23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am done with this company and trying to reason with them. The next correspondence they will be receiving will be from my Attorney and a subpoena to appear in court to explain why they had added three additional collection accounts that are showing as being in an active and open and collectable status with owed balances on my credit report and that they had all been submitted to the credit bureau last week. This makes it a violation of all bankruptcy and debt collection laws because this company has already been fully notified and completely aware of my Bankruptcy status and filing beforehand. Yet, they still made a conscious decision to report them even after being notified of my bankruptcy status. The Bankruptcy court is going to have a field day with you and hopefully make an example out of you for other collection companies like yours will think twice before willingly violating a direct court order and also violating an active STAY as well. I have nothing left to say about this to you and now you can give your line of XXXX  to the Federal courts and let 's see what they have to say about your delusional reasoning as to why you blatantly have decided to violate and disregard their orders and continuing to do so even after I have made you fully aware of the situation on three separate attempts. SO you can't go in and act like " you didn't know '' or that " you had no idea '' that I was in Bankruptcy and with an ongoing and active Stay as imposed by the court. By the way, I have included an excerpt of my credit reports for you to see for yourself. The first report dated XX/XX/2023 does not have the three additional collection accounts on it. The one dated XX/XX/2023 does have the three additional collection accounts on it. So somewhere between last month and this month you added three additional accounts with balances owed. You also did this after already knowing of my bankruptcy status and it was just recently done. How do you not see that you are in complete and blatant violation of the law by doing this after the fact? You will lose in court when it ends up there which is the very next step in my intentions with you. The proof is right there in black and white print attached to this complaint. See for yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children.The following items are appearing on my credit report as a result of being victimized I am requesting that these items be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago and tried disputing directly with credit companies. Please help me with this matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2016
Product: Credit card or prepaid card

on XX/XX/2021, I purchased several items on XXXX 's website. When I checked my bank statements at CapitalOne, I found that I could not recognize one of the transactions from XXXX 's which is {$32.00}. 

All of the purchased items and prices are listed in payment details in XXXX 's Confirmation letter. and all of the transactions from XXXX XXXX are listed in CapitalOne Bank statement. But, they don't agree with each other. There is {$32.00} difference. 

I called XXXX 's but they didn't want to take care of the misconducted transaction. I disputed with Capital One but they didn't give me the option to upload evidences and closed the case immediately.
Product: Credit card or prepaid card

I have had a Cerulean card by XXXX XXXX for two months now. The first month I tried to make a payment ( the card had an automatic {$99.00} balance ) I was not allowed to make a payment online. I called in and made a payment by phone and was told they would wave the {$10.00} charge for making payment by phone. so next payment is due XX/XX/2020 Again tried to make a payment and was given the same error message as the first time. ( Error 3811 Credit Account not Authorized to use this application for ACH. This account is marked as unauthorized. Please contact customer support XXXX. ) I call customer support and try to make a payment via the phone system. I enter my banking info and then I'm transferred to customer Service. I'm told that they would wave the {$10.00} fee this one time and then I thought the payment was made ... received an confirmation email and everything. The funds are still not out of my bank account and I got an email from the credit card company say that my payment was declined. There is no activity at all in my bank statement and the bank said that they did not receive a request for payment. I just want to be able to pay my bill, should not be this hard.
Product: Credit card or prepaid card

