23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Submitted hardship packet to Flagstar on XXXX/XXXX/15 thru a HUD approved housing counselingageny XXXX. I received an acknowledgement of receipt of my hardship packet and a misisng document letter dated XXXX/XXXX/15. It indicated my lender ( Flagstar ) required updated pay stubs and 6 months of the most recent business bank statements for all accounts evidencing continuation of a business. I responded to the lender thru my housing counselor via fax with updated pay stubs on XXXX/XXXX/15. Also on the same day, my counselor confirmed with a lender representative verbally that the authorization submitted with the hardship packet had been received and advised the representative that the request for 6 months of business bank statements was invalid because I did not have a business nor did any of the documents or the hardship packet submitted indicate that I had a business. A letter was forwarded to the lender on XXXX/XXXX/15 indicating the same. I received a second request for the business bank statements dated XXXX/XXXX/15. My counselor contacted Flagstar on XXXX/XXXX/15 to follow up and was advised that they had no authorization in place. My counselor then re-faxed the authorization ( same day ). My counselor contacted Flagstar on XXXX and was advised that Flagstar still wanted 6 months of business bank statements. The representative told my counselor that my case would be closed due to non receipt of the business bank statements. My counselor advised the lender rep that a letter had been sent and the point of contact assigned to my case XX/XX/XXXX had been notified that their was an error with this request because I did not have a business and therefore could not provide the statements requested. She also asked the lender rep to bring this to the attention of both intake and underwriting so they would review the initial hardship packet again to confirm these documents were not needed. She then faxed a second letter to the lender advising I did not have a business and could not provide business bank statements on XXXX/XXXX/15 and XX/XX/XXXX15.. On XXXX/XXXX/15 my counselor contacted Flagstar and was told that my case had been closed due to non receipt of the business bank statements. She again explained that I did not have a business so could not provide the statements requested and asked that my case be reopened. The lender rep advised her that my case would go in review to determine if they would reopen and to requested my counselor call back the following day. My counselor called on XXXX/XXXX/15 and was advised that the case was again in review.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. The following accounts need to be deleted : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX I have several hard inquires on my credit the need to be removed. I was in the hospital and found out only recently that someone was using my ID information to apply for credit without my knowledge. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian directly to validate all of the collection accounts on my credit report informing them of the reason why those items were not accurate and within XXXX business days they responded that all of the account were to remain on my account. When asked for validation or proof that this information was accurate, they stated i can dispute everything over again, but they have nothing they can provide me that proves the accounts are accurate.
Product: Money transfer, virtual currency, or money service

I am 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 user vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get this accounts removed from my credit report, I read up on consumer laws and it states according to the 15 u s.c. 1692 that's these shouldn't be on my report. Please Help me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They have unlawfully added these accounts on my credit report. Thanks In Advance
Product: Money transfer, virtual currency, or money service

I have a XXXX account and my bank PNC will not allow a link or transfers from my account to my XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 50 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.
Product: Money transfer, virtual currency, or money service

Have contacted Western Union at XXXX to find out about the status of my refund of {$6000.00}. 
On XX/XX/XXXX XXXX opened a case for the refund : number XXXX. 
Then on XX/XX/XXXX XXXX told me that the check had been processed on XX/XX/XXXX and was mailed to my address so give it about 5 to 7 days. 
Called again on XX/XX/XXXX and XXXX told me that they were working days not calendar days and would probably receive it by XX/XX/XXXX. 
Today XX/XX/XXXX called once again and now XXXX told me that the transaction was under review. 

Since the money transfer was on XX/XX/XXXX I feel that they are giving me the runaround and my money is in limbo.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are both reporting a balance on an account that was settled several months ago. The account is XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft, and I have reported this matter to the authorities. It is perplexing that while other credit bureaus have promptly recognized and removed these fraudulent accounts, TransUnion appears to be ignoring my legitimate requests. 
List of Fraudulent Accounts : XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records.. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXXXXXFRAUD, PLEASE DELETE!!! 
The Fair Credit Reporting Act ( FCRA ) grants consumers the right to accurate and fair reporting of their credit history. I demand an immediate and thorough investigation into these matters, with the removal of the fraudulent accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing 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 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 air resolution requirements under the electronic fund transfer act. ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I've contacted National credit adjusters numerous times to validate my debt because they are reporting inaccurate information on two accounts which include amount owed and accurate dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and received mailed notice from Barclays Bank stating they needed additional information. They requested copies of my current drivers license, copy of utility bill, and copy of my social security number. Although I had reservations about providing my SSN, I did send them the first two items and a copy of my Medicare Card which clearly shows my name and social security number. After a few weeks had past, I called to find out the reason for the delay in issuing my card. They insisted that they must have the copy of my social security card in order to process the application. 

