23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had scheduled mortgage payments using the ACH system. Wells Fargo ACH system did not pick up the payments until several days after I had scheduled the payments, which caused my bank account to be overdrawn due to Wells Fargo 's delayed process for ACH payments. I have attempted to propose and execute a payment plan which includes paying all further mortgage payments via Treasurer 's check from XXXX XXXX, my bank. I was in the process of executing the payment plan I had proposed when Wells Fargo had papers delivered compelling me to accept their mortgage modifications or face foreclosure. I have faxed their application and the proofs required to them. While I have a decent credit score, I have frozen my credit reports on all credit bureaus, so I would prefer not to allow any one time access of my credit report, considering I have the necessary income to make the payments according to the plan I have proposed. I intend to sue Wells Fargo if they do not properly accept the payment plan I proposed, considering it's not likely it would be an undue hardship for Wells Fargo to accept the payment plan.
Product: Checking or savings account

On Saturday, XX/XX/XXXX at around XXXX XXXX, I called Bank of America XXXX to understand my withdrawal limits. I was told that I could withdraw, {$2500.00} each 24 hour period. I go to the atm, and try to withdraw, {$2400.00} and of course, denied. 
I call Bank of America and after 45 minutes on the phone, they finally, clear my account and allow me to withdraw the money. 

On Sunday, XX/XX/XXXX, I know I need to make another withdrawal. I call Bank of America in the morning to confirm everything is all set, after waiting the 24 hour period, to withdraw another {$25000.00}. They say yes, good to go. 

I go to the ATM, denied. I call Bank of America, and they tell me to try with {$800.00} withdraw, denied. They can't figure it out and I wait 90 minutes to speak with a supervisor. The supervisor tells me to try a few more times, denied. The supervisor tells me to go to another ATM. I take an XXXX to the other ATM, denied. I have tried now 8 times to access my own money, following Bank of America policies. 

I had people waiting for the money, who I know have to pay extra, because, this is 3 hours later.

After almost four hours on hold, and people trying different things, I had to go to a different banks ATM. I was charged a fee, and had to do multiple transitions as the ATM only allowed {$500.00} withdraw at once. That means I was charged multiple fees. 

I went into the bran the next business day, XX/XX/XXXX and I was told the manager is out and no one can help me. 

I called Bank of America again, to figure out what happened and close my accounts. In order to close my accounts, I needed to speak with someone on the investment side. They were supposed to call within 72 hours, never called.

I followed all of Bank of America 's policies, waited 24 hours the limit, etc. 

I am now out {$150.00}, that I had to pay people for waiting for me to get the money, two XXXX rides, and XXXX plus hours of my time, I don't have the funds for a lawyer and need assistance holding Bank of America responsible.
Product: Debt collection

In XX/XX/2019, I received a notice from XXXX that I had a negative account added to my reports. Upon reviewing my reports I noticed a {$120.00} collection from XXXX XXXX XXXX severely dropping my score. I never received any type of communication about this alleged debt. I decided to send the collection agency a dispute letter requesting debt validation. I got a response from Collection Bureau of Ft Walton Beach requesting that I send in a medical release form, and that if I don't they will see any future communications from me as " irrelevant and frivolous. '' The debt is not mine I have never heard of neither the collection bureau or the original creditor nor have I've never heard of sending release forms and affadavits to a collection agency to get validation. They are bound by law to either validate this debt or cease reporting/collecting and have it removed from my reports. I take my credit and identity very seriously.
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX To Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHED A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concern regarding Zelles handling of disputes. Most importantly, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle plenty of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. This lack of accountability and transparency raises serious concerns as a customer about our safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please deleted the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXXXXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The Innovis credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person responsible for the charges made on the accounts. XXXX, Experian, XXXX  put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ),
Product: Debt collection

I live in a XXXX family home, since Ive been here Ive had problems with people stealing out of my mailbox, cards disappearing and more and in that time I had to get a police report. After that, I did apply for the usps ( inform me ) in which notifies me of mail. When that account with XXXX was open I had XXXX XXXX cable company and not XXXX. When I applied for XXXX After having XXXX XXXX. I was told that I already had an account with them. Which is false. Ive tried disputing it but recently they sold my information to another creditor which came back onto my credit report, that eventually affected my score making it drop once again when I was in the middle of trying to get a home loan for me and my family.
Product: Mortgage

I refinanced my home with XXXX XXXX. 
Green tree asked for 2 months of interest as well as 2 months of mortgage insurance to close my loan. 

They had XXXX in my escrow account at the time. 

Asking XXXX to close a loan, when you really only need XXXX ( interest ) makes it almost impossible for someone to be able to get the cash together to close on a refinance. They actually try to trap you with them as your mortgage holder. 

