23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We got pre qualified in XXXX to by a home before we made a offer. We signed a contract to build a home with a finish date of XX/XX/2018. We have given the mortgage company all the documents that they requested.. We were promised a interest rate of 4 1/2 % with eather a 7 or 10 year balloon and a 30 year amortization. We have requested repeatedly a written approval letter and as of today still have not received one. Our contract with the builder clearly states that we need a commitment letter by XX/XX/XXXX. After many repeated calls to XXXX XXXX with Cross Country Mortage we would get the same answer, I will let you know by Friday. Monday XXXX called me and said that he got us a interest rate of 5 1/2 paying 1 point. He then said that he would check with another lender to get me a better rate and would call me tomorrow. Still no call. He did get his boss who I think is Vice President of the company involved. In a conversation with him about a week ago he told me how hard they had worked on this loan even getting us a second appraisal from a friend, because they did not like the first one. Now nine days to settlement we still do not have a definitive answer. The stress of dealing with this company and XXXX XXXX has caused me many major health issues including a XXXX XXXX and having to go to a XXXX XXXX. I am now scrambling to find Mortage money elsewhere 9 day before settlement.
Product: Checking or savings account

Ally Bank shut down my accounts today and withdrew {$2400.00} with no warning. I called them today and they could not give me the reason. They just said they had the right to do it as a part of my agreement. I know have to wait for checks to arrive in the mail in order to pay my Bills. This will cause me a lot of unnecessary work since I now have to change my direct deposit for update and update the accounts for all my ach transactions. The escalations XXXX disconnected the call when I requested a better resolution to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and to a Transunion representative inform his of a mistake they on my report few mouths ago. They remove all 8 of my inquiries then a week later put them back on ... .. 
Section 611 says then sure have notified me 5 days prior to replacing them back on ... .. 
Here a list of the inquiries : XXXX ... ..XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX   XXXX ... ..XX/XX/XXXX XXXX XXXX ... ... XX/XX/XXXX XXXX XXXX XXXX  ... ..XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... ..XX/XX/XXXX Thank You XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation. Please remove it promptly.

According to 605B, this account should be removed
Product: Credit card or prepaid card

Ive had this card since XXXX. I have made on time payments and was near the end of paying off this card. Synchrony lowered my credit limit of {$1000.00} to {$250.00} which in turn increased my credit utilization with no substantial reason. My FICO score is current over a 700 with no delinquent accounts. This is a way trap people and mess up their credit.
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. XXXX, Equifax, and XXXX XXXX, along with the creditors are in violation of FCRA XXXX XXXX as I was never contacted to validate the account mentioned, and you may be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. However, the credit reporting agencies have not adhered to federal trade commission ( FTC ) regulations, and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

US Bank states that there is a limit of {$5000.00} per day and {$10000.00} per week for external transfers. No further information. I transferred {$5000.00} on XX/XX/XXXX, another {$5000.00} on XX/XX/XXXX and received a message that I had reached the weekly limit when I tried another transfer on XX/XX/XXXX. I tried it again on XX/XX/XXXX in the morning and the transfer was successful, meaning that the system reset the week at midnight on XX/XX/XXXX and that the new week started on XX/XX/XXXX. 

On XX/XX/XXXX I tried another transfer and received the message that I had reached the limit. I talked to the branch and was advised that the system would not reset at midnight on XX/XX/XXXX but at midnight on XX/XX/XXXX ( which didnt make sense since my transfer on XX/XX/XXXX in the morning was successful ). The branch manager advised that I should be able to do another transfer on XX/XX/XXXX. On XX/XX/XXXX I made another attempt with the same result. The branch did not have an explanation and told me to call the online department at ( XXXX ) XXXX. The online department told me that the system was set up the way that it would reset the week on XXXX which is not disclosed to customers and doesnt make sense. The new week in my case started on XX/XX/XXXX and according to the information that US/Bank gives to its customers, I should have been able to do another transfer on XX/XX/XXXX. 

