23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

From XXXX I have struggled and struggled with this company. Used to be granite state- they constantly were telling me on the phone to put loan into forbearance and said interest wouldnt matter. I listened and did as directed. That interest sure crept up after every forbearance ended and another one started. I struggled making payments. customer service was only about forbearance. I had to consolidate since granite wasnt going to be a company much longer from word of mouth. Now I have huge monthly payment, cant afford it. Would of saved me thousands if granite wouldnt of kept pressing forbearance. Than I was told by XXXX  via phone call my loan is considered into the XXXX settlement. Called them months later and they acted like they new nothing. They had me call Ohio attorney general who than redirected me to another company. Im struggling mother here and I feel so betrayed and taken full advantage off by granite state loans. Interest sky high, to forbearance periods to income driven repayments to late payments. No one at that place were on the same page.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Flagship Credit Acceptance made an unauthorized error including inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter today from XXXX XXXX who denied an inquiry for a personal loan bas

ed on One or more accounts are being administered by a credit counseling service, as reported by Experian. This is not currently accurate ( I did participate in such several years ago but have paid 100 % of those accounts off in full ). I reviewed my credit report on Experian but dont see this information. And I tried to submit a complaint but theres nowhere to write this type of concern on their electronic form. I do intend to write them a letter of complaint about this.
Product: Money transfer, virtual currency, or money service

Im writing to informally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies. My financial Institute and Zelle failed to investigate my claims adequately. They informed me they were recovering loss funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate the Zelle has not only neglected to protect the consumers but has also allowed repeat offenders to exploited the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumers safety.
Product: Debt collection

For the past three days I have been receiving recorded " trace location '' messages from " FMR. '' I have  XXXX  the company and it is associated with a phishing scam based on fake payday loans. I have checked my report at all  XXXX  credit bureaus and there is no collection against me from FMR, and not even any fraudulent payday loan on my record. This company has even called my mother looking for me.The calls started at about the time that my credit union notified me that my debit card would be reissued because of a security breach.
Product: Checking or savings account

I opened a checking account with XXXX in XX/XX/XXXX being attracted to their welcome bonus. I called numerous times because the bonus was not deposited to my account yet, always got answer that I have met the criteria, bonus it's on the way. Now in XX/XX/XXXX customer service is telling me that I don't qualify since I have had relationship with the bank already. I have a CREDIT CARD with them that was opened before the checking account. Their offer disclosure states " Customers who held an HSBC consumer deposit or investment account not eligible for this offer. '' Credit card is neither consumer deposit or investment account, so they are doing false advertisement. 

Their customer service is terrible, horrible and outside US, I'm not getting anywhere with them.
Product: Credit reporting, credit repair services, 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 U.S.C 1681, XXXXXXXX XXXX XXXXXXXX Acct : # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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 report. 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. 
XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX
Product: Debt collection

Received a notice from Credit Corp Solutions that I owe {$300.00} to XXXX. 

I try to login to my account to review. I am locked out of my account. I call company. Company informs me I am locked out of my account. I ask repeatedly for the company to provide either an email or a letter showing what I owe and when. 

The company refuses and tells me I will get a letter from collections. I ask why are they writing off my debt to a third party? XXXX informs me this is from XXXX 's collection department. I find this incredulous because the collections letter is from Credit Corp Solutions Inc XXXX XXXX XXXX and not XXXX XXXX. 

XXXX can not send an email or letter showing what I owe. Further, what I find strange is that I paid outstanding balances in 2021. However, I can not dispute because I do not have access and the company will not provide proper notice. They did not notify me that they will be closing my account and sending it to collections and without my ability to properly review the account. 

How can I do business with a company with such business practices? Not being able to review the account in writing or electronically? This is not ethical. 

