23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please see complaint XXXX submitted on XX/XX/XXXX which is improperly closed. The initial complaint was to remove a credit freeze from the Equifax credit bureau for me, XXXX XXXX XXXX, as XXXX XXXX XXXX can not pull credit for a mortgage application. Numerous calls were made to the Equifax call center through XXXX with no success, despite Equifax representatives stating repeatedly the freeze was removed. In early XXXX their data base showed the freeze lifted on XX/XX/XXXX but by the afternoon when XXXX XXXX XXXXXXXX tried to pull credit, it was still frozen. In calling Equifax again, they now wanted copies of a Social Security card & Driver 's License to be submitted. I was not prepared to do so with an unknown individual in an international outsourced service center. I was not able to talk with a manger, or talk with anyone in the US regarding this matter. Everyone I spoke to is an entry level call center representative working off a script. After the complaint referenced above I received a letter dated XX/XX/XXXX from Equifax requesting identification documents and a request letter to be sent to two different XXXX XXXX XXXX. I complied with this request and sent the materials trackable USPS. They were received as I then received another letter from Equifax dated XX/XX/XXXX with my full credit report stating the freeze was lifted. Two days later I received another letter from Equifax dated XX/XX/XXXX stating my credit was frozen again with no explanation. I was CLEAR in my written communications to them I was trying to get a freeze LIFTED. It was again frozen on the site. Additionally, there are two errors on the materials sent to me from Equifax now and on their website. They show I lived at a XXXX XXXX, VA address XX/XX/XXXX. I never lived there. They are missing my XXXX Installment loan for my XXXX XXXX XXXX which was on the site previously. They reduced my credit score by XXXX points. AGAIN, I am trying to obtain a mortgage. I can not do so. I need my credit report unfrozen, these two errors corrected and my credit score updated properly. This is unacceptable service and is directly affected my finances in a negative way through no fault of my own.
Product: Checking or savings account

On XX/XX/XXXX I received several emails from Bank of America about being approved for a checking account. When trying to call immediately no one at BOA would talk to me and said they would email paperwork to fill out to prove I am me. I went into a branch for assistance since they would not talk to me. She faxed over the info BOA emailed me with my IDS for verification and they said as of XX/XX/01 the account was frozen. I have since tried to make contact with reps at BOA who have no idea about the timeframe to review or could give any info. I requested no funds be allowed and the account to be closed however people continue to XXXX  money into this account. I now truly believe BOA is engaging in anti-money laundering and perhaps are the ones who opened a fraudulent account in my name. To date I have not received any letters from them regarding their investigation and have received terrible service and information when trying to call. I tried to go into the branch for help again and the branch does not know the process either and could not understand why they would allow funds to be deposited when I said this was fraud. My identity is important to me but clearly not to BOA as they allow illegal funds to be deposited in an account in my name that I never opened. This needs to stop and this account should be closed not frozen, or BOA should be investigated for not having a fraud process in place and allowing such a big bank to engage in fraud and not do anything about it.
Product: Mortgage

" I esculated the call to the executive office to hear from their representative XXXX XXXX that Wells Fargo is in their right to call anytime after the first of the month as I am technically in default ( delinquent ). This is the first time I have ever been harassed with a collection call on a payment due within the grace period. 

XXXX seemed not to care if I contacted the regulators such as the OCC since the OCC would side with Wells Fargo. Nor was any care about reputational risk from bad media event for harassing a good paying mortgage customer. 

I am asking that this practice of calling customers to collect debt during the grace period stop. ''
Product: Mortgage

We have been working with OCWEN Mortgage for over a year, for a Short Sale. We have been denied modification several times. Every time we are near an approval, from OCWEN, we are put on hold. Now, at the ninth hour we find out after my conference call with my new relationship Manager whom I asked specifically if we are on the Scheduled Foreclosure list on Thursday XX/XX/XXXX when our Purchaser was anxious awaiting an approval that we were not on the list, but placed on the list the very next day and then put me off until the XX/XX/XXXX when they scheduled an appointment the following day XX/XX/XXXX. OCWEN has done nothing but delay, distort and confuse me, XXXX XXXX XXXX, during the entire process. OCWEN has always acted in Bad Faith. I believe OCWEN intentionally acted in bad faith and intentional negligence to prevent me from receiving moving expenses from my family home for over 50 years. I also believe that they sent out another false inspection friend of OCWEN on Wednesday, XX/XX/XXXX when I was scheduled for sugary and made myself available to show the property to the inspector who was a friend of OCWEN and Purchases Distressed Properties and intended to Buy this Property directly from OCWEN. Given all the above we pray that OCWEN approve the existing contract for over a year, pay my moving expenses as per contract by acting in good faith for Once. 