I feel that US Bank set up the system in order to hold the money as long as possible without paying any interest, contrary to the information given to customers that they can transfer {$10000.00} per week.
Product: Debt collection

I received alert from credit bureau about collection item that damaged my credit. The item was previously paid and settled with a prior collection agency XXXX XXXX and was removed XX/XX/22 from credit bureaus. On XX/XX/22 alert of collect item from credit bureaus for same debt again which damaged my credit but this time from a different collection agency I. C System. I attempted to contact collection agency And spoke to a representative that refused to assist me. I explained that this was originally settled and paid with XXXX XXXX And asked why they were trying to collect the same that again. I am putting this complaintd in because it has damage my credit and this company is trying to double dip after another collection agency and refused to remove from my credit. I have also disputed multiple times and still havent gotten anywhere.
Product: Checking or savings account

Bank of America has taken {$88.00} from me between XXXX and XXXX of 2019, and refuses to correct the issue. The bank assured me that my account would not be charged monthly maintenance fees because I had a linked investment account, something that was reiterated multiple times when I called in to confirm after the fees started. Despite my complaints, and burden of evidence proving they are implementing this shady practice, they are refusing to refund my money or work with me in any way. What's more, when I called in to have this corrected, I was hung up on by the " supervisor. '' Avoid BofA. Years of sneaky fees, rude customer service, and shady practices make me glad to move on from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I originally asked for this account to be removed for multiple inaccuracies & FCRA violations. The pay history section was incorrect showed additional months late AFTER the close date of XXXX. I was charged additional late fees AFTER the account was closed. The were no payments recorded for XX/XX/XXXX through XX/XX/XXXX ( which were all on-time payments ). The Date Closed of XXXX is missing. The balance of {$540.00} is incorrect. **Instead, ALL payment history for this account was completely eliminated, now showing No Data Available for XXXX and most of XXXX. *Undisclosed payment history is not accurate and complete credit reporting. Yet another FCRA violation. My report now says Account previously in dispute now resolved by data furnisher. This is incorrect. My dispute was not resolved at all. It was actually made worse with additional inaccuracies. The Delinquency First Reported date now says XXXX, when it previously said Delinquency First Reported XXXX. 
**It is inaccurate and unfair to update the First Reported date to XXXX, thereby causing it to show as a recently reported debt, when in fact it was First Reported in XXXX. ( the first actual delinquent payment was XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Initially, I contacted the debt collector asking for validation of a medical debt that was allegedly owed to a hospital for emergency services in the amount of {$3600.00}. In the letter, I ask that they VALIDATE the information and NOT verify the information. I also asked that they would send me a copy of my signed HIPPA release which gave them the right to release my information. 

The debt collector responded to my letter by delivering an itemized statement from the hospital which included all the medical services I allegedly received as well as the medication. They did not include my signed HIPPA release with with their response. This response from the debt collector was a blatant violation of HIPPA as my medical information is private and can only be release under my authority. In this instance, both the debt collector and the hospital are in violation of my rights.
Product: Credit reporting

I am a XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX I exercised my rights under the XXXX and XXXX XXXX relief act ( SCRA ) and applied for protection while XXXX. Soon after Transunion cut off all of my online access to my account claiming that I have a high risk of identify theft because I am a XXXX XXXX. While this may be well intentioned it is a violation of the FCRA and has served to prevent me from gaining access to my annual free credit report unless I write Transunion, thereby slowing down the request. I am no longer a XXXX and wish to have the same rights as all US consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 20 nonaccount-holding inquiries that didn't have my consent. I have sent all three credit bureaus certified letters to have them remove no answer, no removal. Most of those should be soft pull inquiries, not hard pulls.
Product: Credit reporting

