23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I apologize that this complaint is being filed late - I only recently learned of the service that the Bureau of Consumer Financial Protection provides. This complaint is related to our mortgage with Bank of America for our property at XXXX XXXX XXXX, XXXX, CA XXXX. In XX/XX/XXXX because our property was severely under-water ( we owed about {$300000.00} more than the property was worth ), we began the short-sale process. In XX/XX/XXXX, a buyer was identified and we sent the proposal to Bank of America. After months and months of delays, with numerous requests for more and more paperwork ( very frequently it was a request for information that had already been provided, several times XXXX, Bank of America finally approved the short sale. We received a letter from them ( see attached ) outlining the details of the approval. We complied with all requests. As you can see in the attached document, B of A indicated that we would receive {$22000.00} as part of a government program. Once the short-sale was approved, it took the buyer a little longer to get his financing approved - about 3 weeks. Because of this delay ( and despite the months of delay we had experienced with Bank of America XXXX, we were told that we were no longer eligible for the {$22000.00} because the program had expired. This seems very unfair to us because we had been diligent in complying with all the bank 's requests in a timely manner. Additionally, we had a credit card with Bank of America for many years ( unrelated to our mortgage with them XXXX. During the short-sale process, the bank sent us notice that our credit card was discontinued AND that we were no longer entitled to the rewards we had earned on the card ( rewards totaled about {$900.00} XXXX. It just seems that Bank of America acted unfairly with us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card On XX/XX/2019. When I deciding to apply for a credit card I accessed the XXXX major bureaus and unlocked my accounts. 
The issuing bank sent a letter explaining that when attempting to get a credit report that Experian indicated that the credit report was not accessible. 
After receiving the letter from the bank I rechecked my account with Experian and found that according to my account website my credit report was unlocked, only after attempting to lock and unlock again did I find that there was a security freeze applied. I was informed that I would need to call Experian to address the security freeze. 
When I called the number provided the automated answering system would not recognize my inputs whether I typed them or spoke them. I have not been able to resolve this issue with Experian as I have not been able to get past their automated system.
Product: Debt collection

I have never had a payday loan through this company. I have gotten several emails like the one I am attaching to this complaint. As the email account is a XXXX account, it is a false account, ACE does not use a XXXX account nor do any collection services that I am aware of.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Mortgage

Selene Finance and XXXX XXXX XXXX conducted an illegal non judicial foreclosure violating my bankruptcy stay. The have ignored correspondence and have no standing on alleged Deed of Trust they have based their predatory practices. ( Exhibit 1 ) Timeline : Foreclosure Sale date scheduled XX/XX/XXXX. Filed by new trustee without notice and based on invalid Notice of Default dated XX/XX/XXXX identified with different TS # XXXX. And illegally filed as California Declaration of Compliance was dated XX/XX/XXXX ( Attached ) which was during an active Bankruptcy. ( Exhibit 2 ). They filed for foreclosure sale again on XX/XX/XXXX, XX/XX/XXXX and illegally foreclosed on XX/XX/XXXX. Alleged loan shows current as of XXXX. ( Attached ) Attached : 1. Fraudulent Substitution of Trustee which was recorded by Beneficiary that was assigned after the Substitution of Trustee who assigned it. 

2. Debt Validation by former alleged Trustee stating over {$640000.00} dated XX/XX/XXXX conflicting with attorney for former alleged servicer XXXX dated XX/XX/XXXX as default being {$340000.00}. This was under oath in Bankruptcy Court which was discharged XX/XX/XXXX. 

