23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern. I am simply requesting my initial closing documents dating back to late XXXX on my single family residence purchase. I have observed strange occurrences, and I will need to take a deeper look into the matter. I unfortunately was a victim of predatory lending then, and have witnessed some unscrupulous activities and bank transactions. 

Secondly, I'd like to have copies of my Truth In Lending documents, as it is apparent that my loan did not reflect what was conveyed in the aforementioned. 

XXXX I kindly request all of the documents and/statementsor pertaining to the loan prior to and following both my first Modification in XXXX, and the second in XXXX. 

In addition to this, I would like to request all documents and correspondences sent from your office, including notes of our phone conversations. if possible from XXXX to XXXX. 

Another issue I'd like to bring to the forefront is my redundant closings within a very short period of time ; in which I expended upwards of {$10000.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my husband and I purchased a car from a company online. We sent a wire transfer from our bank, XXXX to an escrow account at Wells Fargo. The company would not receive the money till we received the car. On XX/XX/2022, I received a phone call from XXXX from Wells Fargo that there was a problem with the wire. I called the fraud department back and was told that our money was safe in the escrow account at Wells Fargo and were told to go back to our bank, XXXX and have them do a recall on the wire so we could get our money returned. Unfortunately, XXXX XXXX  performed 4 recalls and each time Wells Fargo ignored the recall. On XX/XX/XXXX, I went to our local police department to see if they could get anywhere. Unfortunately, they were told that the money was gone and we weren't getting it back. It is now XXXX and I can't find anyone to help me in this matter. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company restarted the loan. They also keep reapplying the same loan to my credit profile and increasing the amount to try to purposefully deplete my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of 2 children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX
Product: Checking or savings account

Capital one is violating the EEFA by not posting direct deposit. I dont care what technical difficulties they are experiencing, they should have backups in place to protect customers. I have bills to pay and creditors who do not care than my bank is withholding my funds.
Product: Credit card

I have always made sure that payments on this account are made promptly, ensuring that they are never overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos XXXX XXXX XXXXXXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Mortgage

In reference to my loan ending in XXXX. Bank of America has the deceptive practice of sending emails for many years that indicate that if I do not respond to this email I will automatically be put on paperless billing. Recently I missed these emails and as a result I did not receive a bill for the months of XXXX and XXXX. I was sent a notice of intent to foreclose, for the first time in my life. I was charged late fees of {$41.00}. Bank of America also reported this delinquency to the credit agencies and again for the first time in my life my credit score dropped below XXXX and is now preventing me from qualifying for new loans. 

I did not ask to be on paperless billing, I will never ask to be on paperless billing. I was unwittingly placed in this program. It is deceptive and not my fault. The moment I received the notice of intent from Bank of America I paid the balance in full, and am current on the account.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding inaccurate collection accounts that have been reported on my credit file by all three major credit bureausXXXX, Equifax, and XXXX. These accounts do not belong to me, and despite multiple disputes, the credit bureaus continue to verify them as accurate without providing proper validation. 

Details of the Issue : The credit bureaus are reporting collection accounts that are not mine. 
I have disputed these accounts multiple times, yet they remain on my report as verified without sufficient proof of their legitimacy. 
I have requested that the bureaus provide documentation showing that these accounts are valid and belong to me, but I have not received any adequate response. 
These inaccuracies are negatively impacting my credit score and financial standing. 

Actions Taken by Me : I formally disputed these accounts with XXXX, Equifax, and XXXX. 
I requested verification and supporting documentation for these accounts. 
Despite my disputes, the bureaus continue to report the collections as accurate without proper validation. 

Requested Resolution : I request a thorough investigation into these accounts. 
If the bureaus can not provide proper documentation proving that these accounts belong to me, they should be immediately removed from my credit reports. 
I request that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and provide a clear explanation of their verification process. 

