23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX when the pandemic started I reached out to mortgage company Fay Servicing for assistance. Fay servicing offered a forbearance for 3 months for the months of XXXX, XXXX and XXXX to resume on XXXX. I received a letter from Fay servicing stating that all 3 months in the rear was due on XX/XX/XXXX along with the XXXX monthly payment I also received a foreclosure notice. I called Fay servicing in XXXX to see if I there were any other options I was told to call every week because they update their Covid-19 relief weekly and that I was still in forbearance I was told to complete a loan modification which I did and submitted to them. called every week as I was instructed to do. The first week in XXXX I was told my modification was under review and the underwriter will respond by XX/XX/XXXX. I received notification in the mail on XX/XX/XXXX stating my modification had been approved for forbearance for 3 additional months and at the end of the forbearance my monthly mortgage will be doubled for 6 months. The letter stated that I have 14 days from the date of the lette which was dated XX/XX/XXXX to appeal. I wrote an appeal and sent it certified mail on XX/XX/XXXX. I called Fay servicing on XX/XX/XXXX to see if they received my appeal and the representative said no and told me that I can email a copy of my appeal to XXXX. I emailed a copy of the appeal. I received a voicemail from my account representative XXXX XXXX on XX/XX/XXXX at XXXX XXXX stating that my appeal will not be submitted because I did not get it in by the deadline and I can not send it by email. I called Fay servicing on XX/XX/XXXX and spoke with a representative that said XXXX put in the notes that my appeal was suppose to be submitted by XX/XX/XXXX and it didn't make deadline so it will not be submitted for review. I asked to be connected to XXXX XXXX left her a voicemail stating that I mailed my appeal and I emailed her a copy of my receipt, certified mail dated XX/XX/XXXX, copy and a copy from the post office confirmation that it was delivered and picked up on XX/XX/XXXX. I didn't receive a call back from XXXX. I called again on XX/XX/XXXX and another representative said she saw in the notes my appeal was not being submitted. The representative connected me to XXXX and I explained to XXXX that I submitted my appeal in sufficient time. XXXX said on the delivery confirmation it had the wrong zipcode. I pointed out that on the receipt and certified state had the correct zip code. I also pointed out that it is ridiculous that they give 14 days to return an appeal when the postal service is not as dependent as they once were due to the pandemic. I informed XXXX that I will be contacting you all because I have complied with everything that Fay servicing has asked me to this far and they don't respond back and for them to decline my appeal after do everything that was asked of me is unacceptable. I have attached the supporting documents. Thank you in advance for your help in this matter.
Product: Checking or savings account

On XX/XX/XXXX I opened a joint checking and savings account with Citizens bank online. I deposited {$190.00} into my One deposit checking and {$1.00} into the One deposit savings with my husbands XXXX banking ( XXXX account ) I received the confirmation along with a transaction ID and my account numbers and the money was removed from my husbands bank account ( not showing pending ). 

On XX/XX/XXXX I went to log on to my Citizens online banking and saw none of the money that was deposited actually was posted into that account. so I called Citizens, the lady I spoke to stated there was no deposit made. I advised her I had the transaction Id number and it was not pending with the XXXX Bank account ( XXXX ) She said it can take a couple days to show so I was okay with that response and we ended the call. 

The very next day I was completely locked out of my online banking account and when I called they said the account has been flagged and closed and I would receive a letter in the mail stating why. 

A couple days later I received a letter, it did not state why the account was closed but that I would be receiving a check in the mail for the deposit i made. 

A couple weeks go by after no check so on XX/XX/XXXX I called Citizens bank to see what was going on with my deposit. They said when my account was closed there was a XXXX dollar balance and they don't owe me anything. I have the transaction ID as well as my bank statement showing the deposit to citizens bank. I advised the lady that was incorrect and gave her the transaction id and account numbers. She said there was nothing she could do. I am out {$200.00} and completely baffled that this is acceptable.
Product: Credit reporting or other personal consumer reports

I was not aware of these fraudulent inquiries on my consumer report and the following inquiries are a result of identity theft and was not initiated by me. I demand that they are DELETED immediately
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite have sufficient funds when transactions was authorized i was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation. Into my account. transactions.
Product: Debt collection

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent account from my credit ASAP. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns 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 lost funds was impossible and that tracking was infeasible. The CFPBs findings indicate that Zelle has not apply 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.
Product: Checking or savings account

There have been numerous issues with communicating with PenFed Credit Union, using its website and most recently, the inability of PenFed to update my signature card online, via fax and even by sending a written letter ( which was rejected by PenFed - no explanation was provided ). 

They will not accept email. Their upload site doesn't work. Their fax machines don't receive faxes sent to them. My last option is to file this complaint to get PenFed to take action ( otherwise, they don't ) I have attached my signature card to this complaint. 

Resolution to this issue only requires that PenFed Credit Union accept my signature card and implement reliable methods of communicating with and receiving updates from its customers. This is not my first complaint about this Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

REVIEWED MY CREDIT TODAY XX/XX/XXXX NOTED THAT SOMEONE APPARENTLY OPENED AN ACCOUNT FOR {$1000.00} ON XX/XX/XXXX. I DID NOT OPEN THIS ACCOUNT AND AM WONDERING HOW SOMONE CAN OPEN AN ACCOUNT UNDER MY NAME WIHOUT MY KNOWLEDGE. I HAVE BEEN RECIEVING LETTERS FROM VARIOUS BUSINESSES AND BANKS SEEKING VERIFICATION FROM ME, AS THER HAS BEEN INSTANCES WHERE FRAUDELENT ACTIVITY HAVE BEEN NOTED ON MY ACCOUNT, IN ADDITION ME AND MY HUSBAND JUST EXPERIENCED FRUAD IN OUR BANK ACCOUNTS AT XXXX THIS PAST WEEK. 
I THOUGH I WAS PROTECTED WHEN I OPENEND AN XXXX ACCOUNT AND LOCKED MY ACCOUNT XXXX AM VERY DISTURBED THAT THIS COMPANY ALLOWED A LOAN UNDER MY NAME. AS RESULT MY CREDIT SCORE, WHICH WAS ALMOST XXXX IS NOW IN THE XXXX. 
PLEASE HELP RESOLVE!
Product: Credit reporting or other personal consumer reports

Violation of Rights Under the Fair Credit Reporting Act ( FCRA ) The continued reporting of the XXXX XXXX Bank account ( XXXX ) on my credit report violates my rights under the FCRA. Under 15 U.S. CXXXXe XXXX, consumer reporting agencies ( CRAs ) must ensure the **accuracy, fairness, and privacy** of credit information. I previously disputed this account and requested validation of the debt, including proof of its legitimacy and compliance with permissible purpose requirements under XXXX. Despite this, the CRA and/or furnisher failed to conduct a reasonable investigation or provide legally required verification, breaching their obligation under XXXX to correct inaccuracies. 

Additionally, 15 U.S. Code XXXX mandates that CRAs block information identified as fraudulent within XXXX business days if accompanied by an identity theft report and proof. While I have asserted this accounts illegitimacy, the failure to resolve the dispute suggests either negligence in investigating or an unlawful refusal to act, violating my right to privacy and accuracy. 

By persisting in reporting unverified and potentially outdated or fraudulent information, the CRA and furnisher have disregarded their statutory duties under the FCRA. I demand immediate removal of this account to rectify these violations and uphold my rights to a fair and accurate credit report. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/year>
Product: Credit card

The high interest rates on my credit cards are making it extremely difficult to pay off my balances. I have reached out to the credit card companies to request a lower interest rate, but each one has denied my request. As a result, the accumulating interest is making it nearly impossible to make progress on my debt. This situation disproportionately affects minority communities, as financial literacy gaps are often exploited through high-interest lending practices, further contributing to economic inequality.
Product: Debt collection

I contacted Phillips and Cohen requesting debt validation on XXXX/XXXX/2015. This was my second request to get verification of this debt and they have ignored my request time and time again.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Kept disregarding my disputes, by telling me they want me to send them a proof of id verification, last check stub, and cell phone bill. I sent them a certified letter, and they never responded. Attached is copy of driver license, copy of phone bill, copy of last check stub. The matter is a bankruptcy, I contact the bankruptcy courts in XXXX and they responded with a letter that I will attach below. They dont provide court records to credit bureaus. 

