23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX I contacted Regions Bank regarding XXXXwo fraudulent ATM charges and two ACH fraudulent charges. Regions immediately canceled my card and advise me to go into their XXXX XXXX TX branch to close my account, open a new account and obtain a new ATM card. On XXXX it took me 1 hour to drive there and advised the bank in XXXX XXXX. *I was told that my account would be closed on XXXX. On XXXX, I called XXXX XXXX XXXX XXXX in the XXXX branch and advised my account was not closed. He advised it would be closed that evening. On XXXX, I spoke with XXXX XXXX inquiring as to why my account was not closed as another charge was on my account. He assured me that the old account would be closed immediately. On XX/XX/year>, a check for {$700.00} was submitted to the OLD account and XXXX XXXX advised he would transfer {$810.00} from my NEW account to cover the check/charges and confirmed he would close the account. *This was never done. On XXXX I called XXXX XXXX as I noticed he did not* transfer the funds as indicated and the check was RETURNED. XXXX XXXX said he doesn't know why the check was returned and he did not follow through on the transfer until the XX/XX/year>. Thus, the check " bounced ''. Regions Bank is charging me excessive fees ( checks, NSF, and other fees ) and failing to perform what was promised. I feel that Regions owe me for the costs of the checks as well as the frustration and illegal withdrawal of funds via ACH that I never authorized. As of XXXX the account is not closed. There are continuous bank fees that are not mine. I can not get anyone else from Regions to call me -- I've even made a complaint at the corporate level with no response as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have attached the dispute letters that were sent to XXXX, XXXX, and Equifax, which they failed to respond to. Could you please address this issue with them on my behalf? Their lack of response is a clear violation of FCRA regulations, as they are required by law to conduct a proper investigation and provide an answer. 

Thank you for your assistance in resolving this matter.
Product: Mortgage

My wife and I have mortage with Wells Fargo and had a life insurance policy on mortgage which when she past away the bank refused to pay insurance policy. they have lied created documents with a computer and forge our names to false documents .im sure were not the only ones that have been screwed by this bank because the stealing and lying starts at the top of the bank and goes to the bottom. this bank needs to be checked by the federal authoritys and have the people jailed and the insurance department of bank closed .We paid on this policy for five years and received nothing but greive from this bank. I have all false papers they have sent me they do not have a single paper signed in ink by me or my wife XXXX, only computer made papers they created. they took our names off the original contract and pasted the names on these false papers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Negative Items from Credit Report Dear CFPD I hope this letter finds you well. I am writing to formally request the removal of all negative items from my credit report maintained by Experian Information Solutions , Inc. As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which allows me to dispute any incomplete or inaccurate information in my credit file.

Recently, I learned about the Bureau 's lawsuit against Experian for multiple violations of the FCRA, including their failure to properly conduct reinvestigations and their inadequate handling of consumer disputes. Given these serious allegations, I believe it is imperative that my credit report be thoroughly reviewed for accuracy and fairness. 

**Request for Removal of Negative Items : ** XXXX. **List of Negative Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late payment that shouldn't be late. account numbers and details. ] XXXX. **Justification for Removal : ** I assert that these items are either inaccurate, incomplete, or unverifiable. Given the allegations against Experian regarding their failure to maintain accurate records and provide adequate notice of dispute results, I kindly request that all negative items be removed from my report. 

I ask that you initiate an immediate investigation into this matter. Under the FCRA, Experian is required to forward my dispute to the original furnishers of this information and to conduct a thorough reinvestigation. I expect a written response detailing the results of this investigation. 

As a consumer, I trust that my request will be taken seriously and handled with urgency. I look forward to your prompt response confirming the receipt of this letter and the actions that will be taken regarding my request. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Debt collection

To whom it may concern, I had two XXXX  one dated XX/XX/XXXXXXXX  the other dated XXXX XXXX. I received a call in XXXX from a collection agency to pay the remaining balance of {$400.00} that they quoted me. I have the receipt in my XXXX account transaction record for a payment to IC System on XX/XX/XXXX the company in question which I have attached below. I assumed the account to be paid in full and received no further communication that I can recall either phone or mail. Today ( XX/XX/XXXX ) I received a call from the collection agency stating I owed them {$400.00} for the services rendered on the above dates. I informed them that I would return their call after checking my records that I believed that bill to be paid. As it had been over a year I had not given it much thought in some time. After finding the payment in my HSA account I contacted the provider XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The agent looked up my account and initially told me that the XX/XX/XXXX date I still owed {$100.00} and that XX/XX/XXXX was paid in full. He then asked to place me on hold to check the account further. After he returned to the line he stated that I actually only owed {$56.00} and he saw it turned over to collection to IC System in XXXX of XXXX with no further info after that. I have not received any itemized bills for this nor any other communication that any balance remained from either the provider or the collection agency until today a year and a half later. I was also not been given an account number or any type of identification for the actual account by either party during today 's calls.
Product: Credit card or prepaid card

XXXX credit card statement lists a Late Payment Warning as follows : " If we do not receive your minimum payment by ___date___ you may have to pay up to a {$40.00} late fee. " This sentence does not specify a time deadline on the given date. But apparently there IS a time deadline of XXXX XXXX. It is mentioned in the very tiny fine print on the back side of the last page of the statement -- not something people tend to look at. 

My complaint is that this is intentionally misleading! People like myself who login online and make payment on the due date at say XXXX XXXX, are then unsuspectingly hit with a late fee. Because I knew I had paid on time, I did not realize until much later that I had incurred a late fee. By that time, I had incurred an additional late fee for the late fee! 

XXXX should be more transparent about their payment deadline, and they should not be allowed to charge late fees if they make the above statement without any specification of a TIME deadline on the due date.
Product: Credit card or prepaid card

Around XX/XX/2018 By Phone one Scam phone we get from the company ( XXXX XXXX XXXX XXXX ) They pretend they calling from XXXX & like to extend our car repair warranty, they get our credit card information over the phone. they charge me {$160.00} on XX/XX/2018. they told us if we like to change our mind just need to call XXXX to cancel any time with XXXX refund. 
in the time i call local XXXX dealership. i find out that they are not affiliated with XXXX. i research in XXXX and read the XXXX review. i find out they are scam and to many people complaint about that. 
i immediately Call the XXXX XXXX XXXX XXXX to cancel my order and refund my money but they hang my 2,3, calls. then i call from different number when they answer my call i told them to cancel my order. they told me it cancel already on XX/XX/2018. 
i report To BANK OF America Credit card immediately about i get scammed.with credit card ending XXXX ( old Bank of america card ). 
XXXX XXXX XXXX XXXX did't refund my money but they start charging more money from my card without my permission. 
i report Bank Of America To many time about my credit card information is compromised. Bank of america did't did any afferd. After charging 3 time i call bank of america to open dispute. i ask bank of america to change my credit card with new number. finally i get new card with ending ( XXXX ) i told BOA to block this merchant from my account. bank did't did anything. 
i have to call to many time to Bank of america for dispute update. Bank put me on hold for hours and transfer my in different different department. 
BANK of america told me try to reached merchant again, i did. but merchat XXXX XXXX XXXX XXXX ) is very scamy and froud they hang call they lough on me. and didt't help me to refund my money. XXXX XXXX XXXX XXXX ) start taking about my family also they are bunch of unprofessional fraud. 
After calling to many time XXXX XXXX XXXX XXXX, i find their email and also send the notice to them by email to refund my money. 

BANK of america Harassment me also as they not helping me to get my money back. 
they open the dispute. 
BANK of america told me to go local branch in XXXX and sign and fax some documents. 
i went to the branch and meet mr XXXX. he told me his fax machine is not working come later. 
i went again in the evening and sign some documents. branch fax that documents to their BANK of america fraud department. 

now BANK of america close the case in favor of scammer. 
bank of america not accepting my proof i did on time to cancel this merchant by phone. 

BANK of america didt provide me any documents where i sign with merchant about their policy. 

i did ; t sign any document with merchant. 

the bad thing is BANK of america helping scammer/fraud beside helping the customer. 

This is complete harassment for my all family from last 3 month. this harassment are by BANK of america and scam auto company ( XXXX XXXX XXXX XXXX )
Product: Debt collection

XXXX is attempting to collect a debt that they do not own. 

I contacted XXXX XXXX and the financial company XXXX XXXX  and they informed me that the debt was charged off and sold to XXXX XXXX XXXX. 

XXXX has resorted to harassing me, my husband, my father-in-law, and my mother-in-law every single day. I have spoken with an agent there, XXXX, and she calls everyday despite me asking them to stop.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularlyin light of the recent CFPB lawsuit highlightingsignificant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financialinstitutionand Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactionswas unfeasible. The CFPB 's findings indicatethat Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerableto scams. This lack of accountability andtransparency is unacceptable andraises seriousconcerns about consumer safety.
Product: Mortgage