Please help, XXXX XXXX
Product: Debt collection

CMRE is fraudulantly reporting on my credit report two medical accounts that are not mine, they are the result of Identity Theft.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX holds our mortgage. XXXX XXXX XXXX ( XXXX ) services our mortgage. We have never been late on a mortgage payment. Previously, our mortgage was serviced by XXXX XXXXXXXX XXXX. In late XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX, was created to service mortgages for XXXX XXXXXXXX XXXX XXXX. Subsequently, our mortgage was transferred over to XXXX   XXXX XXXX in XX/XX/XXXX. 

We have a mailing address that is different from the address of our home, which we have the mortgage on. XXXX XXXXXXXX XXXX had both our mailing and home addresses and communicated this information along with a property tax bill to XXXX during the transfer. We have supporting documentation and a letter from XXXX XXXXXXXX XXXX regarding this fact. XXXX XXXXXXXX XXXX   never failed to pay our property taxes during their servicing of our mortgage. 

XXXX failed to pay our property taxes for 1 year and 3 months. In XX/XX/XXXX XXXX sent our property tax payment to the town associated with our mailing address. The town returned the payment to XXXX XXXXXXXX XXXX because the payment did not apply to a property in that town. XXXX never attempted to research why the payment was returned. We were never contact my XXXX XXXX XXXX in regards to their in ability to apply the escrow funds we were paying to our property taxes. 

When filing our XXXX tax returns we then realized that our property taxes had not been paid in over a year. In XX/XX/XXXX we contacted XXXX to find out why our property taxes had not been paid. It was then that we realized that they believed that our mailing address was also our home address. We asked that they submit payment to the correct town ASAP and we were told that they would update their records and submit payment. We contacted our town on XX/XX/XXXX to see if payment had been received and it had not. We contacted XXXX again on XX/XX/XXXX to ask them again to pay our property taxes. We were only able to leave a message with their escrow department. We then contact XXXX XXXXXXXX XXXX XXXX ( XXXX ) to ask for their assistance. An associate at XXXX contacted the XXXX escrow department and our property taxes were finally paid on XX/XX/XXXX. At this point they were in arrears by 5 quarterly payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). The late payment of our property taxes resulted in {$200.00} in liens and fees. XXXX paid the liens and fees with money from our escrow account. 

As the servicer of our escrow account they are required by federal law to make our property tax payments. XXXX failed to pay our property taxes for over a year and is liable for any liens and fees incurred due to their negligence. 

We would like the {$200.00} in liens and fees returned to our escrow account. While this may seem like a small amount of money it is significant enough to us and is money that we are unjustly being held liable for.
Product: Credit reporting

I have contacted TransUnion several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX XXXX - XXXX  2. XXXX XXXX - XXXX  3. XXXX  - XXXX  4. XXXX - XXXX 5. XXXX XXXX - XXXX  6. XXXX XXXX - XXXX  7. XXXX XXXX XXXX - XXXX  1. XXXX XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Navy federal has been charging over draft fees and not dispersing my funds correctly
Product: Mortgage

The lender filed for lender foreclosure in XXXX 2016 but has not moved forward with any action since the filing. The community has suffered by watching the property go into disrepair. Currently, trim is falling from the home, the siding is covered in green algae, the back yard is full of trash and piles of debris, the lawn is not being cared for, plants are overgrown, lawn is waist high, plant beds are full of weeds taller than most people. The community has patiently been waiting for the home to sale but every offer ends without a sale and the real estate sign disappears for months at a time. The second real estate agent 's sign disappeared about a month ago but no sale took place. We are uncertain that the home owner resides in the home and question the safety and health of these residents if they do. Activity is spotty and has been less and less over the past few months. In the beginning of the year, a car was parked in the driveway almost every day but now residents report no one has been there in weeks. The surrounding residents are afraid that the condition of this home is lowering property values in addition to attracting wild animals to live in the neglected conditions. The entire community is troubled that the mortgage process has been allowed to carry on for so long without action on a home that will ultimately end in foreclosure because the owner has abandoned the home.
Product: Money transfer, virtual currency, or money service