Since the information they requested was to verify my identity, I offered to send them a copy of my birth certificate or any other information they needed to prove my identity and citizenship as an alternative to the social security card. My Medicare Card is should be as valid as my social security card for providing my social security number. 

As far as I know, there is no XXXX requirement that states that a financial institution MUST require its customer to provide a social security card as valid documentation in order to do business. I feel that their insistence on requiring that singular piece of identification, and one the Social Security Administration itself suggests against providing, represents an unfair trade practice by the bank. This situation could be easily avoided if Barclays would accept other primary types of identification.
Product: Credit card or prepaid card

Company : JP Morgan, Chase Date of transaction : XX/XX/2022 Amount of transaction : {$590.00} Merchant Name : XXXX XXXX  XXXX XXXX XXXX This XXXX a formal complaint with the CFPB ( Consumer Financial Protection Bureau XXXX against the Chase Disputes department regarding the charges above. Chase has first mishandled this charge by processing it as fraud, issuing me an entirely new credit card, and dismissing the charges. Approximately a month later, they reversed the charges and explained that no credit was due to be issued. I opened the dispute and the merchant responded by sending Chase a copy of a certificate containing many crucial errors. It appears that the dispute team did not even slightly review the content of the certificate, instead deemed it adequate simply because it exists. As a result, I re-opened the dispute by pointing out the errors and countered the evidence provided with documentation of my own. Yet again, Chase failed to review the contents of the proof I provided and refuses to issue me the credit. 

As of XX/XX/2022, the most recent update on the dispute is that no credit will be due to me for the following reasons : Services not being rendered as promised. 
Services were fully rendered, and no quality issues have been identified. 
No evidence of a billing error. 

In the document submission, I have directly disproved all of these points. The service was not rendered as promised because of quality issues that I clearly outlined. I paid for two pet travel certificates that must contain the correct information from an accredited veterinarian. The merchant is not only unqualified to provide this service, but also falsified the certificate in an untimely fashion -- one that I did not pay for nor agree to. I tried to contact the merchant numerous times to resolve this. 

QUALITY ISSUES : Wrong birth dates, breed colors, no weight of felines included, illegible manufacturer of feline vaccinations, and sent after flight take-off. 

DOCUMENTS INCLUDED : Travel Certificate Provided by Merchant : Displays the mistakes that prove the service was not delivered as promised. The errors have been highlighted and explained. 

Rabies and Birth Certificates of both felines : Display the correct, certified information that counter the certificate issued by the merchant. 

List of USDA accredited vets in XXXX, New York posted by XXXX : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX  ) is not listed anywhere on that document, even though she claims to be accredited. Those listed vets are the one doctors certified in issuing travel health certificates, meaning the one we issued was invalid for border passage. USDA called us shortly after receiving her incorrect, late and invalid certificate to inform us of this information. 

Additional Customer Reviews : Others have been scammed out of their money and services by this merchant. I am not the only person who has been wronged and put through very stressful situations when it comes to their beloved animals.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have Inaccurate and erroneous information on my credit file. I have n

otified Notified Trans Union on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned. They have not verified, any of the debt that they are claiming belongs to me. I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.
Product: Debt collection

The Debt does not belong to the PERSON SUBMITTING THIS COMPLAINT and corrections have been made with the IRS. 

The following requests have been made to Bank of America, N.A. 

1. To provide Form XXXX and Form XXXX in regard to letter dated XX/XX/2018. 10 days were given to finalize this request. I need these forms to file Taxes. 

2. Requested ( repeatedly ) to have communication be in writing ONLY, yet they keep calling from number XXXX and I think XXXX also belongs to them. 

Currently awaiting their written response. Thank You.
Product: Credit reporting

I disputed information with Equifax regarding XXXX accounts that report on my credit file as XXXX. It has been over 30 days and Equifax was n't able to verify the accounts with XXXX however they are still being reported on my credit file as of XXXX/XXXX/2016.
Product: Debt collection

On or about the second week of XX/XX/XXXX, I was contacted by Phoenix Financial Services, LLC ( PFSL ) concerning an alleged medical debt, in the amount of {$110.00}, that they said was incurred sometime in XXXX in XXXX XXXX Nevada. 