Please help me. 

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

Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I found sports tickets on XXXX for sale. I talked with the seller via text and phone call who suggested we use XXXX through Wells Fargo for payment. Given that I had the person 's phone number, email and that I was using Wells Fargo, I figured that I would be protected. However, after I transferred the money ( XXXX dollars ) through my Wells Fargo App via XXXX, I never heard from the individual again. I promptly contacted Wells Fargo within minutes after the transaction to cancel and warn them of the scam. I provided them with his phone number, email, XXXX account, XXXX post and other bank accounts he is using for the transactions. I told them that the XXXX posting is still active as well as the email and phone number because he responded to my friend who had just reached out about the tickets again. I was told " thank you very much for all of this information, and that an investigation would be opened and that I would likely receive my money back given that this is a scam. '' However, my money was not reimbursed and no additional steps were taken y the bank to prevent this person from scamming other individuals ... even though the bank was provided with information to help shut down this scam. I reported this posting to XXXX as a scam as well. I tried reaching out to XXXX however they would not help me because I used XXXX through Wells Fargo and therefore have to issue my complaints with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted info to each credit Bureau asking them to validate Bankruptcies thats on my credit report. They did not Validate information requested to be validated.. On XX/XX/XXXX resubmitted same info to be validated in regards to Bankruptcies reporting on my credit report. I contaced my lawyer. He provided a letter stating that my ex wife is making taking care of Chapter XXXX and that the court neither the Bankruptcy courts reports anything to credit Bureaus. I contacted the court on XX/XX/XXXX and was advised that they do not report to Credit Bureaus. I am requesting all Bankruptcies being report to each Bureau Transunion, XXXX  and XXXX  to be deleted immediately. I did not give a third party consent to release any Bankruptcies information to any bureaus.
Product: Credit card or prepaid card

I failed processed the payment {$52.00} for purchase sweater from XXXX XXXX from online although they have this option, but I been noticed 2 weeks later said I was not able to processed it even I saw website shown the payment was successfully processed. One month later credit shown I have late payment and additional interest was+ {$28.00}. I payed with mailed check all of them I even over pay another {$28.00} which means I pay for the interest total {$52.00} for a {$52.00} dollar purchase. I remembered the due said I owe them $ XXXX. Now another 5 months later they sent via email says I owe another {$52.00} dollar. This is insane. Like I am paying a monthly payment for a furniture! But I just bought a sweater! This situation is ridiculous!
Product: Mortgage

We lost our home in a fire on XX/XX/2019. On XXXX the property loss division of US Bank cashed our insurance check. Through out XXXX we uploaded to the website we were asked to use all required documents. We found the required documents on the paper work they initially sent us. Since that time there has been no communication from them in any form. I have to call every time. I uploaded my final signed contract from our contractor and us on XXXX. That was the last document according to their paperwork and numerous phone calls that I needed to provide them to have completed step 1 and to receive our initial check back from them so I can pay the contractor. I called on XXXX to find out why it was not showing up on the website. I was informed their website had been down and they didn't receive it. There was no effort on their part to inform me about the website being down. This directly delayed a check being issued back to us from them. I then had to pay out of pocket to fax the contract to them. I called back and was informed they had received it and as soon as it was verified the check would be issued. I called today XXXX after I saw on the website that the contract had been reviewed only to be informed they now needed a blue print. There is no mention on the documents they gave me requiring a blue print, to be issued my initial check. I again had to pay out of pocket to have a fax sent with the house plans. I was informed this should have been included in the adjusters report that was reviewed and verified on XXXX. Another error on their part that again has delayed my initial check being issued. Their lack of communication and not providing me correct documentation in the first place stating any and all documents I need to provide them to receive my insurance claim money back has now delayed this process a second time. I feel it is a purposeful, deceitful, and malicious business practice to not give out all the information up front and to neglect contacting customers in order to keep the insurance check money as long as possible to collect interest on it.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Education Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { ALLY FINANCIAL } ran an unauthorized credit inquiry on me on XX/XX/2020. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX  XXXX XXXX and investigate such occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the consumer credit reporting agencies pointing out to them that i was Never late on any house payments. 

I have pointed out the METRO2 violations which are their industry standards I received a response back from XXXX  and Transunion that the information is accurate which UNTRUE. 

I never received any communications from XXXX XXXX XXXX. They are required to send me a written notice under RESPA if there is any delinquencies, which NEVER HAPPENED. 

if I was late I want to see proof which the lender can not provide to me. 