On XXXX I received a fraudulent text message from Wells Fargo asking if I had authorized a XXXX transaction in the amount of {$3500.00}. I quickly responded " No '' and was called by a Wells Fargo agent impersonator whose Caller ID said " WELLS FARGO ''. This fraudulent agent said someone was attempting to send {$3500.00} through my WF AppXXXX , and that the way to ensure we prevent that was to XXXX myself and " reverse '' the transaction. The fraudster accessed my mobile banking app without my knowledge and was sending one-time text codes to my cell phone and asked me to read the code back to them. This is a known Wells Fargo authentication practice used with me in the past, and I was under the impression at the time I was speaking to WF representative. The fraudster had me push through the {$3500.00} transaction, then asked me to change the recipient to his bosses name to reverse the payment. I attempted to do so, and was limited to a {$500.00} transaction. I started to become suspicious that this was not in fact Wells Fargo, and hung up the call. I called the fraud department back the following day to follow up and was told I was speaking to a fraudulent representative. Wells Fargo has denied three claims I have submitted attempting to recover the funds, though they sent out a mass email to all WF users on XX/XX/XXXX identifying this as a popular scam on the rise, called the " Pay Yourself '' scam. This is a known issue and scam, and I am still being denied any repayment by Wells Fargo. Timeline with case details, dates, and WF representatives involved can be found below. 

XXXX opened original claim # XXXX which was denied XXXX escalated to executive line after XXXX claim was denied -Case XXXX was told I would get a call to gather the details -Called XX/XX/XXXX for an update, and to speak to case specialist XXXX. XXXX was unavailable, but was told he would call me back. 
-Called back XX/XX/XXXX for an update to learn the claim was denied, no phone call was made to me to gather details on the case. Asked to speak to Case specialist XXXX, was told he is unavailable again, and he would call me back. 
XXXX never called back. Called Wells Fargo back XX/XX/XXXX for an update and to speak with XXXX, or his manager, XXXX. Both unavailable, but told XXXX will call me back on XX/XX/XXXX. 
XXXX still no call backs, calling WF again to ask to speak to manger. Intake specialist XXXX. XXXX XXXX, XXXX manager will call back today. No call back provided afterall. 
XXXX I called Wells Fargo XXXX intake specialisXXXX XXXX, trying to get me in contact w XXXX or XXXX. Could not assist so opened a new case # XXXX XXXX I called WF back after no contact made, intake specialist XXXX XXXXcomplaint agent, not case specialist, assigned is XXXX XXXX - XXXX called to discuss XXXX XXXX XXXX ext. XXXX -will review the pay yourself scam email from Wells Fargo sent on XX/XX/XXXX -Case is now re-opened til XX/XX/XXXX XXXX XXXX XXXX called back to deny the claim, CFPB case opened.
Product: Checking or savings account

I filed a complaint against the Capital One Bank which was described as follows : " On XX/XX/2023 there was a wire transfer from my business checking account with Capital One Bank in the amount of {$290000.00}. My account was debited this amount. I got a call from the bank about this wire soon after it was done to ask if it was me. I told the bank that I did not do that nor I am familiar with the company to which wire transfer was done. They were aware that the wire transfer was made to XXXX XXXX XXXXXXXX and I was told that they had made a recall on it. For the next two weeks I was told that they are investigating. In the third week I was told that bank is not going to return my money. I had a small business checking account no. XXXX with Capital One Bank which has been deactivated now ''. 

As per CFPB the case was closed as bank responded but what bank responded is a complete lie in which says that I contacted them on XX/XX/XXXX and brought to their attention the fraudulent transaction. The bank was very much aware of the transaction when it occurred but did not stop it. As you can see from the emails of bank which are uploaded that the bank was communicating with me since XX/XX/XXXX and telling me that they are trying to get the funds back and I was supposed to wait. 

