23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I received my temporary XXXX payment on my Bank of America EDD debit card not 10 minutes after the money posted I had XXXX dollars transferred to an unknown bank acct. I called them immediately and filed a claim less than a week they denied it I filed a reconsideration that was denied even after I did what I was advised to do ie : filed a police report, sent in a letter letting them know I never authorized a one time transfer to this other unknown acct, that if I had it would have gone into my personal acct ending in XXXX that if I had it would have went into my personal acct. And a copy of my personal bank acct. I am now as of XX/XX/2022 on my 3rd reconsideration with no help insight from Bank of America claims department. I have requested the documentation they used to deny my claim they sent a transaction report that's it I have no Bank of America near me where I live. All the info I get is that this money went into acct number ending in XXXX I am not associated with this acct.
Product: Checking or savings account

I initiated an online transfer on the Ally Bank mobile app. This transfer moved $ XXXX from my XXXX XXXX savings account to my Ally Bank savings account. Both accounts are titled in the name of our XXXX XXXX, and my wife and I are both Trustees and authorized signers on both as well. The funds were available funds at XXXX XXXX and correctly arrived at Ally Bank on XX/XX/2022. Per Ally Bank 's tracker, they should have been in my account by XX/XX/2022 at latest. However, it is now XX/XX/2022 and the funds are not even in my current balance. Furthermore, Ally has deleted any record of the funds in the transaction history. The funds are clearly shown leaving my XXXX XXXX account and have not returned. I can definitely get tracking information from XXXX XXXX if Ally tries to lie about this situation and say the funds never arrived. 

When I have talked to customer service reps ( and Ally 's customer service is horrible; and it takes over 2 hours for someone to talk with a caller ), they have said that the funds were transferred to their Loss Prevention Department. However, there shouldn't have been any such issue because the funds were available and I am an authorized signer on both accounts. I even sent Ally a copy of the XXXX XXXX statement to show that funds were available and the titling of both accounts is the same. I have had at least 4 conversations with Ally reps and have waited on hold for over 6 combined hours. How crazy is that?? 

In 30+ years of working with various banks, I have never had such a ridiculous experience. I want my money ( which I'm sure you can understand )! Given the delays, I feel it's time to get the CFPB involved. I am a U.S. Citizen, have never been charged or convicted of a crime, have a high credit score, and have always properly conducted my banking business. There is absolutely no reason to be treating me in this manner. Thank you for your help and advocacy.
Product: Mortgage

Attempted to buy a new XXXX XXXX XXXX XXXX manufactured home from XXXX XXXX XXXX. Gave XXXX $ down and pay XXXX every month. XXXX had a water damaged model on XXXX lot delivered on XX/XX/XXXX without revealing the fact of bad mold and mildew damage. Visited lot XX/XX/XXXX to view new delivered home and observed roof coverings flapping with high winds blowing after XXXX weeks of hard rains. Made mention of fact at that time. Was told it would be addressed by sales XXXX XXXX on a unknowingly water damaged manufactured house XX/XX/XXXX. XXXX delivered home to my property damaged XX/XX/XXXX. The morning of XX/XX/XXXX, the houses XXXX half '' XXXX were put together during the night and closed to my entrence. I was barred from the construction proceedings and viewing access. All permits and inspections were done without my notification and presence. Saw mold myself growing in open joint of doublewide on XX/XX/XXXX and told XXXX, who then covered all doors and windows from outside viewing of interior of damaged. Made aware of delivered water damaged condition with mold and mildew in XX/XX/XXXX. XXXX said if I backed out of deal I would loose my land as well as home. I'm elderly and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have never applied for credit with this company for anything, they some how got a hold of my information, took information from my credit personal credit file, and lied to get this information, i have no idea who they are. They keep harassing me by phone, i want them locked out of my personal information. They are fraudlant and crooks. I never even heard of this company, i am very angry about this company, what gives them the right to authorize a person personal file, and place it on a credit report, like they were a creditor, they are ditry, and i want them locked out of this file. 

thereis another company Exeter financesXXXX same situtation with them, I've never applied for credit or heard of them either.
Product: Credit card

I purchased XXXX XXXX  XXXX without active noise cancellation from ChXXXX XXXX XXXX  on XX/XX/XXXX for XXXX Points. The order was delivered on XX/XX/XXXX. On XX/XX/XXXX I discovered that wireless charging isn't working for the product. I called XXXX ( XXXX ) XXXX and stated that I would like to return the defective product. They asked me to call apple XXXX support and call them back with a case id. I called XXXX support, and they told me that the version of XXXX XXXX I have ( w/o noise cancelation ) does not support wireless charging. That was a surprise because it wasn't mentioned anywhere on the Chase rewards portal- neither for the version of XXXX XXXX I purchased, nor for the one with active noise cancelation. That was absolutely misleading, and I wouldn't have purchased the airpods in the first place if I new that. So I called back to Chase rewards support at XXXX ( XXXX ) XXXX and told them that they had incorrect description, which made me thing there is no difference between the 2 versions in terms of charging. They refused to issue a refund or accept a return due to XXXX policies of a defective item. I escalated this and asked for a manager. The manager also refused. I mentioned again that it is not about the defectiveness of the item, but is about misleading/inaccurate description of the product. For comparison, XXXX does explicitly mention that a version w/o noise cancellation does not have wireless charging on XXXX. Chase Rewards portal doesn't.
Product: Bank account or service

