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

I when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Checking or savings account

Chime has had a hold on my card for {$300.00} they said it would be released within 7 days, but have yet to release the funds to me. Ive tried contacting them over 6 times and have gotten hung up on 4 times because they are unwilling to help or release my funds within the timeframe they told me.
Product: Credit card

XX/XX/ I accidentally used my Truist credit card to with draw {$100.00}. I meant to use my debit card at the Truist ATM. So I saw on my bank app that I accrued a {$0.00} penalty. I paid the {$100.00} on XXXX The next statement XXXX had an additional XXXX fee. Which I paid XX/XX/2023. However I did call to inquire after getting the {$0.00} charge in XXXX they said it was an interest charge. But the statement indicated it was a fee. Then XXXX statement I had another {$0.00} fee. I called again XX/XX/2023. She said the interest rate was 30.2 % on cash advances. I asked her to clarify this. She said I owed {$30.00} on the {$100.00}, despite the fact I paid it off within 3 days. They said I was still paying interest fee against the cash advance. Even though the statements indicated that I paid everything off in full. The manager couldnt explain to me how many more times I would be getting XXXX monthly fees. She said she would send me the supporting documentation that what Truist is doing is in the contract. She offered to try to get one month {$0.00} fee waived but that is all she could do.
Product: Mortgage

On XX/XX/XXXX, I notified the lender of an error of what was being billed in my escrow account. The lender estimated my taxes at twice the amount. Also stated a payment was due to the tax company that did not exist. And also raised my monthly payment. I have spoken with several agents, and members of leadership to work to get this resolved. I also contacted my states county regarding the tax bill and it has been almost 30 days since my request was submitted to the mortgage company and the request has not been completed. When I call the company they feed me different stories and ultimately hang up without resolution.
Product: Checking or savings account

I opened a checking and savings account account with Laurel Road in late XXXX XXXX. Since that time, I've added a payroll direct deposit, and started transferring money into this account to use as my primary account. 

This week, I made the final transfer from my previous bank into this account, and expected to log in and start setting up bill pay. 

However, my account access has been locked. 

I spoke with Laurel Road twice today, and the person told me they had no idea why my account has been restricted, they have reached out to another department, but they didn't know how long it would take to resolve. They also said I couldn't contact that department directly. 

So, what is supposed to be my primary bank account is locked for an unknown reason for an undetermined amount of time. 

After doing some research online, and seeing the number of people who have also faced this issue, I figured I would just report to CFPB.
Product: Vehicle loan or lease

FINANCED A VEHICLE VIA WELLS FARGO, AT INCEPTION THE PAYMENTS SHOULD HAVE BEEN DEBITED FROM CHECKING ACCOUNT. ACCOUNT INFORMATION WAS PROVIDED SEVERAL TIMES A MONTH. PAYMENTS WERE NEVER DEBITED WHICH RESULTED IN LATE FEES AND NEGATIVE REPORTING TO CREDIT AGENCIES WHICH IMPACTED CREDIT REPORT AND SCORE. CUSTOMER WAS FED UP OF TRYING TO HAVE THEM CORRECT THE ISSUES SO HE DECIDED TO PAY OFF NOTE WHICH RESULTED IN A FINANCIAL INCONVENIENCE.
Product: Mortgage

I am a teacher by trade and had stopped teaching to take care of my elderly parents who haverecently passed. I had contacted my mortgage company PNC to get a equity loan to survive until I could get back on my feet. PNC stated they do not do equity loans and would need to find another institution to help me. To no avail I could not get loan without a job. I had good credit so I took out a personal loan of XXXX. In XX/XX/XXXX.I contacted PNC again to apply for the HARP loan. I completed all the packet and waited about a month. I was told they did not know I lived in Texas and I was disqualified from the program since I had taken cash out for an AC in XXXX, I then was told about the HAMP, but I needed to be delinquent in my payments so this is MAY now and they needed another packet. School is now out for the summer and I needed to completed another packet.I am now delinquent as they asked. The situation gets worse now I am in foreclosure and today they want XXXX to make 3 months current now. Please Help! This is my home and I plan to stay and live here. I did what they had asked and they are not helping, they are trying to take my home from me. 

