23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank Of America failed to give us complete instructions on how to fill out the original loan modification paperwork. We not only had to re-sign all the paperwork all over again, but today will mark the XXXX time we have received a modification packet, indicating " there was an error in the format of the documents that were used and they were unable to be recorded at the county recorder 's office '' If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. 
I contacted the county recorder 's office and the lady I spoke with indicated they receive many complaints from consumers for the same problem with Bank of America. She informed me that Bank Of America blames their office for not receiving the paper work or denying paper work for not being completed. 
Our medication has been approved, but the paper work has not been completed correctly by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and I have been learning of my credit report and my card ordered from credit karma was lost seeing that it was in my wallet along with my other items such as my XXXX business card given by a fellow member. Im reporting in case of fraud or scams.
Product: Credit reporting or other personal consumer reports

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were written and dated on XX/XX/2022 and a required response was supposed to be received to me within 30 days with original contracts as stated in my dispute letters of ALL the accounts in question must be deleted off of my credit report, due lawful collection fee amounts. I have not been provided with ORIGINAL CONTRACTS FROM ORIGINAL MERCHANTS ON ALL attached to debt. certied mail was used with tracking numbers ( XXXX  - XXXX ) ( equifax - XXXX )
Product: Credit card

In XXXX of XXXX I was double charged by an airline provider. The airline applied the same charges to XXXX different credit cards. I notified Avant in XXXX of XXXX of what happened and disputed the transaction. They asked for any proof that the airline charged both cards, which I provided. After I emailed the proof, I didnt hear from Avant again until they denied my dispute. Shortly after, I called their customer service and was disrespectfully told that there was nothing they could do. Since then, my account has been collecting interest and late fees that total more than the limit of the credit card. I have a {$780.00} balance on a card that only has a {$300.00} limit. I have tried to close my account several times and was given an ultimatum that they would only close the account if I agreed in writing to all of the ridiculous charges and fees added to the account. The account is currently still open and collecting interest against my wishes.
Product: Credit reporting or other personal consumer reports

I did not authorize all of these companies to submit hard inquiries on none of my credit reporting agencies. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( auto ) XX/XX/XXXX XXXX  ( fFinance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have disputed several transactions on my card- some were credited others have not been credited. I last reported a charge for XXXX over the phone, I never received a letter stating that it was being investigated and Wells Fargo won't allow me to check older transactions that may still be fraud. I have paid my account in full to avoid the interest charges for charges that are not mine. I have never allowed my account to be delinquent, but Wells Fargo has not done their absolute best to protect me and I'm not sure how many other fraudulent charges I've paid by mistake.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had a called with Pendrick Capital Partners on XXXX to see how many said supposed accounts they have on me. They told me I had one with a company named XXXX XXXX XXXX they told me they were working so I was transferred over. I then spoke with XXXX. He told me I one bill with XXXX for a total of XXXXXXXX XXXX on a past bill on XX/XX/year> I have the actual documentation with XXXX. There is no single outstanding bill of XXXXXXXX XXXX  what ended up happening was the two bills got combined onto a single amount by the collection agency. They did not provide a correct detailed breakdown of said bill as well. In conclusion Pendrick Capital Partners has again violated my rights with the FDCPA By not correctly, verifying the bill when the bill is clearly shown as two different separate charges with XXXX and they also had another agency handling this and they didnt verify it as well. This is Misleading representation. This is very concerning, and a mishandling of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by TRANSUNION regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX and closed.

TRANSUNION  violated federal law, by not properly investigating and reporting inaccurate information on my credit report.

These are the Violations of the Fair Credit Reporting Act.

1. Delete this account, because it shows High Balance {$18000.00} and Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as Charge Off
inXX/XX/XXXX ; XX/XX/XXXXyear ; XX/XX/XXXX year ; XX/XX/XXXXyear ; 30 days late  XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively

as C/O reported on my credit report. 4. Delete this account, because it shows Credit Limit {
$17000.00} on a charge off close account.

Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my TRANSUNION Credit Report and circled the
violations, TRANSUNION violated in red color.

