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

I am reaching out regarding a serious issue with my XXXX account. On XXXX, i found my account was restricted .As requested, I provided my billing statement, uploaded my ID, and completed the required selfie verification. However, after a period of review, my account was closed without any prior notice via email, phone, or any other communication. 

A few days ago, when I logged into the app, I was shocked to find that my account balance {$12000.00} was missing. I have attempted multiple times to contact XXXX via email, but I only received automated responses. Phone calls are automatically disconnected, making it impossible to reach a representative. 

I also contacted XXXX through the app and was advised to explain my situation, with a promise of a response within XXXX business days. However, I have yet to receive any reply. 


I kindly request an immediate response regarding my missing funds and how I can get it back. 

I appreciate your prompt attention and look forward to your response. 

Best regards,
Product: Mortgage

In XX/XX/XXXX, after retirement, my wife and I opted to move to southern XXXX   and buy a retirement home. We also opted to retain our home In XXXX, XXXX XXXX, which our son offered to occupy the home and pay mortgage, taxes and insurance. We agreed. Over the next five years we had a couple of minor issues with Wells Fargo ( WF ) and to that point I made certain they had my XXXX address, email and cell phone number because there was some confusion. In late XX/XX/XXXX my son called and informed me that the house payment had increased from {$1200.00} to {$1500.00} ( approx. ) per month. Since I had not agreed to any contract change between FW me, I called and was told that WF had to purchase home insurance because we did not have an active policy. I knew my son had mentioned changing home insurance from XXXX to another company. they claimed that they had sent a letter to the XXXXXXXX XXXX address in XX/XX/XXXX stating the problem, which was that the policy they received had my sons name not mine. The policy did contain all other pertinent information such as address, amount of coverage and mortgage company. I did not get that letter, email, or a call stating the problem. When I do Call WF I find that if I must call back, they never seem to know what the last person did or agreed to do. 
Once I became aware that a problem existed, I called my son and within 24 hours the problem was solved. My complaint is that because WF claims that they had to take an action to obtain home insurance because we didnt comply with their unknown requirement for having my name on the insurance policy, we must pay several XXXX dollars for their mistake. They couldnt keep track of my contact information. 
After I called again this XXXX XXXXXXXX I was sent, via email, which was known to WF a copy of the letters they said were sent to me at the XXXX address.
Product: Credit reporting, credit repair services, or other personal consumer reports

COAF ran my credit ( XXXX  ) 3 times on XX/XX/2019, once on XX/XX/2019, once on XX/XX/2019 and 4 times on XX/XX/2019. I have spoken with XXXX and they arent helping me at all. The rep told me she was only submitting my app to XXXX auto finance only. I did not authorize COAF to run my credit this many times. These inquiries have put a ding in my credit and now Im having issues trying to get pre approved for a home
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also Transunion and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint to EQUIFAX regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that these fraudulent accounts persist on my credit report. I had hoped to rely on EQUIFAX to safeguard my information and furnish accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning medical collections. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons these accounts should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that EQUIFAX will take the necessary steps to address and rectify these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern ; Good day, I have an issue with your Organization constantly placing inaccurate information on my Consumer Report. I Found out about the latest inaccuracy TODAY XX/XX/2022. Due to this inaccuracy, my right to extend credit has been damaged to a great EXTENT! As a result, I was discriminated against and refused the A HOME LOAN! 
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

This organization has officially been put on NOTICE! Im letting you know that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected! 

There is no such law written anywhere that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Your organization neither exercised any of its responsibilities with fairness and impartiality nor PROTECTED MY RIGHT TO PRIVACY! 

I DEMAND you give me a piece of evidence that the information which is being reported has been properly investigated. Also provide me with the details of the system adopted by your organization to determine whether the transaction took place or not. 


letter attached has been Sent in the mail as well
Product: Debt collection

XXXX XXXX XXXX called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. 

When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. 

I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. 

This type of company is the reason consumer protections had to be created in the first place.
Product: Debt collection

This is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, disputing your claim and requesting validation of the alleged debt. Be advised, this request is not simply for verification of the debt or for proof of my mailing address ; it is a demand for full validation of the debt, requiring complete and competent evidence of your authority to collect on it. This includes, but is not limited to, the following : XXXX. Copies of all contracts, agreements, or assignments bearing my signature and evidencing my obligation to pay this debt. XXXX. Documented evidence of your legal assignment to collect this debt and any proof of the chain of custody if the debt was sold, transferred, or otherwise assigned. XXXX. Proof that the debt remains within the statute of limitations, as I am requesting confirmation that any collection actions on this debt are legally permissible. XXXX. Complete account payment history, including any fees or interest, to justify the balance you claim is owed. The court case XXXX XXXX XXXX XXXX XXXX underscores that debt collection agencies must prove the legitimacy of the debt and their right to collect it. Please ensure you provide all necessary evidence substantiating your claim in line with this precedent. Please be aware : if your office has reported any unvalidated information about this alleged debt to the credit bureaus ( XXXX, XXXX, or XXXX ), such action may be considered fraud under Federal and State law. Any negative mark associated with this debt, if found on my credit reports, may result in legal action against you and your client for violations of the Fair Credit Reporting Act, the FDCPA, and defamation of character. If the requested documentation is provided, I will require a minimum of XXXX days to review and investigate this information thoroughly. All collection activities must cease during this period, and I request that no actions detrimental to my credit be taken. Reporting any unverified debt to a credit repository may lead me to pursue legal counsel for action against inaccurate or misleading information. Notice of Non-Response Requirement : If your office fails to provide the requested validation within XXXX days of receipt of this letter, you are required to cease collection activities and remove all references to this account from my credit file. Please confirm the deletion of this account with documentation sent to my address above. Thank you for your prompt attention to this matter.
Product: Mortgage

I am under a modification as of XX/XX/XXXX, I lost my job in XX/XX/XXXX, which was a challenge but at least I had unemployment to rely on for a few weeks, I got back to work in XX/XX/XXXX ( The job market here in Missouri is seriously askew with phony job postings by recruiters filing their data bases ). After landing my new job shortly after I had a XXXX  injury, not job related. I was on and off work for two months. I once again submitted paper work for financial assistance, and was denied. I read over Harp and I see no reason why I would not qualify for assistance, but was told my Specialized loan Servicing that there was no help for me. I have tried to get my house modified to market value for years, it still is not. Enclosed are the copies of my modification, and the demand letter for a XXXX dollar house that is worth XXXX. I was not sent this information in writing by SLS, I got the information from a phone call. I also have a list of SLS phone calls to my cell phone, asking for someone that is not me on my voice mail.
Product: Credit card or prepaid card

Okay, Thanks for the reply and yes, I tried to contact the call number but they all referred to talk to upperhead. 
Now, as to reviewed your membership, or annual fee terms and conditions, There isnt any clause said, when can i not get a refund, or when can it be denied. 
However, terms and conditions has a long words. 
Now, as i remember of, I didn't out balnaced on its account. 
I did paid all on time, and it was maid on the school payment. 
Now, one other thing that flagged is that i put wrong bank account and It returned. Then i fixed my account and paid it all. 
Then, I kept call back and forth in your fraud department to fix this issues. 
I did three way conference calling with XXXX XXXX  more than three times as i remember of.

Now, when I did that, your service center call was hung up as it was more than 30-minute wait time. in which your service center care rep said, dont worry i will stay with you until i verify. 
This happened multiple times, then the call center now request the paper review, In which i even submitted to your system " while i was in vacation '' Thanks to that. 
In which it was promised to respond back within 5 business day, but capitalone failed to do so, and i called back to double check.

Then another paper was requested in which i couldnt handle that immediately.

Now, when i came back to my home, and i forgot that i had to respond. in which thats what my fault be.

However, i only receieved one mail, and there was nothing regards to the account closure.

So, I thought i can just take my time as i didnt have enough time.

Now, In this part, all i believe what i did wrong was not calling back when i received that mail. the first mail ever receieved since account restriction.

Even then, I tried all my best to resolve the situation, by wasting my millions of hours. waiting for bank conference calls, submitting papers for more than twice, and so on.

In which, I can not under stand that i cant get my annual fee at least.

Even in a partial refund where i couldnt used any of the service given under membership fees.

So, I am again to ask that, if full refund is not possible then at least the partial refund.

Moreover, i will keep try as best i could in order to get at least some part back since I couldnt used after aroudn 2weeks of recieving the card.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear XXXX  XXXX XXXX  I am writing to dispute the unauthorized sharing of my personal financial information in violation of the XXXX XXXX. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the XXXX XXXX. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer. 

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the XXXX XXXX in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

Sincerely, XXXX XXXX XXXX client : XXXX XXXX XXXX Account XXXX Starting account open XX/XX/year>XXXX XXXX
Product: Mortgage

Specialized Loan Servicing - XXXX Original line of credit Loan established in XXXX of XXXX. In XXXX the loan was transferred to Specialized Loan Servicing. Made monthly payments on the loan for 10 years and received a balloon payment notice in XXXX of XXXX showing a balance of XXXX due within 30 days. Company would not accept any lesser amount and rejected all monthly payments made after XX/XX/XXXX. Trying to comprehend how the balance is still XXXX after paying on the loan for 10 years. We attempted to work out a payment plan with company, they didn't want to accept anything less than the original amount. We then started working with primary lender refinance first loan to payoff the second mortgage line of credit but In XXXX the company started foreclosure proceedings which forced us into bankruptcy to keep the house. When covid hit in XXXX we were 2 and a half years into the bankruptcy and had the bankruptcy dismissed due to unemployment. In bankruptcy we were paying XXXX per month towards the loan but the account still shows XXXX due. We are working to refinance again but find it hard to believe that we have paid out almost XXXX towards this loan now in the past 14 years and the balance is still XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i received XXXX inquires on my report. I contacted the reporting agencies and was told the information is valid. i dont understand why they would say that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX  credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX. I submitted a letter to the credit bureau for this matter and I reached out to the company and they informed me that I needed to submit a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Product: Mortgage

