23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I spoke in person with Assistant Manager XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keybank National Association Branch. I requested XXXX XXXX to liquidate my corporate Certificate of Deposit held in the name of XXXX XXXX XXXX, which is incorporated within the State of XXXX. I am the 100 % owner and I, in person, purchased the CD on XX/XX/XXXX account number XXXX. See the attached copy of the CD and receipt for the purchase of {$50000.00}. Assistant ManageXXXX XXXX XXXX did not explain to me why the hold was on my CD which is stopping me from cashing it out and who placed the hold on my CD. I am being denied my {$50000.00} without just cause. I would like a written explanation of why I am being denied my {$50000.00} and who is responsible for placing the hold on my account.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

i have never been late on payments for the account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late.

If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Equifax, XXXX and XXXX with no response about removing old addresses that do not belong to me : XXXX is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax is reporting inaccurately XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

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 U.S.C. 1681. 

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. 


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 : States a consumer reporting agency can not furnish account without my written instructions.
Product: Debt collection

This is my formal request to address and resolve the unauthorized accounts and inquiries listed on my credit report. These inaccuracies have had a significant negative impact on my XXXX score, causing a noticeable decline that is making it difficult to maintain my financial standing. I am reaching out to your office with urgency and respectfully request your assistance in correcting this matter. This is especially critical as I am preparing to apply for a loan that requires a high XXXX  score to be eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial goals. Thank you in advance for your support and cooperation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid in full my XXXX student loan in the amount of {$6300.00}. That payment closed out the account and brought it to aXX/XX/XXXX balance. XXXX never updated my credit report to show it was paid in full and with aXX/XX/XXXX balance ( last credit report update was XX/XX/year> ). XXXX no longer services the account and it's now serviced by Mohela ( even though account was paid in full and closed prior to being transferred to Mohela ). Mohela has provided contradictory information and stated that they updated the credit agencies on XX/XX/XXXX that the account was paid in full- the credit reporting agencies haven't received this information. I called Mohela today and was told that I have to send a letter to dispute the information and that it's not their job to correct incorrect information unless I send in a letter. This is unacceptable as it's still showing open with a balance. 

I have been lied to by Mohela multiple times about this. They have claimed to report this as paid off multiple times when it has not been. I previously submitted CFPB complaint XXXX that the credit report would be updated at the end of XX/XX/year>- it has not happened. I have attached proof as well that on XX/XX/year> that Mohela said they also reported it as closed and paid in pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX  SELF-REPORTED XXXX, XXXX SELF-REPORTED 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 (  Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX  XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I submitted a complain ( # XXXX ) regarding I did not receive notice to dispute from Consumer Adjustment co XXXX XXXX XX/XX/XXXX the company responded, stating they have sent me a initial notice thought US postal on XX/XX/XXXX ( with no proof of delivery ), Company responded to the complaint stating they will respond to dispute letter. I did not receive enough information to verify any debt. 
The information I did receive violation code 15 US 1692 ( b ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Furthermore this company has violated my consumer right by reporting to credit bureaus without written consent According to 15 U.S. Code 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except for 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall Lastly when I pulled my credit file for XXXX under loan type it says Collection agency/attorney which is very misleading. 
According to 15 U.S. Code 16929 ( e ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
My consumer rights have been violated and this is affecting my credit file tremendously. I would like for the company to be removed off my credit immediately and to fine for the violations listed above. 
Attached below are all supporting documentation.
Product: Mortgage

We had a fixed rate VA mortgage until Freedom Mortgage bought out our mortgage company, then they raised our interest two or three times. We swallowed the raises at that time, but no more! Now we payed off our mortgage and have had multiple problems. 
On XX/XX/XXXX we got a payoff statement of a figure of {$1100.00}. We sent the check on XX/XX/XXXX, and they cashed it on XX/XX/XXXX.

On XX/XX/XXXX we got a check for the escrow money, which should have been {$210.00}, but the check was for {$130.00}.

Every time we called them between XX/XX/XXXX and XX/XX/XXXX, they said we still owed them money. However, when they checked into it, they said it had been posted wrong on their end and we were correct. Now they deducted their error from our escrow check.

The escrow was to pay any taxes and insurance, however, we have been paying our taxes and insurance separately. At the end of each year they would send us a check to cover our payments.
Product: Debt collection

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification, so if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it!
Product: Money transfer, virtual currency, or money service

I used the payment processor SquareXXXX to process payments in XXXX of 2020. My account was cancelled and they help about {$17000.00} of my money. I was never given a release date. After multiple emails, they finally said my money was being held for 180 days, which was XXXX XXXX, It is now past XX/XX/XXXX and I can not transfer my money or get a response., There are no disputes pending and it is too late to file disputes.
Product: Debt collection

On XX/XX/22 After reviewing my credit report I noticed a debt list from a company called Key 2 Recovery Inc. I contacted them by phone to speak with someone about the debt. I requested information to be sent to me about the debt I was hung up on I called back 5 times I talked to a supervisor he stated a letter was sent to my current address on XX/XX/22 requesting for me to confirm or disputed the debt. I requested for a copy of the original letter to be sent to me via certified mail. Supervisor refused and stated I will send it via email I decline again I was hung up on. I have made XXXX other attempts to contact Key 2 Recovery they pick up the phone and not say any thing.
Product: Debt collection

XXXX XXXX & Portfolio RC are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to address some of the fraudulent items in my file resulting from alleged identity theft. However, there are still items that need to be removed. This marks my third complaint as a victim of identity theft, and I am submitting a dispute for the remaining fraudulent items in my file. The items I am disputing have no connection to any transactions involving the possession of goods, services, or money that I have made or authorized. Please remove the reporting of these items in my credit file, as they are unknown to me. Additionally, the information provided on these items has been deleted from other bureaus, casting doubts on their accuracy and reported payment history in my file. I have attached my FTC Report # XXXX for your reference. Here are the remaining items that need to be removed from each bureau : -- -- -- -- -- -XXXX XXXX -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} -- -- -- -- -- -XXXX -- -- -- -- XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} -- -- -- -- -- -TRANSUNION -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax forfailing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I have sent payments in to American Express on several occasions and the payments are either sent back to the bank or deposited and not credited to the account. 

I have reached out to the XXXX  of American Express and they have not been able to resolve the problem. 

Other times I receive my bill late and by the time it needs to be paid I get a late fee and interest charges on my account. 

The last time I called American Express it took 2 hours on the phone and no progress. 

After making a complaint to the executives, I received a notice that all of my accounts were suspended and my credit limit was reduced.
Product: Mortgage

* In XX/XX/XXXX, my husband and I applied for a mortgage through Rocket Mortgage.Our primary mortgage is with them and it appeared to be a seamless process. We were pre-approved for a mortgage and then upon providing additional documentation, we were approved for XXXX mortgage. 

My parents reside in Florida and are elderly. We planned on purchasing a condo near them to assist them as they move on in age. Upon mortgage approval, I flew form NY to FLA to secure a home. 

We found a condo, had an accepted offer, paid for inspections, and condo association fees. 

A bulk of our down payment ( approx XXXX ) was derived from the sale of an investment property we sold on XX/XX/XXXX. We provided HUD and closing documents to demonstrate proof of funds. We dilgently checked the Rocket portal to ensure a XX/XX/XXXX closing. I spoke countless times with Rocket regarding the sourcing of these funds. When inquiries were made that their appeared to be a discrepancy ( in our favor ), we put Rocket in touch with our attorney who provided all of the documents needed to close. 

On XX/XX/XXXX at appromixately XXXX, Rockert informed us that we never should have been approved for the loan in the first place and that Rocket would absorb related costs ( flights, inspections, etc. ) as it was their error. We were informed to contact the escalation dept. 

We registered our concern, provided receipts demonstrating fees incurred, and time line. One week later, we were informed by Rocket Mortgage Resolutions Advocate, XXXX XXXX that our case did not warrant reimbursement despite being told by our Rocket Mortgage loan officer we would be reimbursed. We have copies of emails and voicemails supporting that Rocket Mortgage would reimburse us and 'make this right. ' Upon speaking with XXXX XXXX regarding the decision that was made with her leadership team at Rocket, we inquired about where we could register our concerns about our treatment. We requested oversight agency information. XXXX XXXX said she was unaware of such agencies and that we should check the Rocket Mortgage website under " contact us '' for additional information. All of our phone calls are recorded with Rocket per their policy to support this claim. 

We have asked several times through phone calls and emails why it was a mistake that we were approved for a loan in the first place and as of XX/XX/XXXX, we still do not have an answer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, & Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number XXXX, another account opened at XXXX on XX/XX/year> under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

they call me 3-4 times per day from many different phone numbers. i keep blocking the numbers and they keep coming up with new ones. I have asked them to stop and they just keep calling
Product: Debt collection

I have disputed these accounts a few times. A few years ago when the XXXX breach occurred, I checked my free credit reports for all 3 bureaus and noticed Capital one accounts # XXXX for {$370.00} & # XXXX for {$420.00} were opened fraudulently on XX/XX/XXXX, both accounts were then acquired by XXXX XXXX XXXX on XX/XX/XXXX. Today, XX/XX/XXXX, I sent an email to XXXX. I have also sent a copy via mail to this office CFPB, XXXX, FTC & Massachusetts AG office.
Product: Checking or savings account

On XX/XX/XXXX I deposited an international check drawn on the bank of XXXX XXXX ( XXXX ) in the amount of {$18000.00} ( XXXX ) at the local branch of my bank ( Fifth Third Bank ) on XXXX XXXX. XXXX, FL. At the time, my checking account had approximately {$300.00}. On XX/XX/XXXX I checked my online account. It reflected a negative balance of {$4900.00} due to a transaction to convert the international deposit to U.S .dollars from XXXX dollars without releasing the funds from the check in question. I immediately called the banks helpline. They were of no assistance. I went to my local branch and spoke with a banker who said he would email the appropriate people and would let me know the outcome later in the day. He never called back. On XX/XX/XXXX I called the local branch again and was advised that the matter was sent to risk management and a resolution would likely not occur prior to the long holiday weekend and I would be unable to use my debit card or access the funds that were present in my account prior to the conversion due to being overdrawn. I Then requested to speak to the branch manager. He did not return a voicemail requesting a call back. I then entered into a lengthy text conversation on the secured account website with a customer service agent and supervisor. I was told that I was out of luck and would be unable to access my account until the international check cleared on XX/XX/XXXX. When I asked how they could keep me from accessing my funds that were present prior to the conversion debit, they had no explanation. As we were text chatting, I received a notice that my cell phone was being turned off due to non payment. My direct payment did not go thru due to the overdraft. I have other direct payments that will also be denied. This is causing me severe mental anguish. I feel that Fifth Third has stolen my money by denying me access to the funds I had in the account prior to the currency conversion debit that caused the overdraft. Worst customer service I have ever experienced.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have fallen victim to identity theft, resulting in multiple fraudulent entries on my credit report. These 9 unauthorized accounts and 8 inquiries were added without my knowledge or consent. 

ACCOUNTS - XXXX Account # : XXXX - XXXX XXXX XXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX XXXX XXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX Account # : XXXX INQUIRIES - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX I have filed a formal report with the Federal Trade Commission ( FTC ) concerning this identity theft and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting stated that on XX/XX/2023 that I requested credit from Santander Consumer USA Inc, and violated my consumer rights with inaccurate reporting. The information below I am disputing. It is inaccurate. 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. 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 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.