23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home loan and my loan was sold to BSI Financial Services. On XX/XX/2021, BSI sent my insurance payment to the wrong company. They confirmed it was their mistake and as of XX/XX/2021, they have yet to make the payment. They stated they would not make payment until they were reimbursed from the company they incorrectly paid. The answer they gave me was to make another payment from my escrow account and raise my payment until they received reimbursement from the company they paid incorrectly. They gave me incorrect check numbers and USPS tracking numbers for mailed payments that were never mailed. Terrible customer service.
Product: Checking or savings account

I sent the following information request in XX/XX/XXXXof this year via certified mail and have received no response from JP Morgan Chase. I included her detailed information as well as my own in the original letter : My mother, XXXX XXXX passed away, due to a sudden illness in XX/XX/2017. I am the executor of the estate and would like to close out her checking account. The last entry in her ledger was in the amount of {$23.00} on XX/XX/17. I believe I have enclosed the necessary documentation for the estate. The account number is unavailable, she did all of her billing through an old computer that used XXXX. Please let me know if you require any additional information. Please forward a check for the balance to the address detailed below.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, doing business as Home Depot/Citibank placed a hard inquiry on my credit report without my knowledge or consent on XX/XX/2022. 

I immediately contacted all parties and requested copies of a signed authorization or recording showing I requested a line of credit increase or gave any authorization to obtain copies of my credit reports or score. 

Home Depot/Citibank may have offered a line of credit increase but never disclosed to consumers an inquiry would be placed that may impact their credit scores or rating in direct violation of the Fair Credit Reporting Act. 

I requested Home Depot/Citibank immediately reach out to the three credit bureaus and remove the hard inquiry. To date, all parties have refused and placed the consumer on a 30 - 40-minute hold to get through to a representative.
Product: Credit reporting or other personal consumer reports

From 2021 ( during XXXX ) to date, credit reporting agencies are reporting lates during a period of deferment and/or forbearance on XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelles handling the disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using my zelle numerous times and report discrepancies, my financial institution and zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPB finding indicates 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 raises serious concerns safety.
Product: Mortgage

My loan was in default due to illness, We filed a Chapter XXXX in XXXX Bankruptcy Court and paid on the plan for 3 years, We were able to get a short term loan to Buyout the Chapter XXXX, When we received the payoff letter the mortgage company had added {$14000.00} in fees that we had never been invoiced for and were not included the bankruptcy proof of claim. i contacted the mortgage company by phone, also the lender contacted them and the title agency, They were unable to explain what the fees were for, They said they needed to be paid to stop the .sale of the property. The private lender that was helping us paid the fee, I also faxed a letter requesting a breakdown of the fees. 

I received no response to my letter so I mailed it in XXXX to their address for mortgage problems. In early XXXX, I received a letter telling me that they would have an answer within 30 days. i heard nothing back so mid XXXX I sent a 3rd letter demanding the return of these funds, Yesterday I received the same form letter I had received in XXXX saying that would look into it and resolve it in 30 days..This company is extremely dishonest .There is no way to contact them as they don't answer their phone.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> FMS FINANCIAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Immediate Removal of Inaccurate Eviction Record from My Credit Report FCRA Violation Failure to Properly Report Eviction Dear FMS FINANCIAL SOLUTIONS, I am writing to formally dispute and demand the immediate removal of an inaccurate eviction record from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681. This eviction listing is incorrect, unlawful, and outdated, and it is harming my creditworthiness.

As per my rights under the FCRA, specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccurate or incomplete information on my credit report within 30 days. I request that you remove this erroneous eviction entry immediately, as it violates the following provisions : Inaccurate Information : The eviction record you are reporting is either erroneous or incomplete.