I don't owe this debt, was never informed of this debt, I don't live in XXXX XXXX Nevada and was never sent any debt collection information until now. When PFSL contacted me by phone at my work they did not know my current address or even knew if I was the correct person who owed this debt. 

I asked them for the following information ; 1 ) Validation of this debt by a ) send the original notice and documentation of the debt, b ) who the original creditor was, c ) actual copy of the documentation for the bill that they said was incurred showing the amount and breakdown of the services provided, 2 ) when such debt was reported on my credit report ; a ) when this was reported, b ) if my social security number was compromised by PFSL or shared with other creditors or debt collectors, c ) any correspondence or documentation with any communications from me prior to this initial contact by PFSL. 

They refused to send my " any '' validation information other than a bill that looks like a " check, '' which appears to be deceitful and deceptive. This appears to have been sold several times from other debt collectors.
Product: Mortgage

My husband and I were trying to get a modification on our house and that back in   XXXX   XXXX   is when filed for this with our HUD certified mortgage modification  counselor.  We in default on   XXXX   XXXX   because we still could n't pay in full and the modification was denied. So filed appeal because they had said that the VA said that we are in the negative balance of {$80.00} and that is what  Sun West h ad told my HUD  counselor.  I turned in the appeal so this papers were in and with all the proper documents and adding income with extra dependent that I have legal guardianship of her. So then they ask for more on   XXXX   XXXX   and extra documents plus more info on my dependent. Like Social Security info and her account info from bank.   Then in   XXXX   XXXX   they asked more specific paperwork for my dependent like if you  may pr ovide her birth certification. I just send the award letter for Social Se curity Office an d thats it.   In  XXXX  they asked again but in this wording we will require copy of birth certification or any other documents to verify the dependent 's birth date.
Product: Student loan

Hi. I had to resign from my job in XXXX XXXX to move back home to care for my sick father in XXXX, Texas. His health went into decline after my older brother passed away. After moving back to XXXX, Texas, I have struggled to find permanent employment. I have been working temporary jobs through staffing agencies, however at times I've gone from one to four months without any work assignments or income. In XXXX I ended an assignment and contacted AES/XXXX XXXX  about my financial situation. I request an Income Based Repayment Plan with them around XX/XX/2018. They verbally approved it on the phone and said they would send me additional details. I did not receive additional information requests or forms to fill out. By XXXX, I called them again to find out what the status was, however they have been charging me for late payments the whole time. In XXXX they said that they received an approval from the Department of Education 's Student Loans agency indicating that I was approved for Income Based Repayment. I uploaded copies of my paycheck stubs and Tax forms. However, AES/XXXX said they rejected me because they did not receive those documents. I asked them why they did not take that up with the StudentLoans.Gov representatives and they said they did not know. I'm now over 6 months late on payments with them and they have not gone down or been adjusted based on my income, however late fees have accumulated. I feel like they have behaved in predatory ways and steered my loans into default by creating stonewalls in every way that I tried to adjust payments based on a change in my finances. When working with federal loans, I was able to upload all requested documents online, easily. This was not the case with XXXX/AES. When working with AES/XXXX, they did not allow me to upload documents online and said they sent things in the mail and they operate by old fashioned mail only. Before moving to XXXX, I paid all of my loans responsibly and I was gainfully employed. My credit score was above 650. Today, AES/XXXX has ruined my credit score and this will make it difficult to find permanent employment since most employers in my field conduct comprehensive background screenings that include credit checks. I would like my credit to be fixed and negative marks removed by AES/XXXX, and I would like to my account to be adjusted so payments are based on income and the fact that I have other loans as well.
Product: Mortgage

For several months I have attempted get an explanation or get compensated for what I think are a set of unfair events. These events caused me to loose my home which was subsequently destroyed by fire. Wells Fargo stated that my loan was sold to another company which would not accept verification of my address as a mail box. My utility service was on at my home but the mailing address is the XXXX. XXXX which Wells Fargo had in its file for over 7 years. The only item remain to be considered for a work out was verification of utility service. The bill clearly stated that service was established at the address of the home. The request for modification was denied for this reason. my home was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified and confirmed my personal credit information was involved in Equifax data breach of XXXX. Upon review of my credit report, the following inquiries were discovered and not made by me. This is my second submission of FTC complaint and Equifax has taken no action to remove these inquiries from my credit report in violation of FCRA. I am submitting another complaint. 

These are fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX