23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all the information FCRA violations : See ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family MR- XXXX XXXX XXXX XXXX XXXX TX , TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX , TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX , TX XXXX Resident type Apartment complex XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$13000.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$9600.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Account charged off. {$4900.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$7800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$780.00} Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802.

Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time.

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You did not XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I filed a dispute with Transunion in connection with a fraudulent account that was being reported on my credit report. The account was opened fraudulently using my personal information without my knowledge or consent. As such, I filed an FTC Identity Theft Report online. I submitted a copy of the FTC Identity Theft report along with my dispute. On XX/XX/year> Transunion completed my dispute and stated that the identity theft block request was denied because the document submitted does not appear to be a copy of an official valid law enforcement report that can be accepted. However, the form was submitted and downloaded directly from the FTC 's website. There is no other affidavit to submit. The affidavit submitted was absolutely valid and must be accepted by Transunion under FCRA 650B.
Product: Mortgage

I found out today that my escrow account had a balance of {$1300.00} even though I was never late on a payment. 
The PennyMac employee I talked to said it was because PennyMac estimates the insurance and when the insurance premium is greater than estimated, the difference is added to the escrow balance. 
When I stated I wanted the balance to close the escrow account I was told {$870.00} balance plus the new insurance cost of {$2300.00}. 
It appears PennyMac is padding the escrow account. 
I asked several times what interest rate was being charged on my escrow account and did not receive an answer. 
XXXX XXXX
Product: Debt collection

I have a mortgage with Flagstar Bank. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to XXXX for collection even though the mortgages are current and I continue to make regular payments. In speaking with Flagstar several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from XXXX demanding payment even though I have sent an e-mail to XXXX explaining the situation.
Product: Checking or savings account

Chase has a great deal of machines that are old and they refuse to ensure that they are working correctly for the sake of the customers accounts. On XX/XX/XXXXXXXX  ; I went to an atm that was completely out of the norm of the local atms that I use, because I was coming from an event. I deposited {$700.00} first into the atm to cover the negative balance that was tied to my account. I think entered my pin again and deposited {$380.00} to the account to make sure that the additional transaction that was due to hit my account would be covered. At that point I could hear the machine making noise and then I received a message that said " to be sure your deposit went through, please call XXXX XXXX ''. It also stated on the screen that this machine can not give or accept cash deposits. Immediately I called and there was no proof of my deposit on the automated service. So I called the next day to file a claim and they said that it would take 10 business days to for the investigation to be completed, because they were going to count the money in the machine. I asked to speak with a supervisor who informed me that the department that would expedite my provisional credit is closed and I would have to call back tomorrow to speak with another manage to have them to approve the credit. I had to go and take more money out of a different account to cover at least the overdrawn amount. I called back today and spoke with XXXX who is a Gen acct supervisor ; who informed me that Chase has a lock on my account and that I would probably have to wait the 10 days for my money to be released. In the meantime, I have other expenses that will be coming through the account that will be returned due to insufficient funds and would put me in a deeper bind. I received a letter this morning ( XX/XX/XXXXXXXX  ) from the claims department that I didn't understand. So I called and asked to be transferred to a supervisor and was transferred to XXXX who told me that she apologize but they don't show an overage and so my claim was denied. She said that they didn't have to count the atm because they have a report and she refused to look at the camera to see me adding anything to my atm. She said that she don't have to look at it and I can't force her to look at it. She said if I want it don't then I would have to request a subpoena. I ask her if they are just going to steal my money and she blew me off saying that she apologize but there is nothing that I can do about it. I don't have additional money to put into that account and I'm running the risk of my account being closed due to being overdrawn, and I already have money tied up that they refuse to give back to me. This is my hard earned money and I don't feel like it's fair to take money that does not belong to them.
Product: Student loan

Navient failed to advise me of different options other than forbearance! the interest accrued on the loans are more than the original loan provided for me.
Product: Credit reporting or other personal consumer reports

I first mailed in paperwork to Equifax regarding XXXX XXXX. Per the new rule credit bureaus only have 4 days to review your file and make changes. This was on XX/XX/year>. Equifax on XX/XX/year> tolld me they had not received the mail yet and asked me to file it online. I did. I have confirmation of this email. On XX/XX/year>, Equifax sent me an email with XXXX XXXX Case # XXXX informing me that my file was on hold until I turn in the actual certification form. On XX/XX/year> I called and filed the certification form. Since this date, I have called and called Equifax but always given the run around. And then today XX/XX/year> I receive another email titled SECOND notice to return the certification document. How is this? Equifax has had this form since XX/XX/year> and have refused to process it. I would like my forms to be processed immediately. My credit score has dropped tremendously since this company is refusing to follow the law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to contact XXXX, XXXX XXXX and Experian regarding credit validation of an invalid outstanding debt there has been no successful resolution at this time. There appears to have been no due diligence completed in trying to resolve the matter, nor, have I been provided with proof that this debt belongs to me and is legally able to be collected. After contacting the collection agency with a validation request no reply was given and the account was sold. The account was transferred throughout the process several times and I have contacted the credit bureau ( s ) regarding the incorrect reporting of my debt which has harmed my credit, financial reputation and has prevented me from moving forward with very important life events like making my first home purchase and qualifying for better interest rates. After my account was transferred I again requested for validation of my debt and was provided with confirmation on XX/XX/2022 that the account has been closed. Although the date of my account being closed occured prior to the date that the investigation by XXXX was completed ( attached ) XXXX still confirmed the reporting as accurate which leads me to believe no proper steps were taken to confirm the debt. XXXX and experian have yet to update their records as well and have also not validated my debt. Unfortunately, the difficulty of not having this matter resolved timely with proper due diligence is continuously affecting my ability to move forward with important life events and stagnating me financially. The following account has been closed as of XX/XX/2022 and is still be reported incorrectly by all bureaus According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau ( s ) is/are required by federal law to verify. Please take this formal complaint seriously as all necessary documentation has been provided to support my complaint. An immediate deletion is being requested to resolve this matter in full.
Product: Credit card

I have XXXX credit cards with Capital One. I had some financial difficulties and got a couple of months behind on all XXXX cards. 
I called Capital One to make arrangements on XXXX of the cards to pay {$60.00} over XXXX months to get caught up and gave them my bank account info to take the money out automatically. 
XXXX the other XXXX cards, I was able to pay them off in full. I called in to Capital One and made the payments over the phone. 
A few days later, I went online to check that the accounts reflected the new balance and found that each XXXX had a note that say the accounts had been suspended. 
I called in to Capital One to ask what this meant and they said that I could no longer use the accounts but they would remain open and I would still get a yearly charge for them but I could not use them again. 
They did not inform me when they took my money, nearly {$1000.00}, that I would not be able to use the cards anymore. 
Also, when I checked my credit, they reported me for being 120 days late which I was not, and never updated my balances to zero. They are still reporting the old balances.
Product: Mortgage

I have never missed a payment for the house. They send on my statements, its been 1 year they are not applying my payments. This is what they do. They do not help the consumer. I just want the XXXX away from this company, shellpoint. I've been trying to refinance our home for over a year. They have destroyed my credit, so they trap people from this. So many complaints against this crooked company. So many class action law suites. I pray the government will punish them, and harshly sues them hard. The XXXX XXXX XXXX also has a lot of info what this company does to people. Thank you for your time. They also are full of extortion on what they charge people. I paid my own house ins. and flood. total, also property tax. for total, XXXX They, shellpoint, charges XXXX, for the same coverage. XXXX, XXXX XXXX. This is not right. Please help me get away from this evil company ... ..
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX
Product: Bank account or service

I attempted to purchase gas on Wed XXXX XXXX in the evening in a gas station where I always purchase gas. It 's a XXXX gas station ( Route XXXX, XXXX XXXX. NY ) and I use a 'speedpass ' which is linked to my debit card with a Citibank checking account. I have done this for many many years. The purchase was declined several times. 
I knew Citibank sent me a new debit card, so I went home, activated the new credit card, and attempted to purchase gas again on Thurs XXXX XXXX morning. I twice tried the speedpass and it was declined. I tried my debit card at the pump and it was declined. I went into the store and swiped the debit card and it was declined. I had borrowed cash and was able to put enough gas in my car in order to go to work on Thursday. 
Friday morning XXXX XXXX, I went on my Citibank online account. I was able to get online and some of my accounts showed ( a credit card and CD ), but my checking account and savings account did not display. I tried again a few hours later and the same thing. 
I called customer service and was not satisfied and requested to speak with a supervisor. Another person, XXXX, came on the line. She stated that nothing was showing that there was a problem with my Citicard. She told me that emails were sent to all customers that there old debit cards would no longer work if they did not activate the new cards. She told me I should go on the gas station website to see if they were having a problem. I was not satisfied and asked to speak to someone else. She told me she put in a request and I would hear in 2 business days. ( I assume that means next week. ) My complaints against Citibank : 1. They are holding my money hostage. 
2. I activated my new Citicard and it still did not work. 
3. I was stranded and unable to put gas in my car and had to borrow money in order to put gas in my car and go to work. 
5. They cut off access to my bank information online. 
4. They are going to make me wait for days until an advocate calls me and addresses my concerns. 
5. How can they refuse people access to their money because they decided to issue a new debit card???? 
I have been a customer with Citibank since 1969 ( when they were called XXXX XXXX XXXX ), and I am outraged with their bullying techniques in handling customers and their poor customer support when needed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the company regarding this late payment, and they have approved updating the account to " closed/never late. '' The company has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX
Product: Checking or savings account

Iam writuing to file a complaint against navy federal credit union regarding multiple overdraft charges I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent Don findings against nfcu for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I used money gram to send {$200.00} to FLA.to a XXXX XXXX and feel I was scammed by these people, I was contacted by a XXXX XXXX XXXX telling me to send money for my share of winnings on XX/XX/2018
Product: Student loan

I make a modest income and it 's not enough to cover my mortgage and student loans. XXXX private loan already is in charged off status. Navient continuously sent me notifications that I had options if I called them. But when i did the only option i had was to pay my bill normally.
Product: Credit card

I XXXX contacted Chase regarding this issue on XX/XX/2023. 
The issue is not being able to redeem my points via Chase 's XXXX XXXX XXXX portal due to an " Error with your membership ID ''. 
I have points ammounting to XXXX when redeemed towards XXXX purchases. 

Throughout the last XXXX months, I have been calling Chase and spending XXXX of hours on the phone attempting to solve this issue. 
In the beginning, I was repeatedly passed between Chase XXXX XXXX department and XXXX XXXX XXXX XXXX department, both claiming the issue was not on their end. 
Eventually, I got representatives from both departments into a conference call where they spoke and came to the conclusion that Chase has to solve this issue on their end. 
Whether solving it involves them corresponding with an XXXX XXXX XXXX XXXX team does not matter to me, as I am unable to get in touch with the correct people and do that work for them. 
Chase is the XXXX responsible for fulfilling their promised card benefit offering. 
After the conference call, I began to be able to get Chase to believe me that they had to deal with this issue and throughout the last XXXX months, I have been promised XXXX times that I would be contacted with a resolution in " XXXX business days ''. 
After they did not call back the XXXX time, I was told on XX/XX/XXXX that nothing had actually happened and the representative had not contacted their XXXX XXXX XXXX XXXX. 
It has now been over a XXXX since the second promise of a call back in " XXXX business days '' and I called again. I have been very busy so I was unable to call them with the frequency of the XXXX XXXXXXXX months lately. 
Today 's call informed me that no progress had been made since I was last promised a call back. 
I wanted details regarding this whole situation but representatives have not been willing to explain to a very granular degree, and I was told I would need to obtain a lawyer and subpoena Chase in order to request my account notes. 

As I had been making Chase aware, you can not redeem points towards purchases older than XXXX days, and my remaining valid purchases are dwindling and soon to be XXXX. 
I have been told a manual compensation will be possible, but I was given the same " XXXX business days '' estimate XXXX  with no indication of any changes in the strategy for solving this issue. 
I no longer have any faith that I will be contacted back as a pattern of negligence has already been established.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that my mortgage company reported that I was delinquent on my mortgage payments. This is not true and an unfair reporting as a new customer. I never asked for XXXX XXXX to buy out my loan and they have had zero communications with me about any changes in due dates and such. They only sent me a letter stating they had purchased my loan. After setting up my initial account, I continued on, assuming that the due date ( XXXX of each month ) would stay the same as it was with my previous company. I have never had any issues with late payments in the past ( ever ) and my report proves this. I have only had issues with XXXX XXXX After months of issues and late fees, I was curious as to what was going on. I contacted them, speaking with someone about the issues. I was told the due date was the 1st of each month. My ( previous ) normal due date the ( XXXX ) was now the ( 1st ), which made it show I was late. Auto pay will not pick up on this change, Thus showing I was late far later than I would have been with my last company ( XXXX Mortgage ). I spoke to someone about the due date, I was denied a request to have it changed. I contacted XXXX about this and requested an official review from the website. Spoke with someone about expediting the process to have it removed from my credit report and my response was it will take about a month for a response. This has already affected my personal credit report which WAS outstanding. My score has dropped XXXX points, all because of communication issues with XXXX. Keep in mind this is from a single payment, not a delinquent account months behind. Very unfair...