XXXX. Notice to Quit posted to my door by XXXX XXXX XXXX XXXX on XX/XX/XXXX. Continued violating Bankruptcy Stay and constant visits by Realtor hired by Selene Finance.
Product: Debt collection

I called bridgecrest ask them for all contracts that was sign I ask them if car was sold at Market value not a Auction I need the Information for that lady told me it was sent I told her I never received anything from yall I told her I did not Authorize the sale and use of my Personal Information my Social data of birth did not give them right to us it the woman did not want to send me all the documents I asked for
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 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 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 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) 19 ) due to inadequate customer service and unfair practices, which violate the Consumer Financial P

rotection 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 financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

On Saturday, XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud on my account and replacing my card that indicated that they send the request to another business or unit who process of mailing the New Bank Card. The make seem like XXXX comes to the office and issues the bank card the is not true a tracking number is imputed on labels so you do not have wait for tracking number. Then if you establish Business you also order printed labels with you business name and address, account and the Track number is on the right side of the label. So why do Navy Federal Credit Union Customer Service and Supervisor make seem extremely hard to obtain a Tracking Number for them to mail a replace Debit Card when they wo n't have to replace it if that did n't allow unauthorized charges, fees, to be subtracted the account and they secure their member account your assistant with this is greatly appreciated. Please make sure this Credit is working according to United States Federal Regulation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit Bureaus over 30 days ago and I am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Student loan

I have been paying this loan of XXXX for over 10 years. Something is wrong! Too much money each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX XXXX XXXX ( Mortgage owned by XXXX XXXX XXXX  ) stopped reporting the status of my payments, which were made on time. By failing to report the status of my recent payments, it lowers my credit score preventing me from re-financing. I have filed complaints with both XXXX, and then the credit bureaus. XXXX  closed the complaint without changing the status of payments since XX/XX/XXXX. The payments should be reported as on time, since XXXX failed to report the status to XXXX. In XX/XX/XXXX, XXXX  XXXX XXXX stopped using XXXX XXXX   XXXX  to manage mortgages, and it is now with XXXX XXXX. I would like XXXX  to change the status of the payments from XX/XX/XXXX to XX/XX/XXXX as on time or current instead of " not reported ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX there was a letter sent to Transunion about inaccurate account information that has been reported on my credit profile, I have sent in information 's showing that this information on my credit profile is reporting inaccurate and this is the XXXX time reporting this information and to Transunion and they refuse to remove it from my credit file it has been over XXXX days and nothing was removed neither have they send over a updated credit report with a response, Due to this derogatory item being reported on my credit report this has caused me great hardship and I have been denied credit for myself and my family which has now carried over into my business as a business owner. 
This situation has really put my life on hold I ask that immediate action take place to resolve this issue and the item is removed ASAP. 

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

On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my XXXX and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.
Product: Debt collection

On approximately XX/XX/2019 Revenue group reported a collection to my account and I have never received anything from this company. 
I have contacted company to dispute and let them know I never recieved any documentation to dispute and to remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thef
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX XXXXXXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$560.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Checking or savings account

Chase Bank XXXX. XXXX Not being able to access Online Banking Keep locking out even I have cleared security lock with representatives with Fraud Department more than several to dozens times. 

Keep cancelled wire money request to send money to my daughter with XXXX XXXX XXXX XXXX for several times 1000 dollars XXXX. XXXX. XXXX. XXXX. 
700 dollars XXXX Other canceled wire money notification by email received to XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX dollars with 20 dollars fee. XXXX XXXX several times. 
Not being able send Takes more than an hour to contact Fraud Department in XXXX and possibly an XXXX. 
takes more than 30 min. If calls fails takes another an hour plus 30 min. 
Even they unlock Online banking, it keeps locking out due to consider suspicious activity no matter what Fraud department clears. Automatically or after some one manually locks out? Even after I cleared security process. 

Personal financial information has release to foreign countries by recount my calls to overseas. 

Cost of an international calls- more than 25 dollars spend. 

Checking account I plan to move my all of the money to another bank. no future direct deposit. 

I have to move all of my money to another investments to another investment banking. 