>I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.<
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

Equifax : EQUIFAX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to know the name of the furnisher of the information or the vendor that collected the information from a public record source, that reported to Experian that I have a bankruptcy. 
I am not disputing, nor asking for accuracy of the alleged bankruptcy. 

Please answer that one question plain, clear and simple.
Product: Mortgage

I have been fined by them {$25.00} + {$25.00} + {$25.00} for absolutely no reason. But one of those charges was refunded by them after I spent several hours complaining to you about it. A slap in my face and a complete waste of my time. 

I also got charged approx. {$63.00} more than the due amount by their auto-pay system and they never explained why that occurred. 

In addition, they keep robocalling me despite me demanding to them that they cease and desist. It really ruins my night as it has tonight and I ended up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX though I can not even afford such a visit. The robocaller starts by informing me that my mortgage payment is past due and demands that I make an immediate payment of {$0.00} to bring my account current. I inform custom service that this is literally a TCPA ( fed law ) violation and that they can be sued for it and they acknowledge but do nothing about it. I'm pretty sure I still have not been placed on a do not robocall list, despite informing them that it is very harassing. Their customer service lies to me, claiming it's somehow my fault, and then hangs up on me. 

As a result of all of the problems that they have caused me, through absolutely no fault of my own, please also force them to sell my mortgage to a different lender/mortgage company altogether. It is warranted and deserved. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the National Consumer Reporting Agency who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and I noticed that there are some hard inquiries on my credit report that don't have a permissible purpose according to the Fair Credit Reporting Act. Anything furnished on my consumer report must have a permissible purpose according to 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Credit card

I have XXXX credit cards with Citi which I 've paid in full every month since opening the accounts. A couple months ago Citi did not apply the entire amount of my payment to one of my credit cards, but they took the entire amount of my check out of my checking account. The difference is about {$1000.00}. I 've contacted them three times ( each time I get my monthly statement ) to correct the problem. Each time they said they would correct the problem, but they never follow through on their statements. I have continued to pay my accounts in full each month ( less the approximately {$1000.00} I do n't owe ) and they continue to add interest and reflect an inaccurate balance on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from XXXX XXXX in XXXX and returned the lease on time in XXXX and got new lease however, my credit report shows paid in settlement but there was no settlement I did get bill for car property taxes and that was paid once I received bill from. It shows on all 3 credit reports I paid in settlement but shows Ive never Deb late or anything and its hurting my credit my reporting and my score went down drastically on XXXX, Equifax and XXXX
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is not an acknowledgment of the debt, and I dispute its validity. I request that you provide sufficient evidence to verify that this debt directly belongs to me. Specifically, I am requesting : Proof that the debt is valid and belongs to me, including my name, account details, and any supporting documentation establishing your claim.

Proof of your authority to collect this debt in my state, including a copy of the assignment or purchase agreement.

Under the FDCPA, I am entitled to this information, and I expect your agency to provide it within 30 days of receiving this letter. If you can not provide sufficient validation, I insist that you : Cease all collection efforts immediately.

Remove any negative reporting related to this debt from my credit file with all credit reporting agencies.

Notify me in writing that you have taken these actions.

If you fail to validate the debt or refuse to remove inaccurate or unverifiable information from my credit report, I am prepared to pursue legal action under the FDCPA. This may include seeking damages for violations of my consumer rights and requesting that the court order the removal of this debt from my credit file.

Please communicate in writing to confirm the receipt of this letter and indicate whether you can provide the requested documentation. If you have already reported this debt to any credit reporting agency, you are also required to notify them that the debt is disputed.

Thank you for your prompt attention to this matter.