This matter is urgent as it is affecting my financial opportunities. I expect a timely resolution in compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX
Product: Debt collection

I rent an apartment from XXXX XXXX XXXX XXXX XXXXXXXX, under a rental agreement for a year, XXXX days later from my residence at the apartment i sent an official email to the management company to breakup the lease with a 30 days notice and I asked for a clearance letter from them, after a month and after I payed off the entire balance, i spoke with the office manager to leave the apartment she came and checked the apartment and i left the keys with her, and i make to clear her if i owe more money she said nothing you are good to go and if you owe us anything you will see it online 6 month later I figured that the company transferred me to a collection agency and they reported me on the credit bureau without any further notice or a letter or a phone prior yo their action and when i spoke with them over the phone they said that they sent a letter to me to a wrong address, however the XXXX  knows my residence address i made it clear to the them before i left that my mailing address based on my license and was mentioned on the lease at New Jersey, when i spoke recently with the management company of the company they said spoke with the collection agency they can not do anything and also they dont want to provide me with what they i owe to them which I figured from the collection agency {$890.00} which i paid what i owe before i left the complex via my bank account
Product: Checking or savings account

They stole my money my opening deposit and lied to me and said they would mail my debit card I havent received anything from them by mail as promised and when I call they refuse to tell me why my account is blocked they wont tell me whats going on by mail or phone how is this fair
Product: Credit card

I am writing to file a formal complaint against Chase Bank regarding their failure to provide the promised bonus offer upon meeting the requirements for the Chase Freedom Credit Card. I believe that Chase has engaged in unfair and deceptive practices by not fulfilling the offer stated on their official website during my application process. 

On or around XX/XX/2023, I applied for a Chase Freedom Credit Card through the official Chase website. The website clearly displayed the New Card Member Offer, stating that I would earn a {$200.00} bonus after spending {$500.00} within the first XXXX months of opening the account. The offer was a significant incentive for me to choose Chase as my credit card provider, and I proceeded with the application based on this offer. 

After diligently using the Chase Freedom Credit Card and spending well over the required {$500.00} within the specified timeframe, I noticed that the promised bonus was not credited to my account. Concerned about the discrepancy, I promptly contacted Chase 's customer service department via email to inquire about the missing bonus. 

To my surprise, the response from Chase 's customer service team was highly unsatisfactory. They claimed that the offer I mentioned was not included in the offers associated with my card. However, I applied for the credit card through the official Chase website, where the {$200.00} bonus offer was prominently displayed. It is perplexing and misleading that Chase would advertise an offer on their website and then deny its existence when customers meet the stated requirements. 

Despite my attempts to seek clarification and a clear explanation as to why I was deemed ineligible for the bonus, Chase failed to provide a satisfactory response. Instead, they closed the inquiry without addressing my concerns adequately. As a new customer who followed the prescribed application process and relied on the information provided by Chase, I believe that their conduct is unfair, deceptive, and in violation of consumer protection regulations. 

In light of the aforementioned circumstances, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I urge Chase to rectify the situation by honoring the promised bonus offer and providing a clear explanation for their misleading advertising practices. Additionally, I request that appropriate action be taken against Chase to prevent similar incidents from occurring in the future and to ensure fair treatment of all consumers. 

Enclosed with this complaint, please find relevant documentation, including screenshots of the Chase website displaying the bonus offer, as well as copies of email correspondence with Chase 's customer service department. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this issue and protect consumer rights. I look forward to a prompt resolution and a satisfactory outcome. 

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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}
Product: Student loan

I applied for the loan forgiveness plan ( XXXX  ). I submitted all required information. 
I received a letter from MOHELA stating that I have one final payment. 
( XXXX XXXX ). Recently, I received a letter from MOHELA with a payment plan for 12 months. ( XXXX, XXXX  ) MOHELA is not abiding by the letter that they sent me regarding XXXX final payment..
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer, safety. This is egregious and unfair.
Product: Checking or savings account

I had payed over XXXX dollars in XXXX to a sneaker website that had actually scammed me out of my money. I never got the product that I had payed for and was basically out of XXXX dollars.
Product: Mortgage

In between XXXX XXXX  I refinanced my mortgage through a mortgage refinance company from XXXXXXXX XXXX to Flagstar Bank XXXX Did not notice this addition to my principal until In checking my bank statement I noticed that a second principal was listed in the amount of {$29000.00}. I called the Bank and spoke with a customer service representative and she could not explain the second principle amount and told me that she would have someone call to explain it. That never happened. I then looked at the closing documents and found that mount deferred and only financing a portion of mortgage. I can't find the closing document with the amount showingI was upset and blame myself for not asking questions or trusting the mortgage finance company who never told me or was upright with important and inform me that Flagstar didn't refinance the full mortgage and that there was a deferred amount that would require payment due for any transaction associated with the sell or refinance of my house. I was disappointed frantic and angry both at myself for not being diligent to review my documents thoroughly and catch the amount deferred. Now with the Pandemic still creating health and other problems this one I don't need. I realize that I'm senior and widow and I need some help in this mess that now is an additional problem and I also know there might not be a fix for this.
Product: Student loan