I believe to be this is an interferences with my all of the transactions and holding my Money.
Product: Checking or savings account

An individual went to the key bank XXXX XXXX branch on XX/XX/XXXX and presented a fake Passport card ID, and the teller handed over {$2000.00} of my money, without presenting or swiping a bank card. The following day on XX/XX/XXXX, an individual went to the key bank XXXX branch presented a fake Passport card ID card, and the teller handed over {$2000.00} of my money. I reported the incident to key bank on XX/XX/XXXX as soon as I noticed money missing from my account. Key bank has refused to reimburse my money up till now. I filed a police report and opened a new account as instructed by key bank, but I do not have the funds to pay into it, .. my direct deposit going to fund the current account takes months to change due to logistics of things and in the meantime, all my auto payments are tied to this account. My bank card is in my possession at the time of the incident and was never reported stolen. Even though Ive been with the bank well over XXXX years, Ive always swiped my card and put my pin every time I withdrew money and it was a shock to find out someone could give my money to a stranger. Im the only one on the account since it was opened. 
The most painful part of this whole thing is that it was preventable especially in the XXXX branch. I googled the reviews on the branch as soon as this happened and I found out that the exact same thing happened to someone XXXX years ago and that individual lost {$4000.00}. My question is how can this be a mistake or an accident?. For your information also, I have a credit card with this bank and Im paying interest on it while the bank refuses to refund my money to pay down the balance. I just want this nightmare to end, .. this couldnt happened at a worse time because of other things I have to deal with.
Product: Credit reporting or other personal consumer reports

I've sent numerous letters to XXXX, TRANSUNION AND XXXX to update an inaccurate and unverified late/missed payment on XX/XX/XXXX they have reporting and each time, they have disregarded. In each letter I requested them to show their investigation process, and they have never showed.I spoke with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and they stated that there is no late/missed payment on XX/XX/XXXX. XXXX, TRANSUNION AND XXXX are deliberately committing fraud by not removing the late payment. XXXX, TRANSUNION AND XXXX have intentionally not done investigations, have not provided the investigation process and not showed investigation process. I require XXXX, TRANSUNION AND XXXX remove the inaccurate and unverified late payment they are reporting.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX Account # : XXXX Inaccuracies : XXXX. " Date Opened '' Issue : o Date Opened : XX/XX/XXXX. 
o This date is in the future, which is impossible and indicates an error. 
XXXX. " Last Reported '' Date : o Last Reported : XX/XX/XXXX. 
o Again, this is a future date and violates reporting accuracy standards under the FCRA. 
XXXX. Account Type - Detail : o The " Account Type - Detail '' field is reported as Collection, but the original creditor ( XXXX XXXX XXXX ) must be verified. Inconsistent reporting of " placed for collection '' may require proof of assignment. 
XXXX. Balance and High Credit Conflict : o Balance : {$150.00} o High Credit : {$130.00} o The balance can not exceed the high credit amount, indicating a discrepancy. 
XXXX. Date of Last Payment Missing : o There is no information on the Date of Last Payment, which is required for collections. 
XXXX. Payment Status ( Ambiguous ) : o Listed as " Collection/Chargeoff ''. The creditor must clarify whether the account is currently being collected or officially charged off. 
XXXX. Payment History : o The Two-Year Payment History grid is completely blank and does not provide the expected monthly reporting information. 




XXXX  XXXX Account # : XXXX Inaccuracies : XXXX. Future Reporting Dates : o TransUnion Last Reported : XX/XX/XXXX o XXXX Last Reported : XX/XX/XXXX o Reporting future dates violates the FCRA 's accuracy and timeliness rules. 
XXXX. Balance Inconsistency : o The account balance is reported as {$700.00}, but the Credit Limit is {$500.00}. 
o A balance can not exceed the credit limit without proper verification, indicating a reporting error. 
XXXX. Comments Conflict : o TransUnion : " Dispute resolved ; reported by grantor. '' o XXXX : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Accounts closed by credit grantor. '' o The comments are inconsistent across the bureaus, suggesting unreliable reporting. 
XXXX. Date Discrepancies : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates should align if the account activity is accurate. 
XXXX. Two-Year Payment History : o TransUnion and XXXX show XXXX CO '' ( Charge Off ) for multiple months. 
o XXXX indicates " OK '' status after some " CO '' entries, which conflicts with the derogatory status. 
XXXX. Account Type/Status : o Listed as Revolving Credit Card but simultaneously flagged as Collection/Chargeoff. 
o Accounts can not be both " revolving '' and charged off without further clarification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of the law. 

Company is reporting that the account is open when it has been paid. And closed for over 6 months.