Citi bank mastercard was charged {$940.00} in a 30 day period from XX/XX/XXXX to XX/XX/XXXX a total of 5 charges totaling {$940.00} from all from XXXX. This should of been flagged as fraud as we do not and have not used the card in over a year and have a perfect payment history on the card dating to XXXX. We called citi and my wife got a customer service rep in an overseas call center who could not speak clear english and kept reading a script to her. He would not give an operator ID and would not escalate the call. He advised my wife to make a payment on the disputed charges " to protect our credit '' on fraud charges that were being disputed. I called the same day and got an overseas customer service rep and requested the call be transferred to a US based customer service rep. The first customer service rep ( US Based ) also refused to give name or operator ID, when I said I would file complaint with the CFPB, State Attorney General and the FTC, at that point the call was transferred to a Credit Manager by the name of XXXX, Team ID XXXX, XXXX took the info and confirmed that the charges did not match the account history and placed a high priority on the account to the fraud department. I can get no time line and would not of received the service if I did not state I would file a formal complaint with the CFPB. A major concern was the attempt from Citi overseas based CSR to collect on a disputed and clearly fraud charge " to protect our credit ''. This is a violation of the FDCPA and card holder agreement. It should not require a threat to a company like Citi on a clear disputed fraud charge to do the right thing and transfer the call to a level appropriate with the complaint. The charges have not been resolved to date and no date given to resolve. XXXX stated he would monitor the account and agreed the charges were not in line with account history or activity in 20 years it has been open.
Product: Student loan

On XX/XX/year> and XX/XX/year>, automatic payments ( ACH ) were deducted from my bank account ( {$240.00} each ) by Mohela. After contacting Mohela several times by phone and portal messaging, they denied receiving the payments and marked my account as past due. I provided legal documentation from XXXX, proving my payments were taken both times. Mohela refuses to return my calls or respond to my portal messages. My account still shows past due for the amount of {$100.00} and XXXX of my loans are marked delinquent. I have now been contacted by the U.S. Department of Education saying they have been notified that I am past due and it will be stated as such on my credit score/credit history. Call wait times for Mohela take over an hour and each representative is incapable of resolving the issue. At this point in time, I consider their actions to be theft and their refusal to correct their mistakes have created undue financial consequences for myself.
Product: Mortgage

Applied for financing a new home. XX/XX/XXXX Submitted all documents for a loan with XXXX XXXX Mortgage Loan Originator NMLS # XXXX TEL ( XXXX ) XXXX MOBILE ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXX Asked whether I was approved and told via text that I was and on XX/XX/XXXX that an appraisal was due. On XX/XX/XXXX was told no appraisal and that by loan officer XXXX she would order a new report of appraisal. Via text on up to XX/XX/XXXX I am told that no appraisal has come but now the builder, XXXX XXXX will pay for a " new '' appraisal and asked to ok the extension while a new appraisal is done. I ask what about the first appraisal I paid for and told which ever one comes in first we could close the loan. XX/XX/XXXX I notify XXXX XXXX of XXXX XXXX that I have lost confidence with the loan officer as she has been stringing things alone and does not keep me informed. Am told that her company filed a complaint with the loan department on the delays and I asked to be a party on the complaint and where do I call. Then told it is not the loan department but it is the appraisal management company and I ask again what and how do I FILE THE SAME COMPLAINT. No answer XX/XX/XXXX XXXX XXXX meets with appraiser on new appraisal XX/XX/XXXX The Lending company ask me to sign more documents via their web portal and I am suspicious XX/XX/XXXX XXXX XXXX calls and tells me the appraisal is in and I need to esign with the lender XX/XX/XXXX XXXX XXXX Property Manager calls and I say I am seriously upset with all the delays and I have informed his sales rep, XXXX XXXX of XXXX XXXX and how delay after delay has cost me in buying a new home and renting my current home. Inform him how displeased I am and may need a loan officer I can trust. <P/>XX/XX/XXXX File this complaint XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I used ATM cash deposit for {$760.00} cash to go into my checking account. This was at Citizens Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The machine took my cash, stated error returning cash however did not return my cash. The deposit door stayed open but no cash returned. The ATM timed out and returned my card. No receipt or cash returned. XXXX did not go through. Spent XXXX hours on phone with support immediatley waiting 45 minutes at ATM to get help and nothing. A dispute was filled and have not had any updates since filled on XX/XX/XXXX.
Product: Mortgage