This is violating my consumer rights and preventing me from having access to low interest rates for a new home and vehicle. 

This company XXXX XXXX XXXX, XXXX  and Transunion MUST correct these purported late payments at this point no matter what at this company due to their gross negligence.
Product: Bank account or service

I opened an account at Citizens Bank in XXXX, NY, on XXXX/XXXX/2015. I closed the account 5 days later on XXXX/XXXX/2015 when I realized I no longer needed the account ( reconciled with my wife ). 5 days later the bank processed checks on my closed account and charged me XXXX which forced my account open. Because it was in overdraft, I was charged an overdraft fee of approx. {$35.00} and a sustained overdraft fee of XXXX each day thereafter ( after 3 days ). The overdraft notices was not sent to the correct address ( mailing address on file was incorrect ). By the time I was first aware of the problem, it had accrued to over {$100.00}. 

I do not understand how checks can be processed on a closed account. Furthermore, an immediate contact should have been made when my account was forced open, and a valid phone number was on file at the branch. In addition, when asked for proof of payoff, a " print screen '' was given to me, instead of a account activity statement showing a zero balance. This print screen, which could have been accessed at anyone having access to the printer, displayed my birthdate, age, account number, debit card number, and full social security number. This information should have been masked ( SS # and account # - PII ). 

The bank officer was XXXX and the manager was XXXX. I did pay off the account because I did not want it to continue to accrue fees, but would like reimbursement. Also, I would like to know what XXXX procedures the branch has in place to ensure proper communication of such events. Also how they protect customer information at the branch. This seems against Regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNBC/ XXXX This Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$48000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles 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 my funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 is unacceptable and raises serious concern about consumer safety
Product: Credit reporting or other personal consumer reports

To Whom It Mav Concern. 
I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party. 
As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR. 
In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX XXXX XXXX XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the XXXX against you and the third party debt collector. Thank you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Product: Debt collection

As of XXXX I was sick from XXXX and by that time cancelled my enrollment from " XXXX XXXX XXXX XXXX XXXX then was told I owe a balance of {$770.00}, which I do not due to the fact I did not pursue to further my education at that time through being sick. So my spouse emailed them for cancellation Therefore my information was transferred to " Ability Recovery Services '' and I am being harassed by early and late night calls repeatedly and it has a neg impact on my credit report saying I owe {$900.00}. I have tried other legal actions that have not worked. I would like this problem solved to get my life back on track. Thank you
Product: Checking or savings account

On XX/XX/XXXX, an employee at a Capital One branch allowed a withdrawal of {$4000.00} from my checking account. This withdrawal showed on my app as BRANCH WITHDRAWAL {$4000.00}. I called the bank on XX/XX/XXXX when I saw the withdrawal on the app. I confirmed it was not me. They put a hold on the account and said they would launch an investigation. They could not provide any information on the timeline or process. 
I called the CapOne fraud line on XX/XX/XXXX to get an update on the investigation and to inquire on how I can protect the direct deposits that were going into this compromised account. They had no update on the investigation on XX/XX/XXXX. They said the only way to withdraw is to come in for a branch withdrawal which I did later that day. When I went in person to withdraw I was asked by branch for ID. I asked the branch teller if someone could go into a branch and withdraw cash without an ID. The bank employee said no. Odd, since that is what happened on XX/XX/XXXX. They reaffirmed that ID is required for branch withdrawals. 
On XX/XX/XXXX I called the CapOne fraud line again to request an update on the investigation. The did not have one. I spoke to a fraud supervisor XXXX ( XXXX XXXX ) to ask what the policy was for returning funds that a branch employee distributed without my consent and I asked for an estimated timeline for the investigation to be complete. She had answers for neither. She said said if I wanted to complain I could write to the Capital One CEO. 
I was able to get an email to the fraud department from another employee : XXXX. When I sent a request for more information on the investigation I was sent an auto-response that they would get back to me in 60-90 business days. 
I reached out to CFPB for support. I was told that banks must complete investigations within 45 days. This is certainly not what Capital One is telling customers. 
I would appreciate CFPB 's support on this matter. It is unfair that I have to wait through a lengthy process when it is clear the fraud happened within one of their branch by their employees ( either by not following policy of asking for ID or due to some complicity ). And if I must wait for the completion of the investigation- even though I am not at fault- they should complete the investigation in 45 business days, as required by law. They should certainly not be allowed to use 60-90 business days as their Capital One policy and their fraud personnel should have some courtesy and compassion for their customers who have been defrauded by their Capital One employees.