they stated " That they stopped collecting on their debts and have removed all negative marks from any and all of the credit bureaus a long time ago. This mark should not be on my credit report and is incorrect reporting.
Product: Mortgage

I recently filed complaint number XXXX in regards to escrow amount that should be XXXX because my husband is exempt from property taxes as a XXXX veteran. This was closed after the company responded that they need a XXXX tax bill showing that {$0.00} is owed. The county where I live will not generate a XXXX tax bill until XXXX. I have submitted multiple times the letter sent by the XXXX XXXX, Va XXXX of XXXX that states he is exempt for the amount of the assessed value of the home and it states that value will not be reassessed until XXXX. The XXXX XXXX, Va XXXX XXXX XXXX XXXX staff have told me on multiple occasions this document is sufficient for mortgage companies and no other documentation has ever been required in order for a veteran who earned this exemption to receive this benefit. They continue to not adjust the monthly mortgage payment to reflect this status. I have no intention of paying into escrow until XXXX when they are going to incorrectly figure my refund and I have to continue to complain to this entity. I would like assistance in having my mortgage transferred away from this dishonest company.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XX/XX/XXXX I incurred medical expenses not covered by insurance.

About XX/XX/XXXX I settled with the collection company for medical providers and paid in full. It was agreed that the amount paid would satisfy all outstanding debts.

XX/XX/XXXX Commonwealth Financial of Pennsylvania purchased this debt and reported to my credit without contacting me. I received no letter, email, or phone communication from them. Is it legal to purchase debt that has been paid in full? I don't think so. They are claiming debt for the full amount of the original debt which was settled and paid. 

In any event, it is past the statute of limitations in Colorado. 
I was not given opportunity to dispute the debt with Commonwealth Financial which violated Credit Law. 

They reported to my credit on XX/XX/XXXX and damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING SERVICES IS NOT IN COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT! I SENT EWS A DISPUTE LETTER ON XX/XX/2018. REFLECTING ALL 3 NEGATIVE FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF. EWS RESPONDED TO ME STATING " THAT THE FOLLOWING ACCOUNT WAS VERIFIED '', BUT THEY HAVE NO PROOF OF THE ORIGINAL CONTRACT, OR 100 % ACCURACY FROM WHAT THE RULES AND REGULATIONS STATE WITHIN THE CONFINES OF THE FCRA LAW. YOU ARE NOT ALLOWED TO TARNISH MY NAME, REPORT INACCURATE INFORMATION, THE REPORTING OF THESE FRIVOLOUS OR FRAUDULENT ACCOUNTS IS AFFECTING MY CREDIT WORTHINESS AND I WILL TAKE FURTHER LITIGATION AGAINST THE COMPANY EWS!
Product: Student loan

Student loans have been in repayment and IBR for 10 years. Nelnet became the servicer earlier this year. 

I applied for SAVE and have been waiting for over two months. Now I am told that the status is incomplete and is pending a payment. 

After waiting for long periods of time, I was told by Nelnet that I need to pay a {$5.00} fee to continue with the transfer process to SAVE. I never received a letter or email regarding that. However, I did as suggested and paid {$5.00} online. However, it was just applied to the loans and no status changed. 

Second long call to Nelnet, and they told me to call back today as some department had closed for the week and they could not change the payment status. 

It's frustrating that there is no way to process this {$5.00} fee, which I was never notified about in any way ( no email or letter ). It creates unnecessary delay. Meanwhile they are applying {$50.00} or more every day in interest. 

Need some sort of action to resolve this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian has violated my federally protected consumer rights with the below negative accounts. 15 US Code 1681 states I have the right to privacy and confidentiality and that a consumer reporting agency can not furnish an account without my written permission or instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

this is second time i write about wells fargo business account other answer was ridiculous. and in no way resolved issue. i resent spending my time like this. 
i again got feed on my business accounts WHEN IN XX/XX/XXXX i opened it up promised 6 months no fees on businesss accounts. i am closing all accounts later this month. i am tire dof the mishap this is why the account is not funded and will not be since wells can not keep a promiseplease credit the fees asap and make sure it does not happen this month i am leaving this month i asked for one year i did not get it which is why its not funded GREED GREED
Product: Credit card or prepaid card

