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

I recently signed up for a loan. I sent them an email and called for them to stop automatic drafts from my account. The representative told me I could not revoke their privileges to withdraw money out of my account. I proceeded to tell them this is my right. After arguing back and forth they said they were going to stop automatic draft from coming out. I am still nervous that they will try to take the money out of my account on XX/XX/23. I tried to put a automatic stop using my bank to no avail because they go by so many different names and was told by my bank I had to have to exact name to stop their payments. I keep calling to get the name in which they might try to use but get no response. I know one of their names is XXXX XXXX XXXX. Will you please help me if they illegally withdraw money from my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated  XXXX  -2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either
Product: Mortgage

I am curently on a forebearance and I have been alerted to some fraudulent activity surrounding the purchase of my home. While reviewing my loan disclosure and the TILA I noticed that mortgage loan was miscalculated and the amount financed should have been {$280000.00} but I was financed at {$280000.00}. I also noticed various other TILA violations that I brought to their attention such as escrow payments and appraisal value being inflated and the appraisal is invalid because I was told I would get an in person appraisal but it was performed virtually. I was not given 3 days to review my closing disclosure so I was unable to catch the errors. I recieved my closing documents on XXXX and I closed on XXXX. I even questioned walking away from the loan on closing day because they miscalculated closing cost and asked me to go get some additional funds, and when I called my mortgage broker I was misinformed and I was never told that I had the right to rescind. The seller paid the additional funds on my behalf and that amount is also not documented. I still closed on the XXXX and I was not give the 3 days prior to closing and I was not given an additional 3 days after changes had to be made to the funding or cost to close. 

I sent an letter to the escalalations department on XX/XX/year> and I have not heard from them. I have a forbearance that ended on the XXXX and I tried to wait to hear from the escalation department about the corrections but after I did not hear from them I turned in my modification application. As of today I still have not heard from either department. 

This does not outline all the errors but I have attached the letter that was sent to the escalations department along with a copy of the closing disclosure.
Product: Prepaid card

On XX/XX/2024, I discovered unauthorized transactions on my account totaling {$21000.00}. I immediately contacted Bank of America 's customer service department and filed a fraud claim. I provided all the necessary information and documentation supporting my claim, including the transaction details and evidence of unauthorized access to my account. 

Despite my prompt action and the clear evidence provided, Bank of America denied my claim, stating that there was insufficient proof of fraud. I am appalled by this decision, as I have taken all reasonable steps to protect my account and report the fraudulent activity in a timely manner. 

I believe that Bank of America 's denial of my claim is not only unjust but also a violation of my rights as a customer. I had always trusted the bank to protect my financial interests, but this incident has left me deeply disillusioned. 

Given the circumstances, I am left with no choice but to file a formal complaint with the government. I request that the appropriate authorities investigate Bank of America 's handling of my fraud claim and take necessary action to ensure that justice is served. 

I have attached copies of my correspondence with Bank of America, including the initial fraud claim, the supporting documentation, and the denial letter. 

I appreciate your prompt attention to this matter and look forward to a fair and satisfactory resolution.
Product: Debt collection

Diaz & Associates, I don't have dates. Keeps checking my credit report on XXXX. Several calls this year, threatened to have authorities serve me with legal documents. Various calls from different states, always leaving messages to call back with ID number. I don't owe anything. 

Diaz & Associates , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with the company on XX/XX/XXXX Company received my disputes. It is now XX/XX/XXXX and i've Yet to hear back from the company. The FCRA gives the company 30 days to respond, I have been patiently waiting for the method of verification from them. Since it can not be provided can you please ask them to delete these accounts off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home for my family and it was requested by a lender to pull my Experian credit report. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the historical information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  and ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ; ACCOUNT NAME : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX ; ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; ACCOUNT NAME : XXXX XXXX XXXX XXXX # XXXX. I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute and Request for Removal of Inaccurate Collections Under Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute and demand the removal of the following collection accounts from my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccurate, incomplete, or unverified information being reported on my credit file. 

The following accounts are being reported unfairly and must be deleted immediately : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXX XXXX. XXXXXXXX XXXX, XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, Date opened XX/XX/XXXX XXXX. XXXXXXXX XXXX, XXXX, ACCOUNT NUMBER XXXX, AMOUNT XXXX, DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX, Date Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX, Date Opened XX/XX/XXXX Under 15 U.S. Code 1681s-2 ( b ) of the FCRA, the information provider must conduct a reasonable investigation and provide verifiable proof that these accounts are accurate. If Experian can not obtain proper documentation from the original creditor proving that these accounts are valid, you are required by law to remove them from my credit file. 

