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

I received a check for {$20000.00} from sales proceeds in a real estate transaction. The funds were disbursed to me from an attorney handling the closing for us. Closing took place on XX/XX/2018. I promptly deposited the funds into my account later that same day. Thereafter, I left to go on vacation. 

On XX/XX/2018, while in Tennessee visiting friends and family, I went to a local branch for my bank to check on my funds. I learned that my account was closed. I followed up with the bank to try to find out what was going on and I was told that the check I deposited on the XXXX needed to be verified. While on hold, the bank called the attorney who verified the check, and then I was told there was nothing that the bank could do, the account was closed, and that a cashier 's check was going to be issued in about 7 to 10 days to me for the account balance. No reason for the closure was given. 

I returned home to Washington state on XX/XX/2018. I still did not have my funds. I went to the bank and was still told that the account was closed and there was nothing that could be done. I also still had not received by funds. I checked my mail and saw that on XX/XX/2018, the day after I made my deposit, that my bank sent out a letter, post marked on the XXXX, that I could not use my account because it was blocked for not providing information or because of some kind of activity. The bank would not explain what information was needed, if any, or what the activity was. No reason has ever been given for why my account was closed and funds still withheld. 

I had the attorney who issued the check confirm with his bank whether or not the check cleared. The check had cleared. My bank is holding the funds and is refusing to return it to me. A copy of the letter they sent on the XXXX, dated the XXXX, is being uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I filed a complaint with Capital Accounts on the CFPB website. The Companys response was incomplete and, in one instance contains, I believe, erroneous data. I was advised by the Consumer Financial Protection Bureau that the proper way to handle the situation was to file a new complaint to address the three outstanding issues. 
The first issue deals with the XXXX XXXX XXXX that Capital Accounts sent to me. It shows total charges of {$3100.00} with my insurance company ( XXXX XXXX ) paying only {$330.00}. This can not possibly be correct. I have excellent dental insurance through the XXXX XXXX XXXX XXXX XXXX XXXX. Depending on the service provided, the cost to me would be 75 %, 50 %, or free. 
The XXXX XXXX XXXX shows the payments from XXXX XXXX that were made. XXXX would have received an Explanation of Benefits ( EOB ) along with each payment. The EOB would show each line claimed and the amount paid. I believe the EOB will show XXXX failed to submit all the claims. Please have XXXX provide a copy of the EOBs so we can resolve this issue. 
In support of my comments re the levels of benefits that would be paid under my dental policy, Ive attached an EOB and some Pre-treatment estimates. 
Second, in their last response, Capital Accounts stated that they had accrued interest in the amount of {$530.00} but did not provide any details e.g. dates and amounts of the interest charges. Please do so. I would also like a copy of the agreement that I signed that allows me to be charged interest. In the absence of such an agreement, I have been advised that I can not be charged any interest. 
Third, in their last response, Capital Accounts said I have made {$500.00} in payments. Originally I had requested that Capital sent me a detailed schedule showing the dates and amounts of all payments so I could reconcile the payments to my records. They have not done so..
Product: Credit reporting, credit repair services, or other personal consumer reports

when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency.

This is list of all the Hard inquiry.

1. XXXX XXXX XXXX.- DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- -- DATE XX/XX/XXXX 5.XXXX XXXX XXXX DATE XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I Annalisa Telfer filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

Sent ACH with wrong account number because the company XXXX didn't have a simple link to bank system to transfer. Accidentally put in the account number of another bank. Sent it, They stole my money. Didn't return, nothing. Accidentally had a few digits off when I sent my money via XXXX. opened a CFPB case as well and the investigators blatantly lied. I sent XXXX transactions. XXXX was lost because it went to an account not in my name in the photo provided and not returned and XXXX did go into my account I had with them. I explained this multiple times. And guess what, they are so confident they can just keep the XXXX Yep, you put in the wrong account number accidentally? It's our money now. That's garbage business practice. It costs a few $ for a bank to make an ACH transfer which you can gladly charge me to get my $ back. Attached are transcriptions with XXXX. Basically, it could be backwards but at this account and with this trace ID lies my funds that didn't go to my account. Basically sent {$200.00} to the wrong account and then {$200.00} to the right one. Last time, they mentioned this {$200.00}, this is not the amount i'm after, it was a completely different transaction I sent after I realized I sent to the wrong account and I was trying to trigger the account bonus. These messages show the number of my account and the one it was sent to. Please, look into this, and refund me. Could really use this $ that is mine to pay bills and taxes. And looking at the last message, this company is full of it. Maybe I wasn't clear, but it was the {$200.00} transfer that you kept or put in someone else 's account, and i'm short of cash as it is. And you claim it's your XXXX and you can't reverse it. No, it's mine. Another thing, you're telling me as a XXXX you have no security or fraud detection where this would have shown up and automatically refunded because the name and account number didn't match? I highly doubt that. Yes, this is XXXX XXXX XXXX, i'm still after this money and have been waiting and also busy with work. I'm opening again in hopes they're honest this time.
Product: Debt collection

I do not authorize these inquires to be pulled, from my credit report please remove them. 

JPMCB Auto Finance pulled XX/XX/XXXX2024 XXXX XXXX Bank pulled XX/XX/XXXX2023 XXXX XXXX Pulled XX/XX/XXXX2022 ( XXXX  )
Product: Mortgage

Wells Fargo has my interest rate too high. I am owed a lot of money from back pay and school and principal
Product: Credit reporting or other personal consumer reports

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. 
All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. 
The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 

12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine 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 XXXX XXXX XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am reaching out to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite frequently reporting transaction discrepancies, my financial institution and Zelle did not conduct a proper investigation. I was told that recovering lost funds was not an option and that tracking these transaction was not feasible. The CFPB 's finding demonstrate that Zelle has failed to safeguard consumers and has allowed repeat offender to take advantage of the system, leaving users vulnerable to fraud. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I have a parent plus loan that was started in XX/XX/XXXX I had two sons at XXXX XXXX University between XXXX. Starting in XXXX the loans were deferred as both my husband lost our Jobs. We had barely any income. During these years. I started XXXX XXXX in XXXX. I did not take out a loan I was granted a XXXX XXXX. In XXXX I began work and starting make payments again. I understand that interest had to be capitalized during that period. In XXXX is shows that I owe {$65.00}, XXXX to XXXX XXXX XXXX which is incorrect. I never took out a loan at this school. My only loan should be to XXXX XXXX which started at XXXX. See attached history. XX/XX/XXXX shows another loan for {$12000.00} at 8.50 %. I have not idea what this is. I really don't think I should be responsible for this I will try and locate the XXXX XXXX approval but is has been 20 years or so. I appreciate your assistance. Additionally when I refinanced the loan at XXXX. I was given a rate of XXXX payment roughly 400 amount. At this point not really sure I owe that much.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX from Honda Financial Services on XX/XX/XXXX. The lease had a XXXX term and was scheduled to end on XX/XX/XXXX. On XX/XX/XXXX, I sold the car to XXXX allowing XXXX to exercise the purchase option prior to the end of the lease term on my behalf. The attached lease agreement states that I " have the option to purchase the Vehicle at any time. The purchase option may only be exercised by the Lessee. If I purchase the vehicle prior to the end of the Lease Term, the purchase price will be the Adjusted Lease Balance plus any payments or other charges due and unpaid under the Lease and any taxes or fees required by law in connection with the purchase. '' The lease agreement states that a {$350.00} " Turn-In Fee '' will be assessed if " I do not purchase the vehicle. '' The only other mention of the Turn-In Fee is in the section regarding Scheduled End of Lease Liability, which describes what charges will be assessed at the time the vehicle is turned into Honda at the end of the lease. However, this section would not apply since I did not turn the vehicle into Honda at the end of the lease. 