I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere.
Product: Mortgage

XXXX : XXXX Select Portfolio Servicing, Inc. sent to my PERSON an admission of guilt of violating the financial privacy of a customer. SPS sent to my PERSON previously private and confidential loan documents of another customer to include a Promissory Note. I still have these items in my possession. Promissory Notes are negotiable instruments and subject to all applicable federal laws. 
There is a high probability that Select Portfolio Servicing, Inc.has also illegally violated my financial privacy and distributed my private and confidential information to other entities. We already know that they sold my monetary instrument and committed mortgage and securities fraud.
Product: Credit reporting or other personal consumer reports

The name appearing on my credit report is incorrect, my only and correct name is XXXX XXXX as shown on my identifications. Please remove this incorrect name XXXX XXXX and all the incorrect information associated with this name. My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX as shown on my identifications. Please remove these incorrect addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. There are accounts are not associated with me including a collection of XXXX XXXX and XXXX of the XXXX  XXXX XXXX credit cards, it is a mixed up of credit files with a similar name. This is my third attempt trying to rectify the errors on my credit report. I never received any replies from previous disputed I have filed. Please take this seriously as I am entitled to 100 % credit reporting by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian illegally added back a account on my credit report dropping my credit score 21 points. They had already removed the account already and UNDER 611 on the FCRA THIS IS ILLEGAL!! They removed XXXX XXXX then added it back a couple days later. If a account was deleted it should stay deleted!!!!! They also refused to delete fraudulent accounts after I called and sent in proof of deletion from all other bureaus. The representatives were all rude and rushing me off the phone and they lied and said that is normal activities but they did significant damage to my credit affecting my life in my familys life
Product: Mortgage

Filed complaint with CFB regarding XXXX XXXX XXXX decision ( XXXX complaint ) XXXX. Also complained that my pay for performance incentive which was received in XXXX of XXXX  ( was not to be received per guidelines until XX/XX/2021 ( XXXX year of after trial period payments, that would be XXXX plus one month ). Per guidelines attached I should have received notice of my incentives no later than 30 days prior to the anniversary date ( pay for performance letter to sign ). Also to receive form XXXX, XXXX XXXX XXXX to sign. I did not receive such letter outlining my incentives which among the XXXX reduction of principal would also give the option to re-cast the mortgage at the lower principal balance. 

The original complaint was addressed XXXX but just went on to explain the form XXXX was already signed at the original modification. It did not address my request for pay for performance letter nor the recast of principal balance after XXXX was applied. Nor did it address why I was paid so early in advance out of guidelines. I can only assume that since the servicer also receives XXXX that they processed early. 

I had received a call from XXXX XXXX at Mr. Cooper, Home Solutions Department. i expressed my concerns. She stated if I wanted to recast, I had to request, they did not have to give me the option. Not within guidelines. I explained guidelines to her and stated I wanted the reduction of principal balance applied going back to the date I should have had the option to receive. She inquired with her company and stated no they would not do retroactive. 

I received the recast agreement XXXX, please see attached. There would be no way that it could be signed off of as my notes on agreement will attest. 

I emailed XXXX XXXX did not attach a copy but have ) and expressed my concerns. I then received a letterform XXXX XXXX ( attached ) explaining my concerns in written detail. 
No one in their right mind would have agreed to the terms the way the note was written as you can see. 

I understand now and have written documentation to feel more comfortable, however there are 2 outstanding issues. 

# XXXX. I have tried to research servicing guidelines and can not find my answer. The loan would be recast but not over a 40 year term but the remaining term I have left approximately 33 years. This would only save me about XXXX dollars a month vs XXXX per month re-amoritized under 40 years. I need to see clarification of the official guidelines from Mr. Cooper to make sure this is being calculated correctly. 

# XXXX. If I accept the recast, i am once again requesting that this be retroactive to the date I should have been given the option, this is per Federal guidelines that was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature and proof of validated debt claims with proof that gold and or silver had been extended and or lent as per United States of America Constitution Article I Section X for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and accounts with the physical original contract each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within ten ( 10 ) calendar days. 
COLLECTION/CHARGEOFF NEED TO BE REMOVED BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED MEANING YOU SHOULDN'T BE REPORTING OPE, NO LIMIT, NO PAST AND BALANCEAND PAYMENT STATUS. 

SEE ATTACHED ACCOUNTS :
Product: Credit reporting or other personal consumer reports

I am writing this letter as a final follow-up to address unresolved inaccuracies on my credit report, which persist despite multiple previous disputes. I want to highlight, with absolute certainty, that I am not part of any data breach, nor have I authorized the furnishing or exposure of my private and sensitive information to third parties. 

It is deeply troubling that, despite XXXX conducting a thorough investigation and successfully removing the negative items in question, both TransUnion and XXXX continue to report these inaccurate and unverifiable accounts. The discrepancies between your reporting and XXXX findings further demonstrate a lack of diligence and compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Vehicle loan or lease

I ( XXXX XXXX ) did a Consumer Credit Transaction on XX/XX/year> with JD Byrider/CNAC amount Financed ( {$13000.00} ). I was uniformed of the transaction and the behind the scenes work that was done. According to Truth in Lending Act I was suppose to receive a credit for the vehicle on my behalf for the Sum of all charges ( 15USC 1605 ). The first violation I seen with my transaction is when using a consumer credit transaction for property no cash is suppose to be involved whatsoever. I was informed I had to put down a down payment which 15USC 1662 ( 2 ) states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Another violation would be I was told I had to pay for Insurance out of pocket. Which also in 15USC 1605 ( c ) ( c ) Property damage and liability insurance premiums included in finance charge. I also did a UCC 11 Search with my state to see if any Liens were attached to my name and according to them I dont. I have a copy of that certified and notarized also. Im wanting to make this consumer transaction correct! I would love the title to my vehicle and my finance charge reimbursed and every dollar paid out of pocket due to breach of contract.Ive also been hung up on by the manager while trying to work this out. 

Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

The payment information that Mr. Cooper has listed on my credit report is not accurate. I have been reported delinquent by Mr. Cooper from XXXX XXXX XXXX through XXXX XXXX  XXXX while going through a loan modification. I am reported as being 120 days delinquent on my mortgage payment. 
In XX/XX/XXXX XXXX  referred me to XXXX XXXX XXXX for mortgage help as I was struggling due to lost wages, rising costs, health issues, and my daughter 's mental health costs. XXXX recommended I request a Loan Modification through the CARES ACT in XXXX XXXX XXXX. XXXX XXXX walked me through the process of requesting this modification. XXXX called Mr. Cooper with me on the line to help clarify why I would qualify for this modification under the CARES Act. I received the paperwork for the modification at the beginning of XX/XX/XXXX. The paperwork clearly stated to make 4 payments of XXXX over the next XXXX months. I contacted Mr. Cooper and XXXX several times to clarify and make sure I was doing the right thing and would not mess up my credit. I was instructed to follow exactly what the loan modification letter stated to the letter. I made my 4 payments of XXXX on these dates : XX/XX/XXXX, XXXX, and XX/XX/XXXX. ( I received final approval paperwork in XXXX which I signed/got notarized and returned to Mr . Cooper. ) While I waited for the finalization of my modification I made 2, {$1000.00} payments on XX/XX/XXXX and XX/XX/XXXX. By XXXX the modification paperwork was finally approved ( NOTE : Mr. Cooper re-sent the modification paperwork to me in XXXX. They said I didn't need to have the document notarized. I called Mr. Cooper from the notary and a customer service rep spoke with the notary and told them where to notarize the document. Mr. Cooper stated that by having the document notarized I had defiled the paperwork and it was no longer valid. I had to re-submit all paperwork again. ) Mr. Cooper had been reporting me as delinquent on my account during this entire time this delay only added to their delinquent reporting. I made a payment of $ XXXX on XX/XX/XXXX. 
I was told this would not impact my credit. It was my understanding that I qualified for a loan modification under the CARES Act. That is what XXXX and I had discussed when requesting the modification with Mr. Cooper. I made all of my payments on time if not a day or two early. I have all the banking statements to prove this. I've sent them to Mr. Cooper and several credit reporting agencies. Mr. Cooper has further dinged my credit report adding additional months late?!?! 
I am asking that my credit report be updated to reflect my payment history including the grace I was promised through the CARES act. I could not work my second job, had a XXXX XXXX, was struggling with the rising costs of everything and my daughter mental health plummeted during Covid and her care was costly.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$910.00} XXXX XXXX XXXXXXXX Balance {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020
Product: Credit reporting or other personal consumer reports

XXXX To Whom it may concern, I've sent neuromas letters to explain that XXXX XXXX  has taken repossession in the state of South Carolina on or about XX/XX/2023 and resold the vehicle on or about XX/XX/2023. This account is still being reported on my credit report. XXXX has failed to make contact with me in regards to this matter. 

Under the laws of the state of South Carolina UCC & South Carolina UCC code, you will to look this up and State XXXX  and XXXX  statutes a deficiency to whom it may concern, I am writing in regard to the above referenced accounts and transactions can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

in addition, if you singularly and severally fail to comply with the above request, i reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC & 9 remedies.

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written consent.