Additionally, under 15 U.S. Code 1692g of the FDCPA, a debt collector must provide proper validation of the debt upon request. If the collection agencies reporting these accounts have failed to furnish a legally valid contract with my signature proving my liability, then these accounts are being reported unlawfully. 

I am demanding the following actions : 1. A complete investigation into the accuracy of these collection accounts. 
2. A request for full validation from the collection agencies to verify these debts are legitimate. 
3. The immediate removal of any unverified, inaccurate, or unauthorized accounts from my credit report. 

Please note that failure to comply with federal law will leave me with no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal action. 

I request written confirmation of the results of this dispute within the 30-day period required by law. Please send me an updated copy of my credit report once these accounts have been removed. 

Sincerely, XXXX XXXX
Product: Mortgage

I was going through XXXX when I Applied for forbearance myself in XXXX  by myself through Bank of America my mortgage company at the time It never went through Was advised to go to HUD filled out paperwork again cause rep stated I cant use original paperwork I had. Fast forward just lost my mom so I was trying to get home equity loan however was advised I have two liens on my home for XXXX two months difference from HuD / Bank of America. Went to state representative office who verified and documented this was a duplicate. They gave me payoff notice for the correct amount which was for the lowered lien amount. I am trying to get someone who can correct all lien and systems who can remove the lien which is for the higher amount out of credit and lien systems so I can get home equity loan to help me pay off my debts. Tried calling Bank of America and they do not want to assist me since they sold my mortgage to XXXX XXXX. And XXXX XXXX  referred me back to Bank of America which is the pits. They sold my mortgage to XXXX XXXX  stating I have a forebearance and XXXX XXXX  was given the forebearance amount and now they are also trying to obtain a forebearance amount as well. This is a mess I need the lien to be removed and XXXX XXXX  to remove this forebearance from my account cause I am not paying this duplicate forebearance which is lien on my house that I have payout not for am willing to pay to get this off my account.
Product: Credit reporting or other personal consumer reports

Still working on the issue IS A JOKE but as requested ALL COMPLAINTS ARE FORWARDED TO THE F.T.C. AND D.O.J.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there is an account and some inquiries reflecting badly on my credit history. I was confused to hear this so I looked through a copy of my credit report myself and I saw an account from a company called XXXX XXXX/XXXX  that is not mine as well as inquires from several different companies. I don't know who these inquiries/account belong to as I did not give anyone permission to open that account on my behalf. I did not benefit anything as a result of that account being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards it. I have already filed a police report regarding this suspicious account and inquires.
Product: Credit card

I received an email from Concora CreditXXXX XXXX XXXX XXXX XX/XX/XXXX claiming that my account statement is available and that I have a statement balance of {$1000.00}. I have never heard of Concora Credit nor have I opened a credit account with them. I looked through my emails for Concora Credit and saw that on XX/XX/XXXX, I received another email saying thank you for registering your XXXX XXXX XXXX account which also includes a Concora Credit header. On XX/XX/XXXX, I also appear to have received an email saying thank you for accepting the pre-approved offer for a Concora Credit account except this email states it is from GenesisCreditPlatform. Additionally on XX/XX/XXXX, I received a thanks for going paperless email from Concora Credit. I have not received or accepted a pre-approval offer from this company, nor have I ever applied for or received a credit card from this company. Another detail I have noticed is that my name is not included in any of the emails, like other companies include. It appears that there is not a simple customer service email to reach out to and the customer service/fraud department phone line was difficult to find, especially as it is unclear whether this is supposed to be a Concora, XXXX, or Genesis account.
Product: Checking or savings account

On XX/XX/XXXX my personal banking account debit card info was hacked and stolen, our main account was cleaned out of funds and the bank finally stopped authorizing additional purchases due to fraudulent activity it determined. I was never noticed and I have alerts on everything on all of our accounts for just this sort of problem. A fraud claim was filed with US Bank ; claim number # XXXX immediately upon us discovering our account had been compromised. It was a nightmare and a lot of leg work on my part to fix this. Im already a victim of identity theft and have been protected ( allegedly ) by XXXX  XXXX XXXXXXXX for many years and still have had problems with exposure of my personal records. I contacted XXXX concerning why I wasnt notified of another breach and they told me that the bank ( US Bank ) never reported it to them. A representative of US Bank informed me they only report fraud on their bank issued credit cards and dont always report theft or fraud on personal accounts. OMG, what good is XXXX or any other Identity Theft and Credit monitoring service if the banks dont report all fraudulent activity. Sounds like a upcoming lawsuit to us. Please help, my identity was first stolen in XXXX and several more times since including the XXXX XXXX breach that exposed ALL of my personal information. I would like investigations into US Bank and XXXX and the other two Credit agencies. No one is really protected!
Product: Student loan