It is critical that all information listed on my credit report is both accurate and verifiable. If the eviction record can not be verified by the landlord or property manager, it must be removed from my report as a matter of law. 
2. Failure to Provide Complete Verification : Under the FCRA, any information that is not adequately verified or substantiated by documentation must be removed from the credit report. I request you provide detailed proof that this eviction record has been thoroughly verified according to the law, including any signed contracts, eviction judgments, or other relevant documentation.

3. Outdated Information : If this eviction is over seven years old, it is a violation of the FCRAs time limitations. 15 U.S.C. 1681c ( a ) ( 1 ) explicitly prohibits reporting of negative information older than seven years. If the eviction entry falls outside of this window, it must be deleted immediately.

As you are well aware, failure to comply with the FCRA may result in legal action, including but not limited to claims for damages, statutory penalties, and attorney fees under 15 U.S.C.

1681n and 1681o. I have kept records of all relevant communications and documentation regarding this matter, and I will not hesitate to take further action to protect my rights.

Please remove this eviction from my credit report within the legally mandated 30-day investigation period. If you fail to do so, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Please confirm the removal of this eviction by sending an updated copy of my credit report reflecting the corrections made. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a dispute with my bank in the middle of this pandemic and got the courage to report them to the XXXX  after retaliation towards me due to my expressed opinions on a social media platform. Yes, social media is that powerful! 

Anyway, follow me I made an announcement on linked in asking for help about issues that I was having with usaa because they were tampering with my account. They have recorded calls, I do too. 

After the announcement, funds were stolen from my account. 

I called usaa and said where are they, they told me they dont know and they cant help me! Ok, ok, ok but wheres my money? 

I filed with the XXXX, this was XX/XX/XXXX. In the middle of a pandemic. Picture stealing from your poorest customers as retalion because she cursed you out on the phone after your stole from her the first time. 

Here 's why I'm here They refunded the total amount of money per the XXXX  as they were found to be in the wrong BUT During the dispute, they blocked me from paying down the negative balance on my account, thus calling it a charge off. They plan to report the account as charge off on my credit. 

Here 's where they went wrong, I linked my USAA account to my new bank so I could see what they were doing. I have the screenshots and pictures! The rep lied and said the account was closed, guess what it's still opened!!! I'm looking at it right now! The public wont see this but the CF has an uploaded copy of my account info as of today! 

As a XXXX  veteran I wondered how could someone that I dont know hate me so much to did this? Just because I spoke about being tired of not getting my disputes handled, JUST TO FIND OUT THAT I WAS RIGHT! THEY RECENTLY LOST A SUIT AND HAD TO PAY MILLIONS TO CONSUMERS FOR NOT FILING THIER DISPUTES. THIS WAS THE REASON I WENT TO THE XXXX. I HAVE BEEN FIGHTING THIS ISSUE WITH THEM FOR 5 YEARS! RANDOM TRANSACTIONS WOULD DISAPPEAR FROM ACCOUNT AND NO ONE AT THE BANK COUKD HELP ME. IS THIS WIERD OR IS THIS XXXX NOT RIGHT!? WHICH ONE?! 

To add injury, I have the screenshots of the email that the executive team sent to me about my stimulus checks being in the closed account. What a way to treat a consumer. So now I have to wait until they decide to send it back to the IRS or if their going to steal it. If you're reading this can you find my funds. Thanx! 

I respect the banking industry so much that I got XXXX XXXX in it. I am not a fool and this was an overt act of retaliation. But why did it take all of yall against me and I still got my money back?! That means, either their are people in the system that are good or consumers are more powerful than we think! I am not a fool. There is always more good. XXXX is never supreme and dont live long!
Product: Payday loan, title loan, or personal loan

Since 2016 I have had great credit, and made on time full payments, yet this company owned by Truist Financial Company has denied any wrongdoing. I opened a checking account online, never received my routing/account number & was denied for a loan with outstanding payment history because of XXXX, XXXX & XXXX who illegally modified my credit scores to make it look like I had less than reputable history. 