As of 2 weeks ago. My account was charged {$200.00} by an ATM. I never received said {$200.00}. The ATM said my account was not charged but it was. I then contacted Bank of America and they said they would look into it. A few days later my account was closed by the state of Nevada. I then contacted the state of Nevada unemployment. I sent off what documents I had to. Bank of America has also sent off what documents they had to according to them. Yet my account is still closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This item was to be deleted from my report. My submission to the CFPB was apporved for this item to be deleted and to date it has not been deleted.
Product: Credit reporting or other personal consumer reports

I was trying to make my XXXX mortgage payment before the 30 days. On XX/XX/XXXX I was trying to utilize the online payment feature. That is how I make all my payments. I got a notification that the website was down and would not be available until XX/XX/XXXX. I have a screenshot of the notification. In return I got a 30 day late on my credit. I opened a dispute. I can not put a statement on it, and it will not let me attach the screenshot. They marked it verified and accurate, without my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 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

I sent letters to Experian on XX/XX/year> asking them for a reinvestigation for the completeness and accuracy of my accounts on my credit report. They didn't update or modify my accounts on my credit reports. according to 15 USC 1681 I5 that's a violation.
Product: Debt collection

Equifax reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character 2. Negligent Non - Compliance 3. Civil Liability 4. XXXX XXXX 5. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 DID YOU FILE A 1099 c?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file and listing incorrect payment history ( late payments ) without my permission is a consumer law violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are accounts opened that are either not mine or reporting incorrectly in the negative. There are several unauthorized hard inquiries that I have no knowledge of nor did I give consent for that either.
Product: Checking or savings account

On XX/XX/XXXX we wrote a check for my nephew 's wedding {$5400.00} # XXXX. On XX/XX/XXXX Santander cleared that check. On XX/XX/XXXX they cleared it again using a made up check # XXXX no image on the statement {$5400.00}. On XXXX XXXX I found this error when balancing this account. I called XXXX at Santander XXXX XXXX. XXXX said she would have her research team look into it. XXXX told me in XXXX that the transaction was from XXXX XXXX still not reversed. Approximately in XX/XX/XXXX I called XXXX I said I still didn't see the reversal after balancing XX/XX/XXXX and she said she would contact her team. This past Monday XXXX XXXX I was talking to XXXX XXXX XXXX from Santander and told him I didn't know if my money had been refunded. XXXX had XXXX call me. XXXX was sorry for not getting back to me. XXXX then told me her team couldn't resolve this and that we could file a fraud complaint together.Even if this had been resolved I was probably going to alert you to this transaction. Thanks XXXX
Product: Debt collection

XX/XX/year> - {$180.00} - I contacted debt collector to provide me with a copy of any signed contract by me and they didn't send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was due to Self Lender credit app, which I have auto payments activated and two forms of payment set up. Primary form was my bank account ( routing number and checking account number ), and the second form way my debit card directly linked to this bank/checking account. The auto paid amount declined, which I later realized it was due to my putting in the incorrect bank information, and my debit card ( my 2nd form of payment ) was never tried. It was immediately declared a missed or delinquent payment and dropped my credit score around XXXX points. Ive been building my credit score for years m, working very hard and had successfully went from a XXXX to a XXXX, which took over two years to get accomplish. Then with this one missed payment, which I manually had to pay upon swing the dramatic score drop and realizing something had gone terribly wrong, erased an entire years work of credit building. Im a single mom, who doesnt receive court ordered child support and I work full time. Im trying my best to get a home for my son and I. But now, I dont even qualify to have a conversation with lenders such as XXXX because my credit score is below their minimum of a XXXX. Had Self used my second form of payment when my first form declined, the payment would have gone through. Theyre supposed to help build your credit. Thats there XXXX. and entire purpose of existing. All theyve done is ruin mine. Please help. Ive disputed time and time and time again to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to request specific information regarding the account referenced below. I am not disputing the account ; I am requesting clarification and verification of the following details for my records : Account Information : Account Number : XXXX Account Type : Credit Card Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account. 
I kindly request that you provide this information at your earliest convenience. This will assist me in understanding the status and history of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/2022 This account was opened without my knowledge. I've tried reaching out to company and pleading my case they told me to make a police report which I did and also make a identity theft report with the FTC which I did. Recently I submitted a complaint with CFPB and the account came back as verified with XXXX and Transunion but XXXX came as not verified and was removed from report
Product: Checking or savings account

On XXXX XXXX at XXXX XXXX  on the Wells Fargo app I was using on my phone. Comes to find out when, I logged in on the app. That my checking and saving accounts was close for no reason. When I have a direct deposit setup in my checking account.This issue been an on going situation with the people behind Wells Fargo on my bank account.I would like to proceed this matter further. You can contact me at the above information provided.
Product: Student loan

Navient h as a 90 day late payment on my credit report that should not be there. I had contacted them several times about deferring my loan, which I was told happened in  XXXX  of  2016.  I now see a 90 day late payment from time frame  XXXX   2016    to  XXXX     2016.   This is effecting my credit by about  XXXX  points, keeping me from buying a home.
Product: Money transfer, virtual currency, or money service

I'm writing to express my concerns regarding Zelles handling of disputes mainly in light of the recent CFPB lawsuit highlighting big issues with the platform. Despite using Zelle many times and reporting discrepancies my financial institution and Zelle failed to investigate my claims. They informed me that tracking and recovering these transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect but has also allowed repeat offenders to exploit the system leaving users to be scammed. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see inaccurate accounts appear on my credit report without any warning. I always check my report regularly, but this time, unexpected errors just showed up. I refreshed my browser hoping it was a temporary glitch, but nothing changed. These inaccuracies stayed on my report, and I felt helpless. Im asking for a thorough review of the documents Ive provided so I can finally put these concerns to rest.
Product: Mortgage

Through a clerical error which led an insurance agent to believe that Caliber Home Loans was an escrow agent for said loan, renewal documentation and invoice for a home insurance renewal policy was sent to Caliber instead of borrower.

Caliber was aware that they were in possession of the renewal invoice, but withheld that information from the borrower. Caliber failed to notify borrower that Caliber had received the renewal invoice, and Caliber failed to notify the insurance agent that they were not an escrow agent for the account. 

As a result, the insurance expired on XX/XX/XXXX. 

The borrower received no notices from Caliber until XX/XX/XXXX. 

Caliber failed to provide the legally required notices under 12 CFR 1024.37 The borrower immediately arranged for new insurance but due to a lapse in coverage greater than 30 days, borrower was unable to continue uninterrupted coverage and a new policy was initiated on XX/XX/XXXX. 

Caliber was sent proof of insurance no less than 5 separate times, but in each case, Caliber failed to cancel the FPI policy within 15 days as required by 12 CFR 1024.37. Further, Caliber continued to make a false statement of fact that no proof of insurance had been received, despite the fact that it had been provided multiple times, including by certified mail return receipt. 

Additionally, Caliber claims that because they purchased the FPI policy, it automatically triggered the creation of an escrow account, which now can not be removed because the mortgage is securing an FHA loan.

Caliber claims that all legal notices were mailed, but can provide no proof of mailing, such as a postal receipt, certified receipt, or return receipt. Therefore, the forced-place insurance policy was purchased illegally, and the corresponding escrow account is invalid and should be removed from the loan.

Borrower continued to make timely Principal and Interest payments on the loan. On XX/XX/XXXX borrower received a Notice of Default from Caliber, sent by certified return receipt for non-payment of the disputed escrow charges.

It is the borrowers belief that Caliber willfully and intentionally withheld information from borrower which would have allowed the existing insurance to be renewed without any lapse of coverage. Further, it is the borrowers belief that Caliber did this so that they could purchase a higher-cost forced-placed policy in order to force the borrower to escrow insurance for the remaining duration of the loan, require additional payments each month, to be kept in an interest bearing account for which Caliber retains said interest.

Borrower has had numerous discussions with Caliber over the past six months, but has received no satisfaction, and will be initiating legal action if the matter is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX and Equifax have 30 days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :