23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # XXXX DOB XX/XX/XXXX Account-XXXX XXXX XXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX  I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

AidVantage XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} AidVantage acquired my student loans from XXXX XXXXXXXX XXXX on XXXX XXXX, and reported 6 late payment for each loan in XXXX. XXXX XXXXXXXX XXXX never reported any late payments nor was I ever late on any payment.
Product: Credit card or prepaid card

Very nasty and rude representative I called them to tell them I lost my card customer service told me not to worry and their were charges I didnt recognize they said they shut it down and will send me a new one then a nasty department claims to be Pnc they didnt even know I already spoke to someone about it and said to me they want to go over suspicious activity on my account they claimed to be account takeover then it gets disconnected I call back and they tell me I cant use any of my accounts and their is a review this is ridiculous and rude I feel dosdinisted against what did I do wrong I called them to report it and then they do this to me how can they this is not fair I am very upset
Product: Mortgage

Continuation from original complaint : XXXX. Reviewing the initial package we sent in and comparing with the latest requests in letter ( dated XXXX/XXXX/XXXX attached ), we had already sent in all of the documents that were being re-requested. I called Bayview to discuss as well ask a few followup questions on the latest request. The calls were placed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX without any reply. We could n't wait anymore and had to send in the requested info as stated by XXXX/XXXX/XXXX to meet the deadline. 

After at least 10 attempts to contact XXXX XXXX in a 2 week period, I submitted my initial CFPB complaint. I also sent him 1 last email on XXXX/XXXX/XXXX asking him to please reply to my email with a time that I could call his office to speak to him as he is supposed to be our 'single point of contact ' to which we have NEVER spoken to or been contacted by. This past Friday ( XXXX/XXXX/XXXX ) we received a series of confusing letters ( postal mail ) from Bayview that does n't quite make sense. They are attached. In a nutshell, there are 3 letters are dated on XXXX/XXXX/XXXX ... .oddly the date my complaint was filed that JUST ARRIVED Friday. Which tells me they were backdated. The other was dated XXXX/XXXX/XXXX. The XXXX letters state that the review of our loan modification was completed and it was determined that we were ineligible ... due to the fact that we did not provide the requested documentation by the deadline ( see letter & deadline of XXXX ). I can tell you 2 things : the woman I spoke with at Bayview the day I called ( XXXX ) informed me they DID received our information on XXXX. However, the information has yet to be reviewed and XXXX XXXX was in a meeting. 

The letter on XXXX/XXXX/XXXX states Bayview received our inquiry on XXXX XXXX, XXXX and a resolution date of XXXX/XXXX/XXXX has been proposed. Yet, I did not send an inquiry that date so they must mean the complaint that I filed. Had I been able to speak with our point of contact at all during this XXXX or any other time during this process, perhaps we could have submitted our information before instead of on the due date. 

I called 2 times on Friday ( XXXX/XXXX/XXXX ) after arriving home to these letters and can not get a single person on the phone. Nor, nor replies to my MANY emails.
Product: Checking or savings account

Issue : Im a former Capital One customer who thought I held a high-interest account, but was tricked just like outlined in these articles. Capital One maintains deceptive and predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX though Capital One no longer grants me access to my former account statements to review exact dates. 

Amounts : between ~ $ XXXX of lost interest in my accounts Action taken : contacted the company several times, and was told they would not rectify the situation. 

Additional narrative : I'm writing to share my experience leaving Capital One as a longtime customer earlier this year. After investigating discrepancies in my expected vs. actual interest being paid into my 'high interest savings account ', I was informed by a customer service representative that I had in fact been 'grandfathered ' into a legacy rate ( unavailable to any consumer, and certainly not advertised on the Capital One website, which only advertised their High Interest Savings account ) of XXXX % vs. the stated 4.15 %. My account was listed as High Interest Savings, but I was clearly not being paid the market rate. When contacting Capital One, the customer service rep suggested opening a new account to access the expected market rate, but was unable to rectify the years of unpaid interest due to my incorrect account classification. Neither was the supervisor whom I escalated to as a next step, nor the Executive Escalations team after writing the CEO on XX/XX/XXXX. As such, I told them I had completely lost trust in Capital One and closed all accounts. 

I had been a legacy ING Direct customer since XXXX, and was happy to join the Capital One family. Not until years later did I realize Capital One was not paying what would have amounted to thousands of dollars in interest because of my legacy account status. Nor were they willing to make the account whole by correcting past interest. I have since shared my extremely negative impression of Capital One with family/friends since this discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, XXXX XXXX Transunion credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.
Product: Mortgage

I am confused. I believe Huntington bank has not filed a proper release of lien letter for XXXX XXXX XXXX in XXXX XXXX PA. I have tried to contact them but no response.This loan was fromXXXX I believe they filed it in Ohio, but I dont believe it was transferred to XXXX count?. Could this be why XXXX XXXX  did not pickup their release of Lien? I apparently don't have clear certificate of Title. Perhaps the title search show that the Lien filed in Ohio but does not show up in XXXX County PA? Please tell them to file the release of lien in XXXX County PA. Or provide a quit claim document to me from them and file in XXXX count PA. It shows they filed the Lien in XXXX County, they should be able to file the release in XXXX county as well? This is causing a cloud on the title and prohibiting me from getting a certificate of Title and refinancing. 