XXXX obtained a payoff quote from HFS on XX/XX/XXXX, in the amount of {$12000.00}, which was {$370.00} higher than the payoff quote that HFS 's website provided me. HFS received the payoff from XXXX and credited my lease account on XX/XX/XXXX. The attached transaction history shows the payoff of {$12000.00} as well as the assessment of a " Turn In Fee '' of {$350.00} and {$28.00} in taxes on the fee. 

In this situation, I allowed XXXX to exercise the purchase option on my behalf. I signed a Power of Attorney transferring ownership to XXXX. As the contract states, " This purchase option may only be exercised by the Lessee. '' It should not matter whether I purchased the vehicle from HFS directly or whether a dealership purchased the vehicle from HFS on my behalf. The Turn-In Fee should not have been assessed. I would argue that this is a deceptive practice and the name of the fee itself is deceptive. One would think that a " turn-in '' fee would apply to turning a vehicle back in at the end of the lease, not buying the lease out early, paying HFS all remaining monthly payments, and the residual/purchase value of the vehicle as stated in the agreement. Further, the lease contract does not clearly disclose under what circumstances the Turn-In Fee may be charged.
Product: Mortgage

XXXX-Called company about a recent was instructed to send my phone number to a specific email-no response XXXXwas sent an automatic reply with instructions on how to email a request for recastsubmitted recast according to the instructions.-no response. 

XXXXsent email asking for an update-no response. Called and inquired and was asked to submit a request in writing. 

XXXXletter send to recast office.-no response. Called again and was told I will receive a letter in the mail in 30 days. 

XXXXNo letter as of todays date.
Product: Credit card or prepaid card

On XX/XX/2022 a charge was made on my Chase XXXX card for {$1300.00} to XXXX XXXX XXXX XXXXXXXX. On XX/XX/2022 an identical charge was made for the exact same amount to XXXX XXXX XXXX XXXXXXXX. I looked through my credit card statements when I received a notification from XXXX that a shipment was on its way to my home address that I did not recognize purchasing. The XXXX tracking showed the same company name, XXXX XXXX XXXX  XXXX, as my credit card account. I immediately called Chase to close out my credit card, and report the charges as fraud. I then also called XXXX XXXX XXXX Photo to make them aware that there were two unauthorized packages heading my way. The customer service rep was able to look up the orders by the credit card number used, and flagged both orders as fraud. I also requested the company have XXXX intercept the delivery, which also required signature. I also told the employees in the leasing office of my building, who are responsible for signing for packages, to deny signing for any packages coming to my address. On XX/XX/2022 I received a notice from Chase bank that only one of the purchases was deemed fraud, because one of the packages was signed for and " delivered '' to my address. Upon looking at the signature, it was signed for by a XXXX XXXX. There is not an employee in my building by the name of XXXX XXXX, nor are there any tenants of the building with the last name XXXX. I do not know anyone by the name of XXXX XXXX. It seems the purchaser intercepted XXXX 's delivery of the product by signing for it at my address. I do not have knowledge or possession of this product that was fraudulently charged to my account. Chase will be adding the balance of {$1300.00} back onto my credit card within 1-2 billing cycles, and I will be responsible for full payment of this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a major error. There are DUPLICATE accounts with the same account numbers on my credit report. The following accounts are 1. XXXX XXXX XXXX ( Act Number XXXX ) 2. XXXX ( Act Number XXXX ) Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix this issue immediately. This erroneous error is detrimental to my overall credit rating and has caused me severe emotional and financial distress. I request that you immediately remove the duplicate account from my report and send me an updated report after the duplicate account is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting an account that went to collections as paid off in XX/XX/XXXX but was actually paid off in XXXX. 

This Collection recording has dropped my credit score again as of XXXX for an account that has been paid off since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.
Product: Mortgage

On  XX/XX/XXXX  I received a response from Bayview Loan Servicers in reference to an Earlier complaint that was filed. The complaint was to resolve 3 issues that Bayview FAILS to correct. Is my next step to sue Bayview Loan Servicer for failure to correct my credit report and provide a mortgage modification per the RULES of FHA and the CFPB.
        1. Bayview claims to be Servicing the mortgage from   XXXX   as of  XX/XX/XXXX . The servicing transfer notice was not sent out until XX/XX/XXXX . This is a violation of RESPA.
The Respa disclosure reads a borrower must be notified within 15 days prior to the servicing transfer - NOT 12 days after.
 XXXX 
2. Bayview fails to remove Me ....   XXXX   XXXX   from the loan, even after providing the proof from  XXXX  dated  XX/XX/XXXX . this is a Violation.
 XXXX 
3. Bayview continues to claim the loan was not modified by  XXXX  yet the documentation provided in the Verification of Mortgage on XX/XX/XXXX  from   XXXX   shows different. This is another violation of CFPB rules.
 XXXX 
4. My mothers name is the ONLY name that should be on this loan again provided are the documents from  XXXX .
 XXXX 
5. Also provided in the modification dated  XX/XX/XXXX provided by Bayview that and emails from   XXXX   XXXX   as confirmation that Bayview will credit all the insurance costs, correct the name error, and provide a new modified loan under the HAMP program.
This was not done yet again.
 XXXX 
Bayview continues the foreclosure process, while Bayview has failed to provide correct information on the new modification. How can a mortgage company foreclose on a home if they are failing to correct the loan and modification.
Product: Credit card or prepaid card

Synchrony Bank CLOSED MY CARE CREDIT ACCOUNT WITH NO NOTIFICATION TO ME! After reaching them today, XXXX/XXXX/XXXX, I was told the account was closed for " lack of activity ''. The " customer service representative '' FAILED TO EXPLAIN WHY HOWEVER, I WAS NOT NOTIFIED OF THE ACCOUNT BEING CLOSED!
Product: Credit card

On XX/XX/XXXX Citibank cashed a check issued to them in the amount of {$11.00}, XXXX from a XXXX checking account. That check was sent through a bill pay on XX/XX/XXXX. Those funds were supposed to be sent to a XXXX XXXX credit card account as I NO LONGER have a credit card with Citibank NOR owe anyone from Citibank any money. I opened my account with Citibank on XX/XX/XXXX and that account was closed on XX/XX/XXXX with a XXXX balance. 

My intentions were to pay off my credit card with XXXX XXXX and I mistakenly hit my old payee account with Citibank 's information on it. My money was taken and cashed by Citibank. 

I have reached out to Citibank more times than I can count and I was told because my account was closed back in XXXX that no one can help me ( more specifically via phone or a human being ). I was informed I needed to write a letter to Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX with a picture of the check ( front and back ) issued by XXXX requesting my money back in full. Two letters have been sent now, the second being certified with a copy of the check. 

Both Citi and XXXX claim it's the other banks fault. XXXX still has an investigation pending but there continues to be zero resolution. I am reaching out for any support, help and or direction on how to get my funds back immediately. I reached out to my state of Maine Bureau of Financial Institutions but they do not have on association with Citibank.
Product: Credit card

called and spoke with ( 2 ) supervisors and was told they could not do anything about the payments being applied to the XX/XX/year> promo and not the XX/XX/year> promo, I asked how I'm supposed to pay off XX/XX/year> promo when they are putting the complete payment on the XX/XX/year> promo, this has been going on for ( 3 ) months. last 3 statements. Next step after this will be to notify local news for story on this company treating seniors this way.
Product: Credit reporting or other personal consumer reports

XXXX has continued to report fraudulent accounts on my credit report after I have already sent in the necessary documents XXXX certified mail. I included everything that was needed which is the FTC REPORT AND MY IDENTIFICATION DOCUMENTS THE FTC REPORT # XXXX ALSO I HAVE UPLOADED IT DOWN BELOW AS WELL.