23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am trying to refinance my home in XXXX XXXX, FL. I am a customer of BB & T and have a Home Equity Line with the bank. In order to close on my refinance, I need a SUBORDINATION document from BB & T. The request was made on XX/XX/2020. A confirmation of the request was sent via email with an explanation that it could take 20 days due to the COVID Pandemic. It has now been more than 30 days. I believe 20 days was excessive, but 30 days is unreasonable. I have left several voicemail messages with : XXXX XXXX XXXX / XXXX / XXXX / the agent with my case. They have gone unanswered and I have simply been ignored. I am dependent on BB & T providing reasonable and timely service. They are not providing that and are ignoring their responsibility.
Product: Debt collection

I reached out to the company in XXXX  via telephone because my written correspondence was going unanswered. Ive advised the representative that I am a victim of identity theft and I have not applied at this property. All the representative did was repeat over and over how hard it will be for me to dispute it and I need to pay. I then sent written correspondence again with certified tracking. The information shows the correspondence was delivered. The representative advised she has no knowledge. She keeps trying to get me to send documents via email. I then told her my attorney advised to continue mailing my information. Once she heard attorney, she said she could no longer speak with me and hung up the phone.
Product: Credit reporting or other personal consumer reports

Creditor Name : Wells Fargo Subject : Fair Credit Reporting Act, Section 611 I am writing this letter regarding payments that were marked late by Wells Fargo for the following accounts on the following date ( s ) : XXXX XXXX Acct : XXXX Amount : {$960.00} This is inaccurate since this account is at a XXXX balance. Therefore, I am requesting this inaccurate report be removed from my credit profile immediately. It is my understanding per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the company ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me only. Furthermore, I am requesting that you provide me in writing the reasonable procedures according to 15 USC 1666 ( b ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include all the information required by Section 1637 ( b ) of Title 15. 

If you dont provide this information in the allotted time given, then I am requesting you remove the late payments from my consumer report with the following consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Back in 2016 an account was opened up in my name unbeknownst to me I seen it on my credit report and I tried to dispute it with XXXX XXXX XXXX times. I keep getting an unchanged result. So I paid it off late 2016 I recently pulled a credit report to figure out why my credit was so low when I make all my payments on time. It is showing XXXX late payments on this account how does that even happen without being malicious in intent. I have reached out to XXXX XXXX several times. And I refuse to pay something again that was fraudulent to begin with. I don't know where else to turn.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX i made two payments toward my card balance that would have brought it down to zero and freed up XXXX  in credit. Today is Wednesday the following week and theyve just released one XXXX XXXXXXXX payment and claim they cant release the other XXXX until the XXXX. Its the same XXXX the same bank account. The hitch with this card is that it gives cash back on purchases so if I charge and then pay off right away without interest they make less on me than other consumers. And theyve noticed it. The care rep on Friday said my account is on watch because I cancelled an auto payment because I paid early. They cant hold my payment for almost two weeks - that cant possibly be legal.
Product: Checking or savings account

On XX/XX/XXXX I attempted to use my card at XXXX XXXX for {$500.00}. In the process of the transaction merchant states did not go through or kicked back if a issue will refund. On XX/XX/XXXX got a call from PNC about the transaction as possible fraud. also spoke to the bank they advise if the merchant did not collect it will fall of. On XX/XX/XXXX the transaction posted to the account I filed a dispute that no services was exchange merchant did not get money and I am out of money. Callback the next day agent advises at PNC that the previous agent did it wrong. Contacted XXXX XXXX XXXX  to see if they can possibly credit it back because that would be faster. on XXXX and XXXX spoke to PNC was told document sent out why I cant receive digitally is beyond me. Agent advised information I should send in I send email to dispute for pnc on XXXX. On XXXX message pnc they said the issue is escalated and some will contact me in 24 hours. It is now XXXX no calls I have call everyday. Im going back between outlaw bailbonds who claims PNC rejected the credit and PNC not responding so I don't know whats going on because no one returns my calls and I am out of {$500.00} with no return call or care in the world
Product: Credit card or prepaid card

I made a purchase and did not recieve services for what i paid. I contacted the credit card company regions bank but they did not resolve it.
Product: Debt collection

I have disputed this multiple times on my credit report. After contacting the company and asking them to send written notification in the mail I never received it. The most recent contact with them I was told to call XXXX  mobile and they could help me I contacted XXXX and XXXX mobile and they said theres never been an XXXX  mobile account associated with my Social Security number. This company is harassing me. Ive told them multiple times it is not my debt to please remove it from my credit report. My information and data has been leaked 39 times and sold on the dark web. Plus, its over two years old and the federal statute of limitation on a cell phone bill is only two years This is obviously a fraudulent account and a fraudulent attempt to collect a debt. Id like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed complaint XXXX with CFPB. This complaint is in regards to incorrect and inaccurate items being reported on my credit. 

I have emailed this company directly, filed a XXXX  claim, and a previous CFPB case. This information is still showing on my credit report. 

by law : FDCPA stipulates that the collection agency has 30 days to validate and verify claim against me. It has been over 120 and to date I have still not received this information. 

By law the company must stop reporting damaging information to my person or they are in breach of FDCPA and should be fined by CFPB in addition to damages owed to me.
Product: Mortgage

Requested a payoff letter for my mortgage to payoff the mortgage to get away from Rushmore Loan Management, received the payoff letter XX/XX/XXXX with a good through date of XX/XX/XXXX. Sent the payoff of {$89000.00} to Rushmore through XXXX next day on XX/XX/XXXX, to be signed for at delivery. No one was available at the office to sign for delivery on XX/XX/XXXX and someone from Rushmore signed for the payment on XX/XX/XXXX at the post office. Rushmore is now stating the payoff is XXXX and refusing to apply the payment of XXXX to the loan and still charging the full per diem interest amount on the full payoff amount instead of the change the per diem would be on the remaining XXXX. Ive had multiple issues with payments not being processed timely, or at all with this company.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized. 

KEY BANK XXXX XXXX XXXX XX/XX/2023 KEY BANK N.A. XX/XX/20XX/XX/2023
Product: Debt collection

Was not notified of status of the debt, to be able to try to resolve, until it impacted my credit report, and had to reach out to Find out what the debt was for. When I was made awear of the debt I call to resolve it. If I could have been aware of the debt initially I clod have been able to resolve it prior to it impacting my credit.
Product: Debt collection

have contacted AARGONbefore via phone/certified mail requesting validation of a claim that I owe them XXXX, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.The attempts have gone unanswered were asking for evidence bearing my signature ( Not invoice that was sent ), showing that I have ( or ever had ) some contractual obligation to pay them. This medical bill was paid by insurance to original provider .I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX XXXX and XXXX  XXXX from AARGON for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill that was or itemized document does not constitute verification that XXXX XXXX mailed as explained in the letter that was mailed.Therefore if XXXX XXXX can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, there was inquires made on my credit report that I did not know was made by this financial institute Credit Technologies. I have no regulation of this credit inquiry.
Product: Mortgage

On XX/XX/2022 I XXXX XXXX XXXX XXXX file for a Modification with SN Servicing Corporation, I was denial because SN stated that the lend holder XXXX XXXX XXXX XXXX XXXX, as XXXX XXXXXXXX XXXX  XXXX. Doesn't do modification. I have has modification before from the previous mortgage company like XXXX XXXX who transfer my mortgage to XXXX XXXX which is still the same servicing as SN Servicing under the holder. I will be providing document of the application and denial.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : Experian - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX and XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

Bank is holding a certified check from a major company and bank and refuses to electronically verify it, instead wishes to hold it for longer than the XXXX business days Regulation CC and Expedited funds availability regulations dictate. 

They only give me a nonsensical and non-specific reason as to why they are holding funds. 

I regularly deposit and withdraw large amounts monthly and the reason they give it that a certified check " gives them specific information it will not be honored '' ( won't disclose what that specific information is, is a major company I have done regular business with, and I have an established high direct deposit relationship with the bank, and have never had a bounced check )
Product: Credit reporting or other personal consumer reports

Credit acceptance is being fraudulent again. Got a XXXX XXXX  leaking motor oil and charged me XXXX for the car and its nowhere worth that now its on my credit
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred a payment in the amount of XXXX USD from my account XXXX XXXX account company of XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, opened with XXXX. JP Morgan Chase Bank was an intermediary bank in this chain, On XXXX XXXX, XXXX  XXXX XXXX XXXX sanctioned under the XXXX Order XXXX. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus,/ can not apply to OFACfor a license that is necessary to unblock myfunds because to do so, I must fill in some data and specifically the date when the payment was blocked. 
Chase Bank via XXXX XXXX Bank XXXX XXXX to clarify if the payment was blocked and reported to XXXX, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for the license required to unlock my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is report 3 late payments to XXXX on an ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX 1st late XX/XX/XXXX days late ( false ) 2nd late XX/XX/XXXXXX/XX/XXXX days late ( impossible ) 3rd late XX/XX/XXXX days late ( false ) This is just impossible how can an account be 30 days late multiple time never 60 or 90 days. I was never late on this account. This account is closed, paid in full, I have the receipts to prove such action from this bank! Moreover this whole account needs to be removed for all the errors or corrected to a paid in full never late status or I will sue. I have been working with a consumer attorney if this action is not fixed with in 30 days.
Product: Checking or savings account

I went to a restaurant for lunch, by myself, with no way to pay except my debit card. 

When the time to pay came, I gave my card but it was handed back to me as not working. 

I called the bank, and they told me that my card had been turned off, and there was no way to turn it back on. I asked why, and they said that " a merchant had been compromised '' and so they turned the card off. 

There's no way for the card to be turned back on, there was no replacement card sent, and there was no notification that the card was going to be turned off, despite their assurances that a notice was sent. 

They left me with no option to pay, they wouldn't forward the money for my meal from my account to the restaurant ... how was I going to pay for this meal? They left me completely stranded and without means to pay. Its humiliating, inconvenient and ridiculous. Surely that is not the first time that has ever happened. Why would you turn off one card before another is activated?
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXXXXXX
Product: Checking or savings account

I received a email from a hacker saying that they were XXXX. I called the number and long story short they under false pretenses took money through XXXX from my account. I disputed the transactions with Bank of America and they denied the dispute. Provided the denial as I need to contact the person that the money was sent to. Unfortunately the bank that the money was sent to has no way of disputing the transactions! Ive lost {$1600.00} and seen no support from the financial institutions which prompted XXXX! It is apparently not FDIC insured however all of the banks did not until recently many fraudulent transactions have occurred made this aware to the consumers. I have a bad taste for Bank of America due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian reporting agency is an absolute nightmare to work with. Their voice menu system is completely counter productive and it is impossible to reach a live person. My account was tied back a fraudulent recovery e-mail and I still am unable to access it as I can not get any type of support. However if I am a business I would have had no problem reaching a person. Because of this I am unable to enter a dispute regarding my credit report. I believe this is illegal activity.
Product: Credit card

Discover closed my credit card account without informing me. I couldn't use the card to make a purchase when I have been paying my bill on time every month. So I called Discover and found out that they closed my account and told me that they have sent an email about it. I receive over 100 emails a day how was I supposed to keep a record of emails? They didn't call me or left me any voice-mail regarding this. Upon checking my email I saw that there was a very unclear email staying " we need your consent to verify your income from IRS ''. I update my income every time as soon as I start working a second job to keep it up to date. I update it on all my credit card accounts immediately to avoid this issue. I find it very frustrating that no one was able to help me out when I called customer service and kept transferring me over to different agents. No one had a clue as to why the account was closed or had any control over it. This is not the first time it happened to me. Discover have tried closing my account before for the same " verification " reason as well. I work for a bank myself. I do understand the compliance policies and procedures but what Discover is doing to me is not due diligence or a compliance policy it's discrimination at this point. This is not the first time I have been disappointed and inconvenienced by discover 's unprofessionalism. And top of it they are threatening me to report my account to the credit bureau which was being paid for in time every month. I would like to sue discover for causing me this much inconvenience and trying to purposely hurt my credit score. I feel like I'm being targeted.
Product: Debt collection

On XX/XX/2015, after receiving a letter demanding payment from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I investigated the item and immediately sent a letter disputing the charges from XXXX XXXX XXXX in the amount of {$590.00} and requested that they immediately remove any outstanding balances from my accounts as well as remove it from my Credit Report. 

After numerous telephone calls, emails, and letters, they still refuse to properly validate the changes as well as remove them from my personal Credit Report. 

Obviously, XXXX XXXX XXXX has falsified the charges by prescheduled her into Appointments she neither Authorized or Confirmed. 

XXXX XXXX XXXX uses an online scheduling system with a " Confirm '' button and email confirmation. Neither my daughter or I ever confirmed the appointments. 

As I have written numerous times, my daughter said XXXX XXXX was " creepy '' in her words and never wanted to go back for additional chiropractic care. 

At the time of her first appointment, XXXX XXXX XXXX, prescheduled her into follow-on appointments which she did not confirm Online or Otherwise. 

What is more concerning is that your Statements from XXXX XXXX XXXX and XXXX XXXX XXXX do not match. Obviously FRAUD on XXXX XXXX XXXX.
Product: Credit reporting

I thought I was on U.S. Government Site. The Company 's name is XXXX. It was advertised as free. Now I 'm worried. I gave them personal information. After the information they asked for a fee wanting my credit card number. The original site I went to was U.S. Government 's Official Web Portal USA.gov. Then I was switched to a company called XXXX. I sent them an E-mail explaining on what happened to FREE? I have n't received a response yet. 

SincerelyXXXX XXXX
Product: Mortgage

Company : PHH Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # : XXXX Pay Plan Type Line of Credi I have applied 4 times. Each time, the Credit Draw Request is denied because I didn't follow their prescribed format. When I asked for the format in writing, I was told that it would take some time ; however, I was told that the agent was looking at the format. 
The credit draw is to provide for my wife who is on XXXX  and XXXX XXXX XXXX. I am running out of funds to provide for her care. Please assist. 
This is a practiced process. BEWARE