Since XX/XX/XXXX, Flagstar Bank has been placing my mortgage payment into a suspense account instead of applying it towards the mortgage. After paying my mortgage payment, I have been successful every month since XXXX to get the payment out of suspense and put toward my mortgage. 
However, since my XX/XX/XXXX payment, Flagstar shows that I haven't paid my mortgage. 
I have paid XXXX and XX/XX/XXXX payments. Flagstar collections and loss mitigation are sending me letters and calling me non-stop for my XXXX and XXXX payments although they have been paid. We will pay XXXX 's payment once this has been resolved.
Product: Mortgage

This compliant relates to Chase not making payment on time for escrow funds. 

On XX/XX/XXXX, I faxed 2 supplemental tax bills to Chase Mortgage on my newly built home and mortgage. Chase purchased my mortgage from another lender shortly after settlement. This is my first experience with Chase. 

Earlier I received a partial refund of my Escrow account ( in XX/XX/XXXX ) from Chase, presumably a result of settlement dollars being fully processed after settlement and closing. 

On XX/XX/XXXX, I called Chase to inquire why the tax bills had not paid on time. I was informed that the taxes are still being processed. I was also informed that they have a 7 day processing policy for these requests, but a ticket was only opened on XX/XX/XXXX, 22 days after I faxed in the tax bills. As of XX/XX/XXXX, the bills have not been paid and I have now received a delinquency notice from the taxing authority. 

On XX/XX/XXXX, I was also told by a Chase service agent that the payments for the Taxes are still 'in process '. I asked to file a complaint and was transferred to a supervisor to do so. I was asked by the customer service agent and the supervisor if I cashed the XXXX escrow refund check to which I answered yes. I asked if I shouldn't have cashed the refund check in XX/XX/XXXX, and the supervisor replied that yes I should have cashed it. I am aware that the new tax bills would represent a future shortage during the next escrow analysis. 

My complaint is simply that Chase is not processing escrow payments on a timely basis and I now have to pay penalties from the local taxing authorities. As a new Chase customer, I did everything I was supposed to do and was only provided excuses from Chase, saying that they only received my request on XX/XX/XXXX, when in fact, I have proof ( fax confirmation ) that Chase actually received it on XX/XX/XXXX. 

The Chase supervisor agreed to escalate and monitor payment, and call me back when paid. 

Someone should be regulating Chase 's Escrow department for timeliness of receipt and payment of customer escrow requests.
Product: Mortgage

I was in the process of consolidating some items and my credit report was request. The lender indicated that Bank Of America was reporting payments late back about 7 years ago. I had the item researched with the credit bureaus and yet no one can give me valid proof as to when this account fell behind. I then turned my attentions to Bank of America directly with the hopes they would be able to send the information to me and they did not respond to the request. I would like to see the full history of this account.
Product: Debt collection

I RECENTLY CHECKED MY CREDIT REPORTWHICH I HAVEN T DONE IN YEARS I HAD FOUR IN COLLECTIONS THESE ARE NOT MY ACCOUNTS I SENT DISPUTE LETTERS TO ALL FOUR TWO OF THE HONORED MY REQUEST TO DELETE FROM MY CREDIT FILE HOWEVER LVNV FUNDING AND XXXX XXXX ARE GIVING ME A HARD TIMELVNV REMOVED IT ONE WEEK AND PUT IT BACK THE NEXT SAYING THEY DIDNT HAVE ENOUGH PROOF IT WAS FRAUDULENTLY OPENED I HAVE NO KNOWLEDGE OF THESE ACCOUNTS THEREFORE THEY WERE FRAUDULENTLY OPENED I HAVE BEEN TRYING TO REBUILD AND REPAIR MY CREDIT SINCE FINDING THIS OUT LVNV IS XXXX OTIGINAL CREDITOR XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX ACCOUNT XXXX DATE OPENEDXX/XX/XXXX ORIGINAL CREDITOR AMOUNT WAS XXXX HIGH BALANCE XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCT XXXX ORIGINAL CREDITOR XXXX AMOUNT XXXX OPENEDXX/XX/XXXX I AM A XXXX XXXX XXXX VETERAN I HAVE NO RESON TO LIE THIS IS SO UNFAIR MOST CREDITORS WERE SO KIND AND HELPUL EXCEPT THESE TWO WHICH I VE READ ALOT OF REVIEWS NONE GOOD CAN YOU PLESE HELP WITH BOTH ACCOUNTS THANK YOU