Truist Financial Corporation aka LightStream was offering {$200.00} with {$500.00} in direct deposit bonuses - I have no access to my login information online, but have images of the account being registered successfully. I was denied a loan under false pretenses and given a Know Your Customer code and told to " visit a branch '' -- - no other bank forces you to come in to make a deposit, I was never mailed a debit card either!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I've noticed inaccurate information reporting on my file. This information has to be someone else 's that's close in name cause these following accounts definitely not mines, please block these accounts immediately. 

1 ) XXXX XXXX XXXX XXXX {$18000.00} 2 ) XXXX XXXX XXXX XXXX {$30000.00} 3 ) XXXX XXXX XXXX XXXX {$12000.00} 4 ) XXXX XXXX XXXX XXXX {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : Greetings. 

I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX Dispute All Inquires below from the following Lenders or Institutions was made fraudulent, please delete immediately - 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 XXXXXXXX - XXXX XXXX XXXX XXXX For the Following Reasons : No Authorized No Recognized Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX  months.
Product: Mortgage

I have asked XXXX times since XXXX for a repayment plan to get caught up with past due balance. Each time they say it is denied, found out today that they have only submitted modification requests. I asked from the beginning for a repayment plan that started a year ago. In XXXX the returned my payment. They are saying they can't help me. I have asked for the outstanding balance to be placed at the end of my loan, again denied, I have asked if there was any funding available to me, they say no. I feel they are stringing me alone until they put me in foreclosure. The is PHH mortgage
Product: Debt collection

I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges. 

See attached.
Product: Debt collection

PERSONAL INJURIES AND PHYSICAL DAMAGE TO PARTIES IN POSSESSION OF THE PROPERTY BY XXXX XXXX. 
the property was sold to us, and there is another sale done by the. attorneys hired by XXXX XXXX. we want to keep our home. attached purchase agreement and listing agreement by land contract owner of property listed in XXXX and settlement in XXXX granting deeds to family occupants of the last XXXX  years. XXXX deed by auctioneer working without qualifying broker ( illegal in NM real property sales ) appears by the counsel of the attorney who worked with service link, XXXX XXXX or other at XXXX and holthus acting on behalf of natiostar and hruting the family in a violent altercation with armed men resulting in emotional harm, physical property destruction ( broken windows and locks ) carrying a zombie deed not in the chain of title. all during pendncy of litigation, and perpetrators said been " sent by the bank to do this ''.
Product: Credit card

Discover Credit Card company has a process that is unfair to customers and needs investigation. I have had a payment agreement with Discover for the past few years. As of XX/XX/year>, I owed Discover Card a total of {$100.00}. I had been making automatic bank payments of {$190.00} monthly. I expected that Discover would only take what was due for the final payment. Instead, the took the full amount of previous payments, {$190.00}. When I called about them owing me {$91.00}, I was transferred to a department to request a refund and have future payments cancelled. It was agreed that I was due a refund and told that they would cancel future payments that were in the system to continue through XX/XX/year>. I was told that their system is set up for a certain number of payments and the system doesnt recognize that there is no longer a payment due. 

Had I not called, there would have been a {$880.00} overpayment to Discover. It is appalling that it would have likely been at least five months until Discover would have recognized the overpayment. It made me think of unclaimed money when someone dies. Generally, bank accounts are usually closed by relatives immediately following the death. It makes you wonder how many of Discover customers have been victimized by this practice.

To add to this unscrupulous practice, I was told my refund would take at least 10 working days. In this age of ACH transfers, Im not understanding the reason for the delay. 

Thank you for hearing my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked into a credit report and it shows a card that was open in XXXX from XXXX XXXX XXXX under my name. It was opened in XX/XX/2018 and is for $ XXXX.I have not opened any cards in my name and now it is showing not paid and is on my credit report. It is currently in collections. Can you please help me to know how to close this and not be against my report anymore. 

Thank you, XXXX
Product: Consumer Loan

payment arrangements were made on time as agreed to between myself a nd PNC, and yet fo r  XXXX ,  XXXX ,  XXXX  of   XXXX   payments were made on time as the letter states fro m PNC  to the CFPB. and  XXXX   XXXX  lied in that letter a few times, first all it was my call to  XXXX   XXXX  office to force  XXXX  to do his job. He now claims I offered to pay {$300.00} in   XXXX   to bring the account up to date. I do n't know where he got that from. The reason for the original complaint was tha t PNC agreed to the payment plan and   XXXX    assued me that there will be no more late pays reported to the Credi t Bureau 's. Yet for  XXXX ,  XXXX ,  XXXX  of   XXXX    XXXX  's letter proves the paymen ts were made on time but he refuses to correct the credit reporting. His actions are wrong and breaks a few credit laws. As I stated many times before make PNC release the recorded phone call and it proves I 'm right.  XXXX  lied plain and simple to me and a federal agency
Product: Debt collection

Looking at my credit report I see all my debts have been settled. Who ever garnished my wages has already garnished multiple wages from me. This debt should all be settled. The took so much money already! 

I was not notified of any wage garnishment and they are now again garnishing my wages, I don't know who is garnishing my wages! I did not get any notification. 

I have no idea how to contact them. 

Whoever did it garnished my wages already 4 or more years ago for multiple years. 

I do not know what to do. I can not afford them keep taking my wages. The debt is from more than 7 years ago. I don't know how to get a hold of anyone and have no idea who is garnishing my wages i kindly ask for your help
Product: Credit card or prepaid card

Guess someone used my info and Im just now noticing fraudulent activities
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Equifax credit report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax credit report immediately. Please remove the following- XXXX XXXX XXXX XX/XX/year> thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

1 5 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 card or prepaid card

My account has an {$8000.00} balance, in XXXX unbeknownst to me I exceeded my credit limit. I have to Citibank cards and one has texts alerts on it but the AA card did not. Citibank allowed another {$1600.00} to charged to my account even though I exceeded my credit limit. I thought credit limits stopped you from charging more purchases. Isnt that why its called a credit limit? You are limited to that amount of $ $ to spend. According to Citibank that is just their threshold of when you are then required to pay 100 % of the overcharges as your minimum due. The XX/XX/XXXX statement reflected XXXX + 1 % of total amount... .yet on XX/XX/XXXX my balance was {$2000.00} until I made a payment of {$9900.00}, which reduced my balance to {$60.00}. Over the next 3 weeks I charged {$1800.00}. My monthly autopay is set up to pay the minimum due, yet my bank account was charged {$1800.00}, which my bank denied due to NSF and now I have a NSF fee from the bank and in 30mins of talking on the phone and another hour on webchat with Citibank they will not reverse the payment and tell me its my fault because I went over my limit in XXXX and THEY kept allowing me to charge another {$2000.00} - that's 25 % of my total credit line. This is UNFAIR, DECEPTIVE, and ABUSIVE practices.
Product: Credit reporting or other personal consumer reports

Hi i just recently reviewed a copy of my credit report and notice I have fraudulent accounts from my report. Please remove these accounts from my reports, as they are hurting my animating to build and obtain credit.
Product: Debt collection

I received a bill for an account that was closed and I sent a debt validation letter to gather information and did not received any veritication letter response.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Receivables Performance Management. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Prepaid card

I attempted to pay my XXXX cell phone bill three times on XXXX  in the amounts of {$300.00} ( 2x ) and {$100.00} ( 1x ) but all three times the card was declined. I called XXXX and they said that the issue was with the gift card issuer. 

I then attempted to pay my XXXX internet bill once on XX/XX/ in the amount of {$100.00} and again the card was declined. After calling XXXX, I was told again that the issue was with the gift card issuer. 

I received the {$450.00} gift card ( ending in XXXX ) from the Exchange Team on XXXX