I request they provide an Abstract of title for XXXX XXXX ensuring their job is complete and I will not have any more issues. In addition I as they provide me a Warranty Deed to ensure this will never happen again. 

Thank you, Huntington Case # : XXXX CFPB Case # XXXX XXXX XXXX After recording return to : The Huntington National Bank XXXX XXXX XXXX, XXXX XXXX XXXX Oh XXXX Parcel # XXXX AND XXXX SATISFACTION PIECE Pennsylvania Loan Number XXXX I do hereby certify that this address is the property address and belongs to the mortgagor : XXXX XXXX XXXX XXXX PA XXXX XXXX Name of Mortgagor : XXXX XXXX XXXX AND XXXX XXXX XXXX , HUSBAND AND WIFE Name of Mortgagee : THE HUNTINGTON NATIONAL BANK Date of Mortgage : XX/XX/12 Original Mortgage Debit : {$280000.00} Mortgage Recorded on XX/XX/12 in the office of the recorder of deeds of XXXX County, Pennsylvania , Township of XXXX recorded in Mortgage Book/Volume XXXX Page XXXX Document Number XXXX said mortgage assigned to NA in book NA page NA further assigned to NA book NA page NA. No Legal Required The undersigned hereby certifies that the debt secured by the above mentioned mortgage has been fully paid and discharged and that upon the record in hereof said mortgage shall be and is hereby fully and forever satisfied and discharged. 

In witness whereof as The Huntington National Bank as caused this instrument to be executed in its corporate name by its XXXX XXXX XXXX, Assistant Vice President on XXXX XXXX. 
The Huntington National Bank XXXX XXXX XXXX, Assistant Vice President STATE OF Ohio COUNTY OF XXXX On XXXX. XXXX, XXXX before me, the undersigned notary public personally appeared XXXX XXXX XXXX who acknowledged XXXX to be the Assistant Vice President of The Huntington National Bank and that he'she as such being authorized so to do, executed the foregoing instrument for purposes therein contained, by signing the name of the corporation by himself'herself as such corporate officer. In testimony whereof, I have hereunto set my hand and official seal.
Product: Credit reporting or other personal consumer reports

I called Equifax on XX/XX/year>, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/year> they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( 1 ) US Department of Education/ XXXX ( 2 ) XXXX  XXXX ( 3 ) Department Of Education/ XXXX XXXX XXXX . There are a total of XXXX closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home. I files a claim with you last about this and US Department of Education/XXXX  is still not removed from the Equifax report .
Product: Money transfer, virtual currency, or money service

PayPal has frozen our accounts and refuses to release our funds, also : - PayPal doesn't reveal the criteria it uses to trigger a payment hold, making it impossible for sellers to learn why their funds are being held or to determine if an error had been made ; - Sellers make zero interest on their funds, while PayPal presumably does earn interest on the sellers ' funds ; - PayPal has no accountability ; there are no auditors or checks and balances. 

The fact that this is continued to be allowed by consumer rights organizations is saddening. They continue to pray on small business and discriminate against legal business violating their rights under US law.
Product: Credit reporting or other personal consumer reports

I sent a request to each company below requesting a 1099-C. None of them has responded with the information that I requested. Per XXXX, all the accounts just came back verified. I didn't ask them to verify the accounts I asked each company for a 1099-C because each XXXX of them company either wrote the account off or charged the account off meaning that the company wrote the accounts as a lost. meaning I should have received a 1099-C so I can file it as taxable income on my taxes but I didn't get a response to my request. The law clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Here is the list of companies I sent this request to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings 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, credit repair services, or other personal consumer reports

I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021
Product: Vehicle loan or lease

The Loan Contract Documents in the Auto Loan # XXXX was predatory / fraudalent/ and deceptive in requiring me to pay close to {$400.00} a month on a XXXX yr old car with a GPS tracking device discontinued by the Original Manufacturer ( XXXX ). & on page 5 the contract clearly states that I am not responsible to pay any amounts over the legal finance charges and interest rates
Product: Checking or savings account

XXXX XXXX experienced issues related to COVID Pandemic with high medical expenses and reactions to vaccinations and subsequent medical as a result of XXXX. XXXX allows customers to overdraft protection which was being brought back up to zero but apparently it took longer than bank allows. XXXX XXXX was not advised on any time limit. XXXXlus SunTrust charged XXXX XXXX additional fees as a result. SunTrust has apparently closed the account and has contracted a credit debt collector. This is outrageous as Suntrust/TRUIST received FEDERAL CARES FUNDING. I request enforcement action against SUNTRUST Bank. Account was closed over XXXX $ and SUNTRUST refused payments to bring the matter to zero. Further SunTrust did not notify customer in advance of action taken. SUNTRUST also reported the activity to outside reporting " ALERT '' ( banking databases ). The US Government has recognized the COVID as a national pandemic/national emergency and ordered citizens to take vaccinations that have ad citizens ill.
Product: Checking or savings account