Confusing or Missing disclosures /did not receive notice of right to dispute. Coupled with the fact that the loans are over 10 years old for one and the other two are 9 years old.
Product: Checking or savings account

I submitted a claim about a person of fraudulent phone call to trick me into giving money on a form of XXXX gift card, I XXXX the Phone number of XXXX and the first Phone number showing up was XXXX and the person name XXXX answered the call and i purchased a ticket using XXXX gift card that this person asked me to buy, I used my Debit card from Wells Fargo bank and i called back to the phone number and was disconnected and XXXX has nothing to do with this, I got in touch with XXXX and they open a case # XXXX Then i Open a Police report FTC Report Number XXXX and with all that information Wells Fargo Bank refused to reverse the transaction and they incline in behave of the Criminals instead of the client.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were a thoritio!, I via hargedjees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Yes this company could not provide verification of debt. They have me pay more than the owed amount and has it reporting inaccurately on my credit report. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 
Here is a list of inaccuracies that were claimed verified.
Product: Mortgage

Subject : Request for Assistance with Mortgage Refinancing Under VA IRRRL Program ( Loan # XXXX ) To Whom It May Concern, I am seeking assistance from the Consumer Financial Protection Bureau regarding a mortgage refinance I completed with Newrez LLC ( Shellpoint Mortgage Servicing ) under the VA Interest Rate Reduction Refinance Loan ( IRRRL ) program. The refinance, conducted in XX/XX/year>, was proposed to me by loan officer XXXX XXXX ( XXXX # XXXX ), who assured me that the terms would reduce my monthly payments, would not require me to provide any out of pockets expenses, and provide financial relief. 

However, the terms of the refinance did not meet these expectations. My interest rate was only minimally reduced, from 7.25 % to 6.75 %, my loan balance increased by approximately {$9000.00}, and my escrow was depleted to covering the cost of the payoff amount of the previous loan. These terms have put me in a financially weaker position, contrary to the purpose of the VA IRRRL program.

Despite repeated efforts to communicate these concerns to Newrez LLC, I have not received any meaningful support or resolution. Given the CFPBs focus on consumer protection within the mortgage industry, I am requesting your assistance in ensuring this issue is properly addressed. 

I even took the initiative to reach out to the loan officer XXXX XXXX, and his supervisor XXXX XXXX. I spoke with XXXX XXXX prior to the holiday and he stated that he would try to get my negative escrow account credited for my troubles and he never followed up with me. After finally getting in touch with him, he once again seemed confused by my troubles and stated there was nothing Newrez LLC was going to do to help me. 

Which led me to reach out to XXXX XXXX 's supervisor ( XXXX XXXX ). Each of these individuals did not see anything wrong with the refinance process and the financial burden that it has caused me. If I was aware that I was being dealt an unfavorable contract, I would have never refinanced my house, as I was in a much healthier situation financially. As a first time home buyer and my first time refinancing, I put all my faith into trusting Newrez LLC to treat me and my family fairly, and I believe that I was taken advantage of. Neither of these individuals would see the deal that they gave me as a good deal or and great financially decision, so why would they reach out to me, especially when my evaluation was coming up and I was about to receive my escrow refund from the fund that they did not need to use? 

I have provided contact information to each of these individuals below and the customer service phone line for Newrez LLC and their mailing address. 

XXXX XXXX ( Loan Officer, who approached me with refianancing ) NLMS # XXXX Email : XXXX XXXX XXXX ( XXXX XXXX XXXX Supervisor ) Email : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX Supervisor ) Newrez LLC mailing address : XXXX XXXX XXXX XXXX, SC XXXX Please let me know if further information or documentation is required. 

Thank you for your attention to this matter. 

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

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) How can this debt be validated when there is inaccuracies on my credit report Date open on 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

Company : Coinbase I have made a wire transfer to my Coinbase account to be able to purchase crypto currency. All my details were entered correctly and my bank has confirmed that the company has taken receipt of the funds. The funds have however for long past their promised time frame still not been credited to my account. I have attempted on numerous occasions to contact their customer support via email, twitter and phone and have received no response.
Product: Credit reporting or other personal consumer reports

I was shocked and confused to see inaccurate accounts on my credit report tonight, with no explanation as to why theyre there. I check my report regularly, and this has never happened before. I even refreshed my browser, thinking it was an error, but the discrepancies remained. Due to this, Im asking that the documents I provided be reviewed with care so that I dont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Federal Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.