23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We fell behind due to hour reduction at our jobs due to covid. I am the only one on the mortgage. My husband just contributes money to it. I got 3 payments behind, I contacted the company, they sent me a loan modification application. I filled it out including only my income and a small amount of what my husband actually contributes because I had gotten the loan on my income, so I wasn't adding much of his, even though I have more money of his at my access. They denied my modification, so I told them I actually had more income from my husband, who is not on the mortgage, and they wanted a paystub for him. He is a contracted worker, and gets paid per job. Why did they need his paystub? He is not on the loan. Then I got a call from an outside agency that said my house was in foreclosure, I said no, because I am filing an updated modification. So I called the mortgage company, they confirmed the foreclosure and said that they can foreclose even if modification is in process. I know this to be false. What can I do, and do quickly?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like 20 companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts form my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a balance transfer in the amount of {$150.00}. Unwittingly I tried to send it to a debit card instead of a credit card. I called Capital One and requested the action be cancelled. Meanwhile I paid off balance which includes the {$150.00}. I was informed by Capital One that a check would be issued for the refund. Within a week, XX/XX/XXXX, I received a check from Capital One in the amount of {$150.00}. I deposited the check and the next day I was informed that a hold was being placed on the check because capital One wasnt going to honor it. I again called Capital One and once again a case was opened. On XX/XX/XXXX, Capital One issued a credit to m credit card account in the amount of $ XXXX issue resolved! Today, XX/XX/XXXX, I look at my checking account and see that on XX/XX/XXXX, I have been charged a {$15.00} service fee from my bank, XXXXXXXX XXXX, for the charge back caused by Capital One not paying the check. I called Capital One yet again- the third weekend in a row- and after 1:22 minutes I am finally told that Capital One will NOT reimburse me for the service fee. This in my view is unfair. I acted in good faith and Capital One did not. 
Case # XXXX & XXXX
Product: Student loan

My Chapter XXXX ( originally a Chapter XXXX but later converted ) was discharged on XX/XX/2018 ( see attached Bankruptcy Court Order of Discharge ). I am still unable to view my student loan accounts online through Nelnet 's website. I keep getting a message saying because of the status of my account to call their customer service number. I have and they keep telling me their bankruptcy department is not going to do anything about it. 

If CFPB is unable to resolve this issue, I will file formal to the US Department of Education through my Congressman 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX   XXXX {$62000.00} XXXX/XXXX XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX  XXXX {$900.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX  XXXX {$500.00} XXXX XXXX XXXX {$360.00} XXXX/XXXX   XXXX {$1700.00} XXXX
Product: Credit reporting or other personal consumer reports

To the Reviewer or Reviewing Committee, I have received a total of 5 hard inquiries from XXXX : XXXX XXXX NA inquired on XX/XX/XXXX XXXX CARD inquired on XX/XX/XXXX XXXX BANK XXXX inquired on XX/XX/XXXX XXXX CARD inquired on XX/XX/XXXX CITI CARDS/CITIBANK inquired on XX/XX/XXXX I have received a total of 2 hard inquiries from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX the XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX have received a couple of " Account Review Inquiries '' on XX/XX/XXXX from XXXX : I have submitted multiple hard inquiry disputes to all three credit bureaus, XXXX, XXXX, and Transition XXXX regarding this and have settled with putting my accounts on credit freeze. 

I did not apply or request for any account, business, or credit card with the following entities on these dates therefore, do not recognize these to be hard inquiries under my account. These hard inquiries have made it so that my credit score has declined, which has caused my mental wellbeing as I aspire to be a first-time homebuyer soon. The hard inquiries are stated to last until the year of XXXX. Additionally, I have been receiving letters in the mail stating that my account was not approved due to " multiple inquiries associated with your credit '' - this is untrue as I did not apply to these entities. This raises another concern of the potential of applying for new credit cards I have been considering. I need these hard inquiries to be removed from my record as they were not mine.
Product: Credit reporting or other personal consumer reports

The private details listed in these documents are not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Bank Account Number XXXX XXXX XX/XX/XXXX To Whom It May Concern ; I disputed the referenced accounts above on ( XX/XX/XXXX ). 
The credit report of ( XXXX ) shows these items were deleted from my credit file. Now this items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA XXXX, Procedure in case of disputed accuracy ( XXXX U.S.C. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant-to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency, Additional information. 

As part of, or in addition to, the notice under clause ( i ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of-such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracyor completeness of the disputed information. I received no such notification. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency XXXX avoid such action by immediately deleting this listing from my credit report Thank you, Your Full Name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for XX/XX/XXXXmonths to get them to remove these late payments from my credit report that is ILLEGAL. I've quotes the laws and they refuse to do so. I am literally ready for legal action.
Product: Checking or savings account

Tried opening a business account with First Republic Bank SIX MONTHS OF NO CLARITY... I tried to create a business account for a non-profit that I am XXXX  of. That was in XX/XX/XXXX  when all the documents required were sent. The account hasnt been opened till XX/XX/XXXX  and no clear reasoning. I have not gotten clear reasoning and answers for many questions. Since then we went to another bank and got an account opened. 

My asks - only two -- NO RESPONSE ( 1 ) Clear explanation of why account could not be opened - written please, ( 2 ) Clear proof that all the records, documents I submitted have been destroyed and deleted from your systems
Product: Checking or savings account

I opened an account with Citi Bank a few months ago I tried to transfer money into my XXXX account that was attached to it. 
It came up that they closed my account without me knowing or any kind of paperwork coming my way they said there was fraud on my account, and said they will mail my money back to me 30 to 60 days.

Im being informed that this is happening to a lot of people and Im very concerned that this is going to, make my perfect credit score go down!

I need my money before 30 to 60 days. I never took any money out. I just put money in. Ive have {$30000.00} in that account and Im very worried that something is wrong.
Product: Checking or savings account

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX recieved a stack of documents disclosing thier " Get Tough Policly '' of how they meticulate thier policy of getting rid of me, slowly. Since the above date XXXX XXXX XXXX XXXXXXXX moved my direct deposit accounts to XXXX XXXX where I have a cash reserve and Secured credit card.
Product: Checking or savings account

I am filing this complaint because I have been defrauded out of {$28000.00} over a two- month period from XXXX to XX/XX/2023 on Bank of America XXXX XXXX A total of 32 transactions were conducted on this platform provided by Bank of America! None of these transactions were created by me, nor were they authorized by me. I don't know any of the recipients and none of them are on my XXXX recipient list. In fact, I hardly use XXXX. I have a checking account jointly held with my father, and these fraudulent transactions have been made from this checking account. This account is primarily used by me, a XXXX year old, whos just started her career I am being denied access to my hard earned money because of fraudulent activity on Bank of America provided platforms! 

I filed a fraud claim in XXXX to which Bank of America did not take action my account was not put on restriction, my debit cards were not canceled. Nothing was done. Then in XXXX I called Bank of America again and filed a fraud claim for all the fraudulent transactions that had continued on my account. This claim has been repeatedly denied by Bank of America. 

I have provided details of my interactions, in chronological order, with Bank of America below. I have also attached all the correspondence with the bank - the initial denied claim notice, the faxed letter I sent to Bank of America with all details of the fraud transactions - after which I received another denied claim - and the emails my father sent to XXXX XXXX, the President of Retail Banking at Bank of America, to which he has received no response. 

XX/XX/XXXX - filed initial fraud claim ( no resolution or action taken by Bank of America to protect my account ) XX/XX/XXXX - filed second fraud claim for all 32 fraud transactions XX/XX/XXXX - fraud claim denied XX/XX/XXXX - called Bank of America to dispute the denied claim XX/XX/XXXX - faxed letter to the Bank of America fraud department and investigator [ letter attached ] XX/XX/XXXX - fraud claim denied by Bank of America once again, after reviewing the faxed letter and supposedly conducting another more thorough investigation XX/XX/XXXX - email sent to XXXX XXXX, XXXX of Retail banking [ email attached ] XX/XX/XXXX - follow-up email sent to XXXX XXXX XXXX after receiving no response [ follow-up attached ] As you can see, I have repeatedly tried to resolve this issue and get my money back, but Bank of America continues to deny my claims. I have been a loyal customer of Bank of America for 7+ years as a Preferred Rewards client ( and my father is a customer for 23 years! ), and the bank 's lack of effort and interest in a matter this serious has caused me a great deal of stress over the past few weeks. My father has also filed a complaint with their Preferred Rewards service desk but has received no response. 

I hope you will appreciate the stress I am going through and hold Bank of America accountable for their lack of customer protection on checking accounts platforms and for their poor customer service. 

I would like to receive my money back as soon as possible- PLEASE HELP.
Product: Credit card or prepaid card

I have a Bank of America credit card which I set up with autopay at B of A. Without my authorization or knowledge, B of A ( apparently on XX/XX/XXXX ) turned off the recurring payment feature. This resulted in my going past due due on the credit card and B of A assessing me a late fee. The first I learned of this was on XX/XX/2022 when I received an email from B of A saying I was past due-and that I could set up recurring payments on the account. When I called in to learn what had happened all B of A could say was that the recurring payments had been turned off because my wife ( we are separated ) had called in and failed authentication so there was " fraud on the account. '' I offered to pay my normal minimum payment ( {$45.00} ) but B of A said my minimum payment due was {$110.00} which consisted of my " past due '' balance, my next payment which was not yet due ( XXXX XXXX due date ) and my late fee. I offered to pay the {$45.00} to bring myself current but then B of A required me to agree to a disclosure statement which said my past due amount was $ XXXX the rep told me that B of A could not reduce that amount because that is what their system said their system could not be changed so it was right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for debt validation on my credit report from Experian. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Experian never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.
Product: Checking or savings account

Someone hacked my chime card and charged over XXXX rides with XXXX totaling over {$400.00}. I disputed all of the charges. The first three or four I discovered they refunded the money to my account. As I looked further this had been going on since XXXX with over XXXX transactions. I got back in touch with chime and disputed all of the other charges. To which they denied saying no error occured. I called back and disputed them again and the same denied no error occured. I have asked several times for a copy of there decision to be mailed to me to which none has ever come!! This seems to be a on going theme with chime if you read there reviews this is happening to alot of people! And two of my co workers just had there cards hacked for over {$300.00}. You guys sued them for not giving money back! It's the typical wear down tactics to get you to give up. They want me to get copy 's from XXXX when they have copy 's right in front of them of said transactions. This has been going on for over a month with no resolution. That was {$400.00} of my XXXX money that gifts could not be bought. They are crooks and something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX  I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding the inaccurate reporting of a late payment on my XXXX XXXX XXXX  account ( Account Number : XXXX ) by Experian and XXXX XXXX XXXX. 

The issue pertains to a 30-day late payment reported for XX/XX/year>. This reporting is incorrect for the following reasons : 1. The Scheduled Payment Amount for XX/XX/year> was {$0.00}, meaning no payment was due that month. 

2. The account was fully paid on XX/XX/year>, with an actual payment of {$18000.00}, and subsequently closed with a XXXX balance. 

3. The account status is listed as Paid, Closed, confirming that it was resolved without delinquency.

This misreporting has adversely affected my credit score and violates the Fair Credit Reporting Act ( FCRA ), specifically : 1. FCRA Section 611 ( a ) : Ensures accurate reporting by consumer reporting agencies.

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers of information from reporting false or incomplete data.

I have attempted to resolve this issue by disputing it directly with Experian and XXXX XXXX XXXXXXXX. I provided them with supporting documentation, including payment records and account details, but have not received a resolution. 

I request that the CFPB intervene to ensure Experian and XXXX XXXX XXXX correct this inaccurate reporting immediately. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or ( XXXX ) XXXX for additional information. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had an existing 'payday loan ' ( {$300.00} ) with Easy Money-XXXX XXXX XXXX , XXXX , TN XXXX. When I went in to pay off and rewrite the loan on XX/XX/18 the representative told me my payday loan ( due once per month as I am on Social Security ) was changed by their Corp Ofc to a 'Flex Loan ' and that payments would be $ XXXX/month until paid in full, with an extended credit line of {$500.00}. I chose not to increase the credit line and it was to remain at a principle of {$300.00}. The {$49.00} was to be debited from my bank account once per month. On XX/XX/18 they debited {$15.00} from my account instead of the {$49.00} agreed upon. When I contacted the rep she said 'the Corp Ofc changed the contract because it would take 'too long to pay off ' and that the {$15.00} withdrawal was a 'late fee ' which they debited instead of the {$49.00}. When asked why I was not notified of the contract change she replied that they 'just didn't have time to contact everybody '. I subsequently filed a complaint with our local XXXX who referred the complaint to XXXX Ohio ( complaint # XXXX - ref # XXXX ). XXXX Ohio stated Easy Money CCFI et al  Buckeye Check Cashing stated they 'never ' had a loan contract with me. I then provided a copy of the original contract which clearly states it is a 'Flex Loan ' ( Account # XXXX ) and the principal amount of {$300.00}. They then changed their position and stated it was a 'Fixed Loan '. The XXXX Ohio could offer no further resolution but to provide resources to initiate a 'regulatory ' complaint. I also sent certified letters to both the Easy Money local office and Ohio location indicating the contract was disputed due to their unilateral breach and revoked their ability to access/debit my bank account. I also sent an account dispute notification to their website on XX/XX/18 following my conversation with the store rep who deleted the online account information immediately after my phone conversation with her. It was restored after I filed the XXXX  Complaint even though they told XXXX  there was 'no contract '. They never responded to my online dispute notification. To date I have not received any communication from Easy Money, CCFI et al Buckeye Check Cashing regarding the dispute. I would like to get this resolved but strongly feel there is definitely fraud and deceptive business practices involved here and I feel certain that it began with their store rep and continued because they felt a retired senior citizen wouldn't notice it. I am retired and financially vulnerable but I am not stupid. I would be more than happy to provide whatever documents you require as I would like to bring resolution to this matter.
Product: Debt collection

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to correspondence received in the USPS.

This is a notice that your claim is denied and disputed. 
Under the Fair Debt Collection Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe. 

I am requesting proof that : 1. I am indeed the party you are asking to pay this debt 2. You possess original creditor documentation/business records with a full accounting using the XXXX XXXX XXXX Principles for charges, payments, interest, etc. of the amount of this debt that be presented as evidence. Also, explain and show me how you calculated what you say I owe. 
3. Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records, where in this informational age anyone could have 4. There is some valid contractual obligation which is binding on me to pay this debt, and 5. You, as a debt collection debut buyer, produce documentation from the alleged creditor authorizing you to report this alleged and pursue collections of an alleged debt. 

Your legal staff will agree to compliance with this request under the laws of Georgia and Federal Statutes. Note, there are no record in Georgia Business search that gives you authorization to collect in the state of Georgia. 

Also, be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.