While this case is about XXXX XXXX XXXX ( which I have received letters like this case has ), it fits best my XXXX XXXX XXXX complaints. In fact, XXXX XXXX XXXX has already supplied a letter dated XXXX XXXX XXXX, stating that the furnished account was correct, they would continue to report it, etc. It was not correct. I was not legal either. Think about that when reading this. My situation falls in between the case below. My case did not make a payment in order to be reported. However, they reported payments were made on time, though I never made any. Using this case, even positive time-barred reporting is barred, whether paid, unpaid, etc. Because Experian was the most specific reporting on this credit account - closed in XX/XX/XXXX - and reported " paid on time '' each and every month of XX/XX/XXXX by an " internal '' upgrade by the furnisher, shows that the credit reporting - BY DATE ALONE - wilfully violated the law. So this case will be added to my other documents against both the furnisher and the credit reporting agency in court. Hopefully, the reality-check of this clear language will speed up the too-slow investigation and reinvestigarion into the details of those 13 months of payment data. Those details are not even admitted to by the furnisher ( U. S. Mail ) a week after I called the Fraud department. Yet, they are right on the Experian credit report I initially received in XXXX XXXX. XXXX other credit reports have variations on this reporting ; such that it could not have been a single furnishing. It was in XX/XX/XXXX, ever month in XX/XX/XXXX ; and in XX/XX/XXXX, too. This XX/XX/XXXX account will be on my credit report until XX/XX/XXXX because the letter by the bank said it will continue to report it - thus causing me to continually dispute it until then - and says it was correctly reported. The case should serve as a " cease and desist '' to Experian for any and all accounts connected to XXXX XXXX XXXX whatsoever ; regardless of what account is furnished!!!!! If the furnisher refuses to stop, then this agency must stop them, based on this case as an umbrella blockage to more disputes. I do not want to waste anymore time trying to explain the clarity of this case XXXX XXXX XXXX to a national bank or to their national major agency that disseminates that error another number of years. 

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score should be XXXX at all three credit reporting agencies I feel I am being discriminated against because I am XXXX American.. I want a full investigation into all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I have sent XXXX a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to XXXX and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to XXXX
Product: Mortgage

If theft for over XXXX years impacting every part of my life please help
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( XXXX ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb I would like to file a complaint on Experian I sent in certified mail to them I received a letter back from he company asking me for a government issued Id first of all I wrote at the top of the page in bold stating that I attracted a copy of my dL and a copy of utility bill. I know they got it Experian are not conducting investigation I would like for Experian to submit a copy of the later that I sent to their California location. I have had so many issues with the company they dont do investigation the XXXX are to XXXX to change the status update all they do is enter the information in the comments field of the credit report that is stone cold proof that they are not conducting any investigation violating the federal law but time will tell Experian you going down here very soon when you get served betcha Please send me a copy of the dispute from two weeks ago if you cant send it these accounts are consider unverified and they must e remove I will be waiting on the copy via the cfpb website
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed accounts am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

Prior to the current student loan servicer, I reached out to XXXX for an audit of my account on several occasions, but never received one. Upon further review of my account, my payments over the life of the loans, capitalized interest, unpaid interest, and loan balances do not add up and some initial loan amounts have the wrong amount borrowed. I have incorrect XXXX forms. 

XX/XX/XXXX - I received an email from AidVantage ( new student loan servicer ) that my IDR was approved for {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX - I received another email stating my IDR monthly amount was {$580.00}. 

XX/XX/XXXX - I logged into my account and discovered that the payment due is {$2000.00} ; so I tried calling them and was on hold for XXXX minutes without speaking to anyone. 

XX/XX/XXXX - I tried calling again at XXXXXXXX XXXX  CST and was on hold for XXXX hours and XXXX minutes without speaking to anyone. 

XX/XX/XXXX - I emailed the them to the email I received stating my IDR was approved, but received an automated response that this was email account that is not monitored and to either call or login my account and send them an email. 

XX/XX/XXXX - I logged into the account and sent a message for an explanation of why my monthly payment is showing to be {$2000.00} due XX/XX/XXXX when I have an approved IDR for either {$500.00} or {$580.00}. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date. 

XX/XX/XXXX - I logged into the account and tried chatting with a representative ; the chat session ended automatically with a message to try back later. 

XX/XX/XXXX - I sent another message within the account requesting an explanation of my accounts and payment. I received an automated email stating that I can expect a response from one of our Customer Care Specialists within XXXX business days. No response to date.
Product: Mortgage

Im trying to get XXXX XXXX to have them pay my rent so I can make smaller payments throughout the month because I dont always get paid on the XXXX of the month when my rent is due and there is over a {$100.00} charge for late rent. Please allow me to link my bank acct so I can avoid late fees for my rent. Thank you. Ive been with PNC over 10 years.