They also told me ( despite the proof of wire xfer ) that they had not received my money on Friday from the escrow company. 

Paying ANY mortgage insurance upfront is unnecessary as they have a balance in the account and will not be paying any future MI on my behalf. It is just a ruse to be able to float my money. 

First rep said they would refund me in 5-7 business days. Another one said 14 business days. Now it is 30 business days. No one would give it to me in writing. 

How are they able to behave this way? 

Forwarding to them will be useless - they are useless and nasty on the phone. And they lie. 
in 30 days someone will respond and say " we are looking into your request '' in a generic, boilerplate letter, with no contact information other than the XXXX number where you get nasty people. 

Go ahead and submit to them. I have refinanced, and I will do my best to bring any legal action against them that I can. Worst loan servicer ... Ever ... Nasty, unscrupulous and they lie.
Product: Checking or savings account

I am the owner and operator of a former business, XXXX XXXX XXXX, and we have our bank account with TD Bank. Due to COVID-19, the business has been closed. As a result, I have made multiple requests to TD Bank to close our bank account and have the remaning funds returned to me ( my investment, and I opened the account originally ). They informed me that I must come to a branch in person to close the account, which I am unable to do due to health reasons and concerns around COVID-19. TD Bank 's customer service has continually refused to close my account, demanding that I come into a branch. There is a global pandemic happening, and certain people are at a high-risk. The XXXX has specifically recommended that high-risk individuals avoid public areas/gatherings, and TD Bank has refused to accommodate this. I have contacted the local news stations as well, including XXXX and XXXX XXXX, to broaden the story of TD Bank 's refusal to close bank accounts and making it extremely difficult to retrieve your funds. I am actively in discussions with reporters on this story and they are performing further due diligence. During a global pandemic, TD Bank 's behavior is borderline criminal and should be investigated by the CFPB.
Product: Vehicle loan or lease

I purchased a vehicle from Carvana in 2019. My account was assigned without my knowledge to XXXX. I was recently looking over my car contract with Carvana and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from XXXX after sending a cease & desist. They are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement.
Product: Debt collection

I have dispute a debt with XXXX XXXX regarding account # XXXX and told this company that this debt is no mind and ask them to send me a debt validation and a sign contract. To no avail, I haven't received any correndence. They address that they have is wrong. I received an email from them with an address that I have never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible Financial is reporting a debt on my credit file that needs to be removed. I took a look at my credit and noticed this debt was reporting. I do not recognize this account and I never applied for a loan with Possible Financial, I never even heard of possible financial. This account is not mine and must be removed.
Product: Debt collection

On XX/XX/2022 I sent Capital One a Notice of Rescission letter.In response, Capital One then sent me a letter in the mail acknowledging my account being in a cease and desist status and stated they will not communicate with me in regards to any debt collection. Yet Capital One has still been sending monthly statements in attempt to collect a debt in the amount of {$16000.00}. This has caused me financial injury and suffering and i am demanding monetary compensation immediately for violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/ I have noticed XXXX XXXX  CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now IT HAS BEEN MONTHS NO RESPONSE RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 602 A states I have the right to privacy.

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

I have attached XXXX FTC reports with accounts and inquiries I did not authorize and need to have them deleted asap they are affecting my chances of buying a house. Please also update my personal information
Product: Debt collection

I received a letter stating my information was stolen in a data leak. Didn't think to much of it. a few months later I was contacted by affirm stating I have a balance due with them. They gave me the creditor information and it was for a break job on a vehicle I don't own.The creditor also explained the debt was paid in full but not through affirm. They told me they couldn't help me any further and stated I had to contact Affirm. I asked Affirm for a copy of the contract that they couldn't produce and have now put it on my credit and it's affecting me in dramatically. I would like this debt removed because it has damaged my credit report drastically.
Product: Debt collection

I ordered a copy of my most recent credit report and discovered that there is a collection account on my credit agency report that I do not recognize, I have never had an account with them, and I have not received any communication from them in reference to this supposed account. Upon further investigation on my own this collection agency is not licensed or registered in South Carolina to collect debts.
Product: Debt collection

I had fund taken out of my account with no prior warning, company is stating that i was served with a letter, that never happen. 

I never applied for a credit card or loan with XXXX XXXX  XXXX. 

XXXX Rubin and rothman llc # XXXX
Product: Debt collection

I was notified by my credit card company that I had something added to my credit report. I checked and its a negative reporting from Procollect Inc. I have never been contacted by them or sent any information. I never received anything from the apt complex I moved out of either. I tried calling procollect and was told I owe it and thats all. Nothing makes any sense as I have an email from the manager of the complex stating I wouldnt be charged for damages in the apt because it was caused by the machines they installed flooding the apt and the company they sent in then damaged the floors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.