Iam cosigner on the FHA mortgage ( security instrument ). The successor of note ( promisary note ) is Carrington mortgage services, since then since then I have been divorced. My ex-husband signed a quick claim deed on note in the mortgage and the deed. I supplied Carrington mortgage with all that information, they then replied back with a letter stating I was a " confirmed successor of interest ''. Now I need loss mitigation because I'm struggling making my mortgage payment due to loss of income from a divorce and they want the same papers over and over and over about my divorce decree a quit claim deed showing that I have rights to this property after I've already confirmed. And are still insisting that my ex spouse who executed a quick claim deed and no longer has rights to the property still submit paperwork to be able to have loss mitigation options. It'd be really nice for them to fix their errors and provide lost mitigation services to this FHA backed mortgage. As a Successor of Interest, I am considered as borrower and consumer and have the same rights and remedies. This is my primary residence ( Homestead ), not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with Equifax about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well.
Product: Debt collection

I have been calling for months to try and settle this debt owed. I now live in a new state and can't get a place to stay because of this debt. No one ever answers the phone nor return my calls after I leave a voicemail. All I'm trying to do is pay so I and my children can have a place to stay. I'm XXXX living in a XXXX at the moment because of this reason. I've never received a letter or anything from this collections agency ever. I only found out about it when I checked my credit and kept getting denied housing because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX   veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX  servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX Balance Owed : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter be promptly solved by TRANSUNION. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within XXXX  days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Checking or savings account

On XX/XX/2021 I logged into my Wells Fargo Account to pay my bills. While paying my bills I needed to create a new payee XXXX XXXX in order to pay my mortgage. I created the payee and preceded to make a payment at which time the Verify Your Identity dialog box appeared requiring me send my private information a number that I dont recognize. 

Again I was logged into my account, I had already verified and was paying my bills. This action by Wells Fargo prevented me from accessing my funds to pay my mortgage. 

Therefore, I contacted Wells Fargo and was forwarded to XXXX from Wells Fargo in the Texas Consumer Advocacy Department when XXXX was unable to resolve the matter. XXXX said, she said she was not able to help me unless I provided my login username, I explained I did not feel comfortable providing my private login information at which time she refused to help or resolve the matter. 

I asked XXXX and XXXX for ID numbers so I could document the call, both refused to provide the information so I would be able to document whom specifically I spoke with.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zell 's handling of dispute particularly in light 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 they informed me that recovering my lost funds was impossible and that tracking these transaction was unfeasible the cfpbs find these indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

Social security Admin. reporting my overpayment as not paid is incorrect. Paid on time.
Product: Credit reporting or other personal consumer reports

On Thursday morning XX/XX/year> I received a text message stating my new Experian Smart Money checking account was opened. Problem # 1 - I did not request a new Experian Smart Money checking account to be opened. 

I immediately went to the Experian website & attempted to log in with my known credentials. Problem # 2 - Experian no longer recognized my password and the password recovery process did not recognize my phone number. 

I called Experian and was eventually able to answer enough security questions to validate my identity. The Experian customer service representative told me that the password, email, phone number, PIN, and personal security question associated with my profile had been changed. This was a fraudulent edit. They helped me recover my password, PIN, and personal security question, but the email and phone number associated with my account were still those of the fraudster. I had to call back 3 days later before Experian could edit the email and phone number back to my own. When I called back, it took 5 call transfers to find the right person to help me! 

That Thursday I also spoke to someone with Experian 's Smart Money team. They identified the fraudulent account and it has since been closed. 

My complaint- despite many transfers and many requests, no one at Experian can explain how they, a credit bureau, home of so much sensitive personal information, managed to hand over control of my account to a fraudster, managed to edit the security question, PIN, and security contact email and phone number on my account without my consent, or how they managed to allow a fraudster to open a new banking account in my name. This was an incredible breach of privacy and security.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This proactive violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XXXX my cousin XXXX XXXX transferred me XXXX dollars to my account first she sent XXXX and then XXXX my account accepted it and everything was good but l I went into the bank and they said my account was being closed and they would issue me a cashier 's check never received I been getting the run around since then she transferred from her bank of America prepaid account now everytime I call I'm being told something different they just told me XX/XX/year> they was sending me out a cashier 's check and now once again their saying the funds are on hold because it was a 3rd party transfer and it wasn't and her bank is saying they can't do nothing because my account accepted the funds it went through so I'm just lost and it has been way to long.