I am suffering due to bank 's negligence and hope for a fair treatment from you.
Product: Debt collection

I filed a discrepancy/dispute about the debt this company says that I owe them. The reasoning for this debt is due to mistakes made, and agreement not fully concluding on the companys side. I received telephone service through XXXX, however decided it did not perform to my needed standards. Therefore I returned the phone within the XXXX period issued in agreement, however they kept the cell phone line account active when it was terminated. 

This debt was then sent to this Debt Collector, with many written attempts to collect debt. Debt was disputed through XXXX XXXX and removed. Even after having debt removed from the Debt Collector agency Jefferson Capital I am still receiving attempts to collect debt along with an offer for an unsecured credit card. I do not want any further communication from, or mail sent to me by them since this debt was removed on all accounts in my name.
Product: Debt collection

Recd propane delivery not requested on XX/XX/year>, delivery ticket shows price per gallon of {$3.00}, plus XXXX XXXX, plus XXXX XXXX {$220.00}. Initially when i called around looking to change propane providers, i spoke with XXXX XXXX XXXX XXXX who offered me {$2.00} XXXX a gallon fixed price due to my fixed & very limited income. She said complete this form so we can run a credit check & quickly she was verbally impressed with my credit report & said shed change the fixed price on the form to run credit check to give me fixed pricing of {$2.00} XXXX to help me afford to do business with XXXX XXXX XXXX their company REQUIRES them to Install a special type of valve on our furnace which also was an added cost of {$200.00} + initially plus each XXXX gallon propane tanks for XXXX tanks delivered to my residence. Each billed i have paid up till this XXXX price was {$2.00} XXXX a gallon. This delivery on XX/XX/year> was not even XXXX or 4 months after prior delivery of propane. XXXX XXXX DEMANDS the right to SHARE your data when you oay your bill on-line through their web portaloutrageous!! Exposes customers to more possible security breaches. Not a condition an customer should ever have to REQUIRED/DEMANDED to share. When I encountered an issues after this special value was installed, XXXX IGNORED my email. Next when i pointed out the initial amount of propane delivered with new tanks was NOT ACCURATELY STATED ON PAPER MY THEIR SERVICE/INSTALLATION MAN. Now when i adjust the amount owed to be in compliance with what XXXX told me & tell her same thing in an email. She cashed my check for CORRECTED PAYMENT IN FULL, FRONT ON CHECK SAYS PAID IN FULL, ACCOUNT BALANCE NOW XXXX. Therefore, i owe XXXX XXXX XXXX XXXX  XXXX & my account Balance is XXXX. Weather or not XXXX XXXX explained all these details with ARM COLLECTION AGENCY, is on XXXX XXXX, I DO NOT OWE SHARP ENERGY XXXX!
Product: Mortgage

My complaint is regarding New Rez mortgage company. Starting at the end of XX/XX/year>, we reached our payment amount to get our PMI canceled. We paid the {$190.00} to have someone come out and reassess our home. It took over a month and several phone calls/emails to find out the status, but at the end of XX/XX/year> we received a letter from New Rez congratulating us and that our PMI has been canceled. They continued to charge us our PMI every month after. I called every month after asking them to stop charging us and to refund our money. It has been a struggle. It shows in our online account that they refunded a small amount today and put the amount in our escrow, but it is not the 3+ months of PMI that we have been charged since the start of this process. This money should be in our bank account, earning us interest, not the mortgage company. I should not have to call/email/message multiple times to get our hard earned money back. My husband is a XXXX veteran, we have not only never missed a mortgage payment, while he was XXXX overseas, we made several extra payments towards this mortgage with the hopes of paying it off sooner. This company should be ashamed of themselves for taking advantage of a veteran and his family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKOWN to me. 
Here are the items that needed to be investigated : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently suffered a massive data breach and did nothing to personally notify it 's potential victims. I only found out about the incident after I saw a news article about it. Equifax 's solution is to offer a single year of free credit monitoring, but if you sign up for it, you lose your right to a class action lawsuit against the company.
I was affected by this breach and I am extremely displeased at how they are managing this situation.