I am currently trying too close on escrow selling my home and my mortgage company PENNYMAC made an error and reported a partial claim on my home to HUD and recorded to the county that was denied. I have tried for a month to get resolved and nothing is happening. I have been told over a dozen times someone would call me back and no one has called me. I have gotten my closing title agent to call and emails sent and no answer. I received a email from a supervisor XXXX XXXX from PENNYMAC stating he had his team escalate to HUD to get partial claim removed and updated and nothing has been done. XXXX XXXX from PENNYMAC hasnt returned any emails and no calls from him updating me on a status of what is going on. I was suppose too close on escrow on XX/XX/2023 and today I still havent closed. The buyers of my home has put in notice where they are living and needs to move into home and cant. This is a great inconvenience and unprofessional of PENNYMAC and their error that is causing me mental and financial anguish. I have had XXXX XXXX XXXX and my XXXX XXXX has been high for past XXXX weeks while trying to get this resolved. I am disgusted and frustrated with error from PENNYMAC that they are slow too fix.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Based on. 
15 U.S. Code 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 resulted 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 identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOL 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 XXXX the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer XXXX agency WRITTEN CONSENT to report anything on my consumer report which viol rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXXXXXX XXXX, Act Name : XXXX XXXX  Act Name : XXXX, Act Name : XXXX XXXX XXXX XXXX , Act Name : XXXXXXXX XXXX , Act Name : XXXX XXXX XXXX  , Act Name : XXXX, Act Name XXXX XXXX, Act Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX, Act Name : XXXX XXXX Act Name : XXXXXXXX XXXX, Inquiries : 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple and I mean multiple inquiries regarding my credit report which I do not have any idea who has been inquiring what I do know is the Department of Homeland Security has been harassing me and defending my character for two years now that is according to the local police XXXX I've not done anything wrong but I have the Department of Homeland Security harassing me and trying to feed my character to multiple companies that I've done business with they're using these multiple companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to be able to gather personal information of mine and use it against me and attack me they called a Capital One and they ordered capital One to not renew one of my credit cards I want Some people held accountable right now whoever it is in this government that's doing this I want them exposed and I wan na know who it is so I can make it public for the world to know what's going on
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I have the right under 15 USC 1681. XXXX is govern by USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did NOT give XXXX written permission to furnish these accounts! 
XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 DELETE ACCOUNTS!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulant accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

The said company is LVNV FUNDING LLC - XXXX. XXXX  XXXX XXXX, SC XXXX This company is on my credit report not once but twice and I do not know who the company is and I do not owe this company anything.I have not had any success in contact with the company and, I have contacted all three credit bureaus and waiting for a response. I am aware with the recent pandemic that crazy things are appearing on consumers credit report. However I do not know who this company is. I have NEVER applied for anything with this company and I am requesting help in finding out who this company is and why is derogatory information being displayed on my credit report in reference to this company claiming that I owe them two different amounts. No company should be able to place anything on your credit report without you applying for credit much less any derogatory information and the consumer not know who the company is or the consumer have not spoken to this company. I am sure there has to be some type of law that has been broken. I am requesting help in finding out who this company is and if the company seem feel that I owe anything, then i would like a full validation with my signature of some sort of contract that connect me to this company. and why are they listed on my credit report twice? 

Thank You for your time and your help with this matter. 
I look forward to speaking or hearing from someone soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection ( s ) nor have document records of my authorizing the following Credit Inquiries with my signature the same that appears on my Texas Driver License # XXXX. 

Inquiries An inquiry is a request for your credit history, usually when you're being considered for a line of credit. 
Inquiries Credit Inquiry XX/XX/XXXX XXXX XXXXXXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX  for acct with Portfolio Recovery I assert that this collection account is inaccurate, incomplete, and unverifiable for the following reasons : 1. No Proof of Ownership XXXX has failed to provide any valid documentation proving that I owe the alleged debt.

2. Violation of Validation Requirements : The collector has not met the legal obligation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ).

3. Potential Reporting Errors : XXXX is reporting this account without ensuring its accuracy or legitimacy, in violation of your obligations under FCRA Section 611.

I demand that XXXX : 1. Conduct a thorough reinvestigation of this account.

2. Provide me with all documentation and evidence supporting the reporting of this account.

3. Delete this account from my credit report if it can not be verified to the highest standards of accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. XXXXXXXX XXXX XXXX violating my right to privacy by listing the account # XXXX without consent and permission. I demand that XXXXXXXX XXXX XXXX  Cease and Desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. I've disputed this account multiple times. This is the last dispute before seeking litigation. I've attached my ID and SS Card, Identity Theft Report, and Cease and Desist Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a validation of debt to the collection company XXXX XXXX XXXX based out of XXXX XXXX Missouri with no success. I have attached the validation of debt letter that was mailed out to them in XXXX. I have also attached the return receipt where I mailed it off Certified mail and they failed to sign that they received letter. but how could they sign for it if they are a " closed company. '' I have googled the address and information that is on my credit report about this company and it says they are permanently closed I attached a photo of this as well. I am requesting full validation of debt because I know I dont owe this company anything. The debts they are trying to collect are from debts that my insurance company has already paid. This company has a track record of trying to collect on debt that is not owed. This is causing me alot of stress trying to get these 2 accounts off my credit reports. These accounts are causing me so much harm, I could possibly lose my job for accounts that should not be on my credit reports and its affecting me daily. XXXX XXXX The account numbers for both accounts are Account # XXXX one for the balance of {$560.00} and the other for {$480.00}. I am requesting these inaccurate accounts to be removed from my credit report Immediately!