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

Tried to log into https : //my.equifax.com/ once on XXXX PM XXXX XX/XX/2023 to lift a freeze. Received lockout screen. Called in to remove lock. Used automated system to verify myself by entering correct information stored by Equifax as reported to me by XXXX. Phone system would not authenticate me with any addresses. Got an agent. Agent said there was no phone number on file and he needed me to provide it to unlock my account online. I told him I didn't want him to store it. He said ok. I asked him to send the verification code to my email instead. He said he would not. I gave him my phone number. He said he was sending a link for me to upload my license and take a selfie. I said that using the threat of not being able to unfreeze my account in order to get images, IDs, and phone numbers from me is not legal. He said he required that information. I asked him to unfreeze my account without resetting my login. He refused. Equifax is holding my account hostage in order to get social information from my like images and drivers licenses, not to mention my phone number. I can not apply for a mortgage or credit card without unfreezing my account potentially. No other credit agency has behaved this way to me. This is way against the spirit of CFPB, so I am reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries and a chapter XXXX Bankruptcy listed twice that's not mine and other accounts that are not related top a chapter XXXX and another account or accounts that are not mine and one with the wrong account status. I am including a letter of detailed explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested review of a past statute erroneous debt reported to XXXX   on XX/XX/XXXX. I had already reported this file to the other reporting bureaus and had the report successfully removed from my credit reports. I stated this debt was from XX/XX/XXXX and is past statute. However, the reporting agency simply updated the report to show the same dates as before and that the debt belonged to me. 

I again disputed the result by submitting images of my actual XXXX   bill and other debt collector statement claiming the same debt owed predating the date provided by Waypoint. No notification was sent to inform me that the review was complete. No changed were made by XXXX they simply continue to say the debt is verified.
Product: Prepaid card

An unauthorized charge of {$120.00} was taken from my prepaid credit card and applied to my estranged husbands account. When I contacted the company they said that because the card was used previously on the account, that they are authorized to take the funds. The card was supposed to have been transferred to my new account when I established it a few months ago. I have filed a complaint with American Express and with XXXX, both with no success. American Express said they would contact me within ten days with a response as to whether or not they will return the money, but dispite several calls to them, they will not connect me with anyone in the dispute division. They just keep saying it may take longer than the 10 days. Its been over a month since I first contacted them to correct this issue. Your webpage states that they need to respond within the ten days, or refund the money minus up to {$50.00}. Can you please help me?
Product: Checking or savings account

XXXX  created around XX/XX/XXXX, matured XX/XX/XXXX. I am unable to withdraw the money to an external account. Attempts to interact with customer service on XX/XX/XXXX failed because I was unable to provide a keyword despite having all other account information including my SS number. They will not write me a check. I will probably not be able to resolve this issue before the XXXX  is renewed automatically, which I can not change.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have a loan with CARVANT FINANCIAL LLC. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a XXXX  violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Mortgage

Company in question : Lakeview Loan Servicing ( subservicing by XXXX ) Goal : Obtain documentation from XXXX where overpayment of monthly mortgage is going. 

Issues : 1. From my bank I send {$1000.00} monthly ( fixed amount ). XX/XX/2019 I received an " annual escrow account disclosure statement '' dated XX/XX/2019 which raised questions. 
2. The monthly fixed amount I pay for my mortgage is NOT correctly recorded at XXXX ( see info further below ). They are recording {$1000.00} - {$22.00} less than my actual payment. 
3. I have no idea where the over-paid amount is going. 
4. I can not reach the staff at XXXX. When I phone, a message says they are having " technical difficulties '' with a " one hour  wait '' and to " call back in two hours ''. The web page to submit a written message does not work ( no form, nothing ). There is no other way to reach this company unless I write a letter. 
5. No history of the actual fixed monthly payment amount from my bank ( {$1000.00} ) is documented on the website. 

As I have not checked my account at XXXX in over a year, I logged on. NO WHERE at the site does it record the {$1000.00} ( i.e. payment history, escrow, etc. ). There is NO history of ANY of my monthly mortgage payments ( that I could find ). 

Example : I paid {$1000.00} on XX/XX/2019, but the site ( see below ) shows {$1000.00}. This is a difference of {$22.00} on a monthly basis. 
XXXX Last Payment Received XX/XX/2019 Principal {$260.00} Interest {$490.00} Escrow {$300.00} _____________ Total {$1000.00} =================================== The XXXX   website " payment history '' screen does NOT show the {$1000.00} payment for XX/XX/2019 ( or any date from that matter ), nor the overage payment of {$21.00} ( or where that money went ). 

See example below from the website " payment history '' page. 
================================================== Due Date XX/XX/2019 Applied Date XX/XX/2019 Description MortgageInsuranceDisb Principal {$0.00} Interest {$0.00} Escrow Paid $ -XXXX AmountPaid $ -XXXX Escrow Advance {$0.00} Escrow Balance {$740.00} Principal Balance {$150000.00} ==================================================
Product: Debt collection

This complaint is based on violations of the FDCPA, the FCRA and MGL c.93A of the Massachusetts Consumer Protection Act by the Respondent. 

XXXX On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by Massachusetts law or the FDCPA. 

XXXX On or around XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials required by Massachusetts law for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt. 

XXXX XXXX XX/XX/XXXX, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by Massachusetts law and the FDCPA. 

___ In early XX/XX/XXXX, I received the results of the investigations from the credit reporting agencies, where the respondent deleted the account from XXXX  and XXXX. However, the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to XXXX. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of the section 1681s-2 ( b ) of the Fair Credit Reporting Act. XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they have continued collection activity while failing to validate the debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of 940 CMR 7.08 ( 2 ) and MGL c.93A sec . 2 in that they continued to collection activity while failing to provide evidentiary materials to validate the debt as required by Massachusetts law.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( e ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Product: Credit reporting 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.

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account XXXX XXXX {$380.00} XXXX XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$740.00} XXXX Account XXXX XXXX {$740.00} XXXX XXXX. {$740.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$1100.00} XXXX Account XXXX XXXX {$1200.00} XXXX XXXX {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$0.00} XXXX Account XXXX XXXX. {$470.00} XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account XXXX XXXX. {$1300.00} XXXX XXXX {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3800.00} XXXX Account charged off. {$3800.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX BANK Potentially negative CREDIT CONCEPTS Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX XXXX. 
Collection accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} XXXX XXXX account. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1200.00} XXXX XXXX account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$380.00} XXXX XXXX account. {$380.00} past due as of XX/XX/XXXX.
Product: Credit card or prepaid card

As a result of fraud, multiple attempts to open credit cards in my name where attempted. One card, Bank of America was successfully opened, acct # XXXX XXXX XXXX XXXX the others where halted during the application processes. 
BOA has closed this account as fraud but this credit inquiry still remains as valid on my XXXX report. 
Once I was altered to this fraudulent activity, I immediately contacted all of the credit card companies involved and reported these as fraud. 
As recommended I also contacted all three credit reporting companies in writing to report this activity as fraud. 
As stated the only remaining issue is the BOA account ( listed above ) is still shown on my XXXX credit report as valid. I have contacted them and they directed me to the FTC site to report it as fraud which sent me here. Once this is formally reported as fraud I will send them the documents provided by this report for them to review and hopefully remove this activity from my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns about Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit that highlights serious issues with the platform. Despite being a frequent user of Zelle and reporting transaction discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was impractical. The CFPBs findings reveal that Zelle has not only failed to safeguard its users but has also allowed repeat offenders to exploit the platform, leaving consumers vulnerable to fraud and scams.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been harassing me for over 2 years straight day and night. Calling me at all kind of weird times of the day. They've threatened me over the phone with the outcome of my credit being tarnished. They are unable to provide me with validation of this debt these accounts have been reporting CO for years without validation further destroying my credit report and under. I gave company 30 days to validate this and send over license information they haven't sent over ANYTHING. NEW YORK STATE CONSUMER LAW : XXXX XXXX XXXXXXXX debt collection laws and regulations are among the strongest in the country. A creditor MUST PROVIDE! 

Must provide you with specific information if you ask them to verify a debt that is, to confirm that the debt is valid. 
Must be licensed as debt collectors by the NYC  Department of Consumer Affairs. 
May not call you more than twice a week about a debt. 
Must confirm any settlement agreement with you in writing within five business days. 
Must disclose certain information to you if they try to collect on a debt that is past the statute of limitations. 

They haven't done any of these things. They've made me paranoid about my credit report. I asked them to please provide proof of this debt through a credit agreement or debt validation letter, master promissory note. They only provided me with payment history. This is not proof of agreement nor a validation of ownership. This company isn't even licensed in New York state and NY Consumer Law states unlicensed companies may not collect here. This is harassment and gross negligence on not providing any proof of this account but also still calling and sending me letters after i requested to not be contacted anymore either. this has also been affecting me for to long. 

as a XXXX  resident We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice. Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. - 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : the use or threat of violence ; use of obscene or profane language ; and repeated phone calls made with the intent to annoy, abuse, or harass. 

they also provide these phony license numbers on there website and letters NONE OF THEM POP UP when searched. 

New York City Department of Consumer and Worker Protection License Numbers : ( DCA ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.