TRANSUNION must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Equifax has locked me out so that I can not see my updated credit file online right after I mailed them certified mail updating my personal information and address. This is interfering with my ability to fight credit fraud and I am willing to take them to court and collect for damages. Time is of the essence and as a victim of identity theft, I have a right to see my updated credit report. They have not been furnishing my credit report to XXXX XXXX, I have no way to stay updated and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I'm trying to find {>= $1,000,000}, that I sent to my Mortgage company Ditech. That the NO Stress Claims got me from my Insurance company, I sign the the check and send it back to them But I don't get it back. Sitting here looking at it NO Stress Claims got the wrong Mortgage company on it. I'm sending you a copy of the paper I sent to Ditech for them to send it to me in my name not my Deceased husband name, I am praying that you can please help me and my family so we can get some help with our house because I don't get it back from Ditech are Green tree are NO Stress Claims, I have been more States Since we Got involved with this company Please help us find the money
Product: Credit card or prepaid card

XXXX XXXX  has charged me over half of my {$300.00} credit limit in fees. These fees are late charges incurred after paying my bill but XXXX  XXXX  failing to constitute the payments as such and have marked the payments only as credits. After multiple diaputes XXXX  XXXX responded by adding an additional charge, bring the total amount of fees to {$170.00}. The rest of the {$130.00} credit limit is in interest only and from no charges of my own.
Product: Credit reporting or other personal consumer reports

Cording to recent FCRA rules, CFPV takes action against those companies. You do not pay attention to the law regarding I deserved in five days to see that are necessary for action to be taken against addition to block the negative information till the matters resolved.the CFPB forces actions against collection firms that do not fall in the lemon law and the fair debt collection at it would be who is the CFPB to concentrate on the local level and pay attention to those rooms out of nowhere in California. They dont even have a license to collect XXXX to move forward on a shot of the transactions allowed to extort the public
Product: Debt collection

PROCOLLECT INC was reported to my Credit report as of XX/XX/XXXX, the Original creditor is XXXX XXXX, they are located in Texas and apparently this was opened XX/XX/XXXX, balance due is {$65.00}. I have never lived in Texas, I have resided in california since XXXX, and at my current address for XXXX years. 

Back in XX/XX/XXXX, This same creditor tried to collect {$65.00}, it also affected my credit report, i did report this to the FTC and got this cleared and removed from XXXX and XXXX... 

Please help resolve this and wish this company stop contacting me and trying to ruin my credit. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting and Request for Investigation Dear CFPB, I am writing to report violations of the Fair Credit Reporting Act ( FCRA ) by Experian, XXXX, and XXXX ( collectively, the " Credit Bureaus '' ) regarding inaccurate information on my credit reports. Despite multiple disputes and evidence provided, the Credit Bureaus have failed to correct the errors. 

Account Information : XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute History : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Evidence Submitted : - Letters to each Credit Bureau - Records showing equipment returns on XX/XX/XXXX - Email from XXXX XXXX dated XX/XX/XXXX - Recordings from XXXX stating the balance of {$2200.00} includes equipment charges totaling {$820.00} Facts : 1. The Credit Bureaus have reported an incorrect balance for the past 5 years. 
2. I have repeatedly disputed this error, providing evidence to support my claims.

3. The Credit Bureaus have ignored my disputes, failing to investigate and correct the errors. 

Impact : - Inaccurate information has harmed my credit scores with all three Credit Bureaus. 

Request : 1. Immediate deletion of Account from my credit reports. 
2. Investigation into the Credit Bureaus ' handling of my disputes. 

Notice : If I do not receive a satisfactory response within 15 days, I will pursue legal action to protect my rights under the FCRA. 

I request your assistance in resolving this matter and ensuring the Credit Bureaus comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Attachments : - Copies of dispute letters - Evidence documents ( records, email, recordings ) - Proof of mailing ( certified mail receipts ) After 15 days, if unsatisfied, consider consulting with an attorney specializing in consumer credit law.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX reset my credit limit on my XXXX club account at what I owed. This caused the utilization rate to increase substantially, causing my credit rating to decline. 

