23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a formal complaint regarding a disputed account on my credit report, which is adversely affecting my credit history. The account in question is related to an auto loan with XXXX, and I strongly believe that they are inaccurately reporting a balance despite agreeing to a settlement. 

Account Information : Creditor Name : XXXX Details of Dispute : On XX/XX/2022, I entered into a settlement agreement with XXXX to resolve the outstanding balance on my auto loan. Per the terms of the settlement, I paid the agreed-upon settlement amount, which was accepted and acknowledged by XXXX as XXXX satisfaction of the debt owed. I have copies of all relevant documents, including the settlement agreement and proof of payment, for your reference. 

Despite the settlement and full payment made, I am dismayed to discover that XXXX continues to report a balance on this account. This reporting error is unjustifiably harming my credit score and affecting my ability to obtain credit and loans at reasonable terms. It is my understanding that once a settlement has been reached, the balance should reflect as {$0.00} on my credit reports, indicating that the debt has been fully resolved. 

Steps Taken to Resolve the Issue : I have attempted to resolve this matter with XXXX directly by contacting their customer service department on multiple occasions. However, my efforts have been met with unsatisfactory responses, delays, and lack of action. Despite providing evidence of the settlement, they have failed to correct the erroneous reporting on my credit file. 

Request for XXXX : I kindly request the Consumer Financial Protection Bureau to investigate this matter and intervene on my behalf. I ask that you ensure XXXX updates their reporting to accurately reflect the settled status of the account and show a balance of {$0.00}. Furthermore, I request that appropriate measures be taken to prevent such inaccuracies from recurring and negatively impacting other consumers. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why  the company feels the need to delete and then re-add the debt which in returns causes my credit score to go   up and down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} XXXX XXXX XXXXXXXX  XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Product: Credit card

i had an overpayment on a card after i did a return.total was XXXX some changei requested a payout for that amount on XX/XX/XXXX. i have still not received my money. 
also is there a way to charge them a late fee?
Product: Credit card

To Whom it may concern, On XX/XX/year>2024 i visited my local Home Depot store for some home improvement items. After selecting the items i wanted to purchase i headed to the front of the store. As i approached the check out register i was greeted by a store XXXX and an older lady, also an employee. They asked me if i was interested in applying for The Home Depot Credit Card and that if i was approved for the card i would receive a discount in the amount of {$25.00}. I accepted the offer and gave the lady my information as she entered it on a self checkout register. I was approved for the card and completed my transaction. I didn't use the Home Depot card for my purchase, i paid for my entire purchase order with my debit card. I do have my original receipt from the store and i also have my transaction history from my card showing that money was removed from my account for a in store purchase. The lady told me that i would be receiving my physical card in the mail within XXXX days. I got it almost XXXX weeks later. They did not tell me that the card comes already activated. I still have not used this card at all so there is no possible way to have a balance owed. I put the card in my wallet and have not used it. I started to get phone calls from " Citi '' and Home Depot harassing me about a past due balance and I needed to resolve it immediately. I was getting XXXX calls every day. I spoke to XXXX or XXXX people XXXX of the times, none of which had matching information and none of the numbers added up to any of the amounts owed. I was told that the balance was the amount of the discount i received when i singed up, not true. Then it was from part of my purchase that wasn't paid for with my debit card, not true. Then i was told it was from an online purchase and late fees, again not true. I requested copies of what they were seeing on my file to be emailed to me so I could compare to my original receipt, I was told that they could not do that but i could send them my original receipt so that they could put it with my file in the event that i may dispute the charges in question. I told them, " I have been telling you for the past XXXX hours that i was disputing the charges and for the XXXX time requested a XXXX in a higher position and after a long wait was finally transferred. No attempts of a resolution were made and no " investigation '' was opened. I informed the call center representatives that i would be filing a complaint with CFPB, they responded with " that's fine go ahead and see where that gets ya ''. Ended the call and here we are today. My credit score has been drastically lowered by XXXX points due to the inaccuracies reported by Home Depot/Citi . My husband has also spoke to them and informed them that if they continued to harass me they would be charged {$50.00} for every time they contacted me, the representative agreed to it and notated my account. Since that agreement i have been called XXXX more times and received XXXX notices via USPS mail. I paid in full for my purchase without receiving the {$25.00} discount promised to me by the XXXX.
Product: Vehicle loan or lease

I recently noticed a numerous amount of auto loan inquiries on my credit report and filed a complaint. My personal information was compromised in a data breach and I fear this may be why.
Product: Mortgage

My mother passed away in XXXX of XXXX and willed the house to my sister and I. My sister and I agreed on a plan to pay-off the house. Unbeknownst to myself she stopped paying the mortgage for a few months and the balanced skyrocketed. Since the beginning US Bank Home Mortgage has dropped the ball. There was a whole debacle in regards to successor in interest which was proved, but each time they called they insisted on asking for a deceased person even though I provide my name and contact info and let them know my mother was deceased yet they continued to call my phone each time and ask for her. I was told they couldnt speak with me after wasting my time calling me and asking me to verify information because they didnt have the proper information documented or trained their call center properly. I sent in a payment of about XXXX back in XXXX to bring the balance current and to finish paying off the loan. They rejected the payment on the grounds it wasnt sent the right way, yet and still I sent the money western union quick collect. It was a total fiasco, because the money got held up for additional time which in this case time was of the essence yet there was a total disregard for the consumer or the fact that interest and time was running up and wasting away. I decided to give up. So, about a month ago they started harassing me again being that the house had went to into foreclosure. This caused me XXXX XXXX  and XXXX and made me XXXX. I decided to give it one more shot. I call around the XXXX and XXXX of XX/XX/XXXX and requested how much it would be to pay off the foreclosure which I was lied to because like I said these random unknowledgeable people they hire that are learning on the fly about the rules and regulations because NO ONE knows whats what and is constantly transferring you to the wrong department thats always closed anyway. Anyways, I was emailed what I was told would be the payoff amount the amount that would be needed to clear the debt, but when I called back just to double check because the language of the letter was ambiguous and again none of their call center reps know whats going on and low and behold I was told that what I received was NOT a payoff quote, when that what I specifically asked for but the reps on the line XXXX, XXXX, and XXXX all told me I was lying after reviewing the phone call and would not let me listen to they call because I know what I requested ; what would be the point for anything else. I can tell they were passing the phone to colleagues etc. just to get me off the phone per usual. Id like this company investigated for their policies and practices. Id also like a full investigation into what is going to be done versus keep trying to pass this fault off on the consumer. Whos going to hold US Home Bank Mortgage accountable? Something needs to be done starting at the top all the way to the bottom because in a situation with a mortgage it needs to be taken more seriously instead of hiring a whole bunch of half trained underpaid people that dont care about what theyre doing. It is absolutely ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sears/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  and XXXX   credit reports concerning a new account with Sears. He then received a bill from Sears/CBNA concerning that account. A formal dispute of that account was mailed to Sears/CBNA ( twice ) the first was XX/XX/2018, the second was XX/XX/2018. While the fraudulent related inquiry was removed the account is still being reported as of this date. A confirmation of this was received from XXXX  credit bureau showing that Sears/CBNA is listing this account as legitimate after they have been notified twice of the fraudulent nature of the account. This action is a violation of the FDCPA and the FCRA and my clients federal consumer rights.
Product: Checking or savings account

My mother, XXXX XXXX XXXX, passed away on XX/XX/XXXX. She had been in a XXXX XXXX & my sister had been her Legal Guardian of the Person & the Estate. Her job stopped the moment my mother passed away. My mother had a will & I am the XXXX. My job started the moment my mother died. 

I went to the XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX to record her death & start the administration of her estate. They were behind in their work & didnt have the Short Certificates available then. They mailed them to me. I got them in the mail on XX/XX/XXXX. I made an appointment at XXXX XXXX XXXXXXXX, PA for XX/XX/XXXX, to set up an Estate Bank Account. 
I then made an appointment at Wells Fargo Bank for XX/XX/XXXX. I showed XXXX XXXX my ORIGINAL DEATH CERTIFICATE & SHORT CERTIFICATE. She noted that & made copies of both. She then called her contact at some legal division of the bank. They told her there was a hold put on the account & that only they can lift it. They also told her that ONLY my sister can close the account. I told them that was against the law. The law states that Legal Guardianship ends upon death. XXXX stated that to whomever she was on the phone with, but they would not budge. She said she has to follow their rules. 

I had checked with my friend who is a lawyer prior to going to Wells Fargo. He told me what the law was. 

While I was at Wells Fargo, I called XXXX XXXX from XXXX XXXX  ( the woman who set up my mothers Estate Checking ). I put her on speaker phone. She explained exactly what I had said to XXXX. XXXX got up & stormed out of the office & came back with the bank manager. She said the same thing. They have rules & they must follow Wells Fargo procedure. 

They did finally issue a Cashier 's Check made out to XXXX XXXX XXXX XXXX for {$12000.00}, which was the amount in my mother 's Irrevocable Burial Fund, which left a balance of {$1300.00}. I did forward that check to them. There is also an outstanding balance of {$2200.00} owed to XXXX XXXX, as well as another {$3000.00} for the headstone owed to XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( thru XXXX XXXX ). As well as ap proximately {$2000.00} ( so far ) owed to me for expenses paid by me. 

By law, they have to release that money in a Cashier 's Check made out to the Estate of XXXX XXXX XXXX, which I will then deposit into my mother 's Estate Checking Account I set up at XXXX XXXX
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally lodge a complaint against Bank of America regarding their recent actions, which I believe to be retaliatory and detrimental to my credit restoration efforts. Below, I have outlined the events and concerns in detail : 1. Submission of Complaint : On XX/XX/2024, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding issues I have been facing with Bank of America 's practices related to my credit. 
2. Bank of Americas Response : On XX/XX/2024, Bank of America contacted me to acknowledge that they had received the complaint. 
3. Unauthorized Withdrawal : On XX/XX/2024, Bank of America withdrew {$1100.00} from my bank account without my knowledge or consent. This unauthorized withdrawal appears to be in direct retaliation to the complaint I submitted. 

This unauthorized action by Bank of America has had several significant impacts : Financial Disruption : The unexpected withdrawal of {$1100.00} has jeopardized other scheduled bank drafts, causing potential overdrafts and additional financial stress. 
Lack of Communication : Bank of America did not inform me of their intention to withdraw these funds, exacerbating the situation and demonstrating a lack of transparency and communication. 
Retaliatory Nature : The timing and nature of this withdrawal suggest that it was retaliatory, stemming from my complaint to the CFPB. This raises serious concerns about the bank 's commitment to ethical practices and accountability. 

Additionally, Bank of America has consistently failed to take responsibility for the inaccurate information reported by credit bureaus. Their refusal to address these inaccuracies continues to harm my credit standing and overall financial health. 
I urge the CFPB to investigate this matter thoroughly. It is crucial to ensure that financial institutions adhere to fair practices and do not engage in retaliatory actions against consumers who exercise their right to submit complaints. 

Please find attached all relevant documents, including a copy of my initial complaint, Bank of America 's response, and evidence of the unauthorized withdrawal from my account. 

Thank you for your attention to this serious matter. I look forward to a prompt and just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a fraudulent withdrawal of {$200.00} from my Cash App account on XX/XX/year>2025. The transaction took place at an ATM in XXXX, Oregon, while I was at my workplace in XXXX, Washington. 

Despite submitting multiple claims to Cash App, including my work schedule and witness statements confirming my location at the time, they have repeatedly denied my fraud claim and have failed to resolve the matter. This has caused significant financial distress, and I know the situation constitutes fraud, as I did not authorize the withdrawal. 

I respectfully request your assistance in investigating this matter and ensuring that Cash App fulfills its obligations to resolve this issue. 

Thank you for your time and attention. Please let me know if you need any further details or documentation to support my case. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was showing that I had a late payment in XXXX when I did not so I disputed the information with XXXX XXXX has now updated the information removing the erroneous late payment but now they are showing the account as discharged in chapter XXXX bankruptcy. My mortgage account was never discharged in my chapter XXXX bankruptcy which was filed 9 years ago, the mortgage was reaffirmed and I am still in my house making timely mortgage payments every month. The mortgage servicer is Loancare.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX XXXX : XXXX Please XXXX it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has reported me to all all 3 reporting bureaus as latepayments were made and XXXX never updated.
Product: Credit card

Re ; Account ending inXXXX XXXX XXXX XXXX Program changed its online account access system. Since the conversion, I have been unable to log in to the new account to make payments or review statements. This has been XXXX of this year. I eventually received a letter dated XXXX XXXX from TD Bank informing me that my payment was past due. I then called the contact number and explained the log-in problem and that I had not received paper statements or a mailing address. I was told a statement would be mailed. On XX/XX/XXXX I received a one-page bill indicating the dollar amount due. I then sent a check along with the payment stub in their return envelope. On XX/XX/XXXX, another past due arrived indicating that no payment had been made. The TD Bank website is still non-functional and the people answering their contact numbers have no explanation nor access to statements.
Product: Debt collection

I called and requested for a 1099 form and for this to be deleted from my report because its charged off.
Product: Checking or savings account

HSBC was holding my money and would not give it back. I filied a complaint with you. XXXX HSBC responded quickly, they closed the case, but now they have collection agency calling me constantly.