In early XXXX, my wife was contacted by someone on her classs social media platform ( XXXX  ), indicating they wanted to use her photo for a mural art project and were willing to compensate her with $ 500.Subsequently, XXXX electronic checks totaling {$2200.00} were sent to her, instructing her to deposit them into my Wells Fargo checking account, as she does not yet have her own account in the US. The checks, written in my name, were cleared by Wells Fargo, and the full amount was credited to my account. Following this, I transferred {$1700.00} to the sender via XXXX, keeping the agreed-upon {$500.00}. 

Later, it was revealed that the checks were fraudulent, and Wells Fargo deducted the entire {$2200.00} from my account. This left my account overdrawn by {$1400.00}, holding me responsible for their lack of due diligence. Despite the bank 's failure to detect the fraudulent checks or notify me of any issues, they credited my account with the full amount without conducting proper verifications. As a consumer with no expertise in banking procedures, I question how I could be expected to identify fake checks. Additionally, I filed a claim with the bank, which was unjustly denied without explanation. 

I am filing this complaint with the Consumer Financial Protection Bureau to seek justice and resolution in this matter.
Product: Credit card

Upon review of phone messages and credit report I discovered another fraudulent credit card account opened in my name through Kohl 's department store. 
At the date of this complaint XX/XX/2024 I have tried to reach out to both Kohl 's credit card customer service and the fraud department and no one has been able to accept and process my claim. 
I did send an email earlier this week to the Kohl 's fraud department and explained this to them but have yet to hear back, however collection calls are increasing to my phone via automated messages. 
I did not open a credit card with Kohl 's recently and have also experienced a fraudulent account opened with them in the past. 
I am including my FTC affidavit as proof of identity theft and also to let Kohl 's know that all XXXX credit bureaus have all been alerted to this fraudulent activity as well. 

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

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that need to be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX 



I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Credit card or prepaid card

The company listed below closed my account, I did not request this account to be closed. There has been a mis understanding and I, The consumer am requesting for my account to be re opened asap Account Name XXXX XXXX XXXX
Product: Mortgage

I started my communication with XXXX XXXX with Wallick and Volk at XXXX XXXX Texas on XX/XX/2019, after a phone call and a few emails I decided to apply using their web site so they can review my application and at some point I was hopping to ear back from her or their team with some response or any news event if they were bad news. Well to this point I haven't hear from them, I went back to their web site and can not log in. I am so worry because I uploaded ( more that a year ago ) my financial and personal info and never hear o get an email from this company again. I not so sure if my personal info has been protected as prescribed by the law. The worse customer service I ever had, but just want to post this review to alert others individuals if you want to use this Wallick & Volk companyTHINK TWICE..!!!
Product: Debt collection

On XX/XX/year> I went to purchase a back brace from XXXX XXXX XXXX XXXX XXXX XXXX The next day I was putting on my brace and saw that there was a hole in it. So I went back and she fixed the problems for me. Not even 2 weeks later. There was another hole. I went and contacted my credit card company and did a dispute and that was on XX/XX/year>. The case was closed on XX/XX/year>. In my favor. I paid {$95.00} and my health care insurance paid {$510.00}. You are not allowed to receive your product unless your insurance paid for it and you paid the 20 %.. then at end of XXXX I received a collection debt from First Federal Credit Control XXXX Inc indicating that I owe {$490.00} A couple weeks later I contacted them to inform them on the fact that my health insurance paid the difference. The lady indicated it's my responsibility to contact XXXX XXXX. I let her know it's her job not mine. Then last week I contacted my health insurance which is XXXX XXXX to inform them on what was going on. She proceeds to tell me that they have not received any bills from XXXX XXXX. The customer service rep said she's going to contact XXXX XXXX. Which she did, she called me back to let me know that they said they are investigated on their end and would follow up. I was not comfortable with that. This is why I reached out to you guys.. 

Thank you for your time and help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Attempted to get my online free credit report from EQUIFAX. 
Website indicated there was a problem and instructed me to call the Equifax Customer Care Team at XXXX. 
Representative ( no name given ) sent me links so I could send a picture of my drivers license and a selfie. 
I attempted to send the pictures and the application failed to accept the pictures 4 times using 3 links sent by EQuifax. 
Equifax Customer Representative offered to tell me how to send in documentation by USPS. 
I've done this before and recieved no response and it was of no value. 
It is an abusive process. 
EQUIFAX appears to be making the process so difficult or inoperable that consumers will give up. 
I want my EQUIFAX credit report online. 
The abusive obstacles EQUIFAX uses are harmful because it encourages consumers to just give up. 
This places consumers, trying to act responsibly, AT RISK.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance {$7500.00}