Yesterday, they notified me they were now doing this to my XXXX XXXX through XXXX 's, again, causing my credit to go down. 's WITH XXXX, I have always paid on time and a little extra each time. With XXXX 's I had XXXX late payment, but not even XXXX days and they rescinded the late fee. I have a plan to pay off or down all debts, have liquid assets to do so, and was going to do it after taxes. At this point, I will pay down or off other creditors first and put XXXX and XXXX to XXXX of those debt relief schemes. 

I fail to see how XXXX 's harming my credit helps XXXX 's. They did not contact me before the fact or offer any other alternative. I was not adding at all to the XXXX XXXX, they could have freezed it or offered something like that to me and I would have taken it. Instead, they set out on a campaign to ruin my credit and it really XXXX me off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Citibank N.A. reporting on ( 1 ) of the ( 3 ) Reporting Credit Bureau. XXXX is reporting a Citibank Account Number XXXX that I am an Authorized User on this account. I have made several attempts to get this repaired and as of today XX/XX/2021 it is still being reported. First attempt XX/XX/2021 called CitiBank they sent me a letter dated XX/XX/2021 letting me know that they were unable to update the Credit Report. To remove authorized users for Credit Reporting the Authorized user must be removed from the account. Second attempt XX/XX/2021 no help received the 2nd letter from Citibank telling me the same thing the XXXX letter said. Then I wrote a letter to Citibank on XX/XX/2021 letting them know that I did not never give anyone my Permission to put me on a Card as an Authorized Users. I have not heard back from them but as of today XX/XX/2021 I check my XXXX Report and it is still out there. Please help this is not my Debit. This is Fraud using my name and my information without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted Equifax, XXXX, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi States ConsumeXXXX Protection Laws. 

I will include the XXXX XXXX Letter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

We purchased a new vehicle through a dealership and the dealership arranged financing through PNC Bank. The purchase occurred XXXX XXXX, 2015. The first payment is due XXXX XXXX, 2015. Today is XXXX XXXX, over 3 weeks from the date of purchase and PNC Bank has not sent us a payment booklet or loan account number in the mail. I called PNC Bank today, and they have n't even begun working on the loan yet ( it 's approved, but no paperwork has happened ). They can not give me a loan number over the phone, and without this information we ca n't make a payment. We had planned to make the first payment as soon as possible, but because they are dragging their feet interest is accumulating and we ca n't pay.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of in formation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

They dont even have the complete account numbers listed but placed accounts on my experian, transunion , and equifax report hurting my credit and listing debts and i reported the identity theft but they never removed the debts.
Product: Checking or savings account

I am writing to formally report an alarming incident regarding a failed ATM transaction that resulted in funds being debited from my international bank account without receiving the corresponding cash. 

On XX/XX/year>, I attempted to withdraw funds from my international non-Chase bank account at a Chase ATM. After the ATM withdrew the funds from my account and emitted a whirring noise as if preparing to dispense cash, it released my card but failed to provide the cash. Instead, I received only a receipt confirming the withdrawal of funds, accompanied by a note stating the machine could not complete the transaction. At no point was I given the option to cancel or stop the transaction.

I have confirmed with my overseas bank that the funds were indeed debited from my account. In response, I visited a Chase branch and spent approximately two hours on the phone with Chase customer service, the complaints department, and the escalation team. Despite my efforts, Chase has refused to refund the debited amount or provide written guidance or contact information to assist my XXXX XXXX in navigating the American banking system. Furthermore, Chase declined to review the ATM video footage or share the recorded phone call with me. During this process, a Chase representative abruptly hung up on me. The only contact number provided for my bank to reach Chase was an XXXX number, which is inaccessible from XXXX, despite my clear indication of this issue. Additionally, Chase has failed to inform me of my consumer rights in this situation. 

As I am due to travel overseas tomorrow, I am extremely concerned that my XXXX XXXX may not be able to file a formal complaint in time. This situation, where I am being denied my rightful funds, constitutes a serious breach of consumer protection and can only be described as theft by Chase Bank.