I written several letters ( between XXXX XXXX XXXX ) to fed loan XXXX that I would like proof that I owe them money for this so called student loan that I supposedly have. I have requested the original loan ( that I supposedly have with fed loan ) agreement with my signature in black ink. Fed loan has failed in my request to see the original documentation. This has had a negative impact on my credit. I would like this issue resolved as soon as possible. 

Thank You
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights causing me to be denied for housing. I have the right to privacy. A consumer reporting agencies can not furnish an account without my written instuctions. A creditor may not treat a payment on a credit account under a open end consumer plan as late for ANY PURPOSE. 

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

My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached FTC Report and remove the following unauthorized inquiries. 
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
Product: Mortgage

I've been on hold with XXXX Bank for over an hour now. I've contacted the company to attempt to confirm if my Partial Claim documents have been received and processed. I was transferred twice before speaking to XXXX in Loss Mitigation. After 20 minutes of being on hold and answering questions as presented in my first complaint submitted today, XXXX advised me that the address I read to her was the correct address to return the paperwork. XXXX further explained that she could not provide me with a number to call the XXXX office to confirm if my Partial Claim documents had been received. 
Further, she explained that she did not know how the process works in XXXX because she works at the XXXX office and everyone there is working from home. I asked XXXX if she could verify the information with someone else. I was then placed on hold for another XXXX minutes. XXXX returned to the call stating that her team lead, XXXX advised her that the XXXX, TX office did not have a phone number for her or me to call to verify the documents had been received. XXXX stated she would call me back with an update but didn't know how even to begin and that I should XXXX to look for the telephone number for the XXXX office? XXXX advised me that no updates show the documents were received and that she could not do anything and did not know where to find the information because her team had never contacted the XXXX, Texas office. I explained to XXXX that I just needed to confirm the documents were received. XXXX asked for my consent to call me back within seven days and that she would research my situation and get back to me within XXXX days. My consent was given - but in all the times XXXX has committed to call me back - I have yet to receive one call back. I will submit another complaint if not callback is received by the 8th business day.
Product: Credit reporting or other personal consumer reports

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

Comenity, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt of {$350.00}. In doing so, I was called a handful of times, some of which were on Sunday. Here is all of the times I was called within a 7-day period. I called and asked to speak with their legal department to resolve the matter without litigation but the customer service representatives were impolite and refused to give me any transparency information. They refused to provide the address to send legal matters and refused to prove a reference number for the call. The phone number for the Comenity customer service line I dialed is XXXX at XXXX. The representative was becoming noticeably aggravated with my questioning, refused to provide any information regarding their legal department ( including address ) and hung up on me. 

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 Screenshots of the harassment are available upon request. They called me during church, work, sleeping, driving, showering, and all manners of the day at inconsistent hours. One person went as far as to call me at XXXX, because if they had called me one minute later it would have been a violation of the Fair Credit Reporting Act of 1976. The Fair Credit Reporting Act prohibits calls in excess of 7 times for any given week. It also prohibits from making calls on a Sunday or at an inconvenient hour. I believe my rights in this matter have been violated. Comenity has refused to comment, refused to provide information, and has harassed me for the past week. More information regarding this complaint is available upon request.
Product: Debt collection

Franklin Collections Service keeps calling me and also put on my credit that I owe {$600.00} to XXXX XXXX XXXX for an appointment in XXXX, on the XXXX. I advised them that this is not my debt and its inaccurate and they still placed it on my credit and they keep reaching out to me and everytime I tell the representative that its not mine, they still say I owe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX opened XXXX. XXXX, XXXX {$12000.00} I called this company left a message for someone to call me back they never called and still reporting. 
XXXX XXXXXXXX opened XXXX XXXX, XXXX {$160.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it. 
XXXX XXXX XXXX opened XXXX XXXX, XXXX {$2200.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it.