23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to TRANSUNION for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX XXXX XXXX XXXX TX XXXX. The FTC report numbers related to this complaint are XXXX, XXXX, XXXX, and XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Mortgage

Bank of America has forced lender placed insurance and would not allow me to pay amount in full until my homeowners association resolved the matter. They were forcing me to pay an additional {$130.00} per month with out cause nor willing to adjust amount if the program was paid in full. There is a good reason why this firm is constantly being investigated by the US government. i have mortgages with 2 other companies and not once have I ever had an issue. Stay clear of using this bank for home mortgages as they are crooks.
Product: Checking or savings account

on XX/XX/XXXX I contact td bank to get them to reopen my account and they refused the checks I have made cleared my finest account as a revels instead of it being a nsf I wrote XXXX check XXXX for XXXX and XXXX for XXXX all of which was paid I even emailed the bank telling and sent them proof the checks clead give me a XXXX credit
Product: Payday loan, title loan, or personal loan

I am suffering from Covid and dealing with numerous deaths in my family. I notified the bank of a hardship and that I was out of town due to family XXXX and XXXX. They decided to request more information then originally after I told them that I was handling funerals. Us bank is intentionally causing infliction of pain and suffering. They stop me from doing the loan forgiveness a year ago while in the middle of applying to change the terms multiple times which had me confused. I told them I would just pay it back due to the hassle and their deceit and they are ignoring it just to cause any suffering to me possible while I deal with death.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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: Mortgage

M & T Bank holds the mortgage to my condo and I was in court proceedings for foreclosure with M & T Banks attorney 's I applied to XXXX XXXX XXXX XXXX XXXX  to help reinstate my mortgage. 
My mortgage is with XXXX XXXX XXXX XXXX  Agency ( XXXX ) XXXX at that time ( XX/XX/2022 ) requested the most current mortgage statement, and they then reached out to M & T Banks attorney 's that are assigned foreclosure case. 

The my mortgage statement was reviewed by both parties and negotiated the amount that would be accepted by M & T Banks attorney 's to reinstate my mortgage and bring it out of foreclosure. 

I then received an email in XX/XX/2022 for XXXX a promissory note and singed stated that the funds/amount would reinstate my mortgage with M & T Bank XXXX 

After M & T Bank received the funds from XXXX they then told my that my mortgage payments were brought current and that I still owed additional {$9800.00} plus to them. 

Bait and switch- this is not what the agreement stated when I signed it. 

If someone could please help me with this matter I would very much appreciate it. 

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

After reviewing my credit report, I found several inaccuracies, including late payments that don't reflect my typical payment history. Kindly correct these errors and adjust my account.
Product: Credit reporting

I have contacted credit reporting agency TransUnion multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that TransUnion is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This is a follow up to my Key Bank dispute. I forgot to mention that you said I confirmed XXXX transactions on XXXX XXXX??? You may have gotten a phone call but I can tell you it WAS NOT ME that called you! I have never spoken with you!
Product: Money transfer, virtual currency, or money service

received a phone call on XX/XX/XXXX from a phone number that was the same as Wells Fargo, exactly.. it was a person claiming I needed to make a transaction to reverse someone trying to take money out of my XXXX account XXXX The person told me to double check the phone number he was calling from with the phone number on the back of my Wells Fargo debit card and it was the same he also made me verify who I was through a Wells Fargo text message.. the text message was exactly the same as what Wells Fargo sends , to the t. The person that called me sounded like they were at a Wells Fargo location they were trained by Wells Fargo and they knew exactly how Wells Fargo works XXXX Somehow he convinced me to send money through zelly to myself and it ended up sending {$3500.00} to someone, scammer, out of a state. I called Wells Fargo complaint department immediately and filed a complaint I filed a police report I have been in constant contact with Wells Fargo ever since. 45 minutes wait time on hold before I speak to a representative every time. I received a letter yesterday XX/XX/XXXX dated XX/XX/XXXX saying my claim was denied. Please help.. I rarely use XXXX and never more than {$200.00} transactions.. I am extremely safe with my bank account but I feel this particular scammer had to be an inside job. 
I have filed police report. 
please help get my money back.!!!
Product: Credit card

Bill originally showed up as Comenity Bank, with no other information as proof of my actual purchase through XXXX XXXX XXXX  XXXX. Once I was able to confirm where the purchase was made, I confirmed with XXXX XXXX  that they could release the funds. XXXX XXXX  has confirmed that they did so & Comenity has not been able to locate the payment. They requested proof of payment in 3 different way, at 3 different times. They do not accept electronic communications so they only way to send anything to them it through the mail. Registered/signature reqt 's mail is not allowed. Every time they have requested one manner of proof, I send it. They then say that they have never received the former requested material and that in any case, that particulare material that they had previously reqtd as proof is not acceptable. I had a 3 way call between myself, XXXX XXXX  & Comenity which resulted in them saying they would send me a form to my email that should finalize the problem. I rec 'd the email, but the link did not work. After 6 months of trying to deal with them, at least a dozen hours on the phone, 3 mailings of requested information and more hang-ups ( when they say that they are transferring me to someone more senior ) from them that I can count. I feel that I have exhausted all options at this point & have even had one of their supposed managers tell me that I might want to get an attorney. They continue to call me multiple times a week & my bill has more than triple, which is of course affecting my credit score. Can this office help with this problem?
Product: Credit reporting or other personal consumer reports

I have a hard pull on my credit from flagship credit acceptance and I gave them no permission I don't even know what the company is or how they got my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a debt collector on my Equifax report that has a strange name .... XXXX ... this is how it shows in my credit report. This is not mine and I contacted Equifax to remove it. They have not removed it after I stated to them that I am a victim of identity theft.
Product: Credit reporting

Apparently Transunion changed there scoring model which caused my score to drop XXXX points, it went from XXXX to XXXX because of a change in their scoring model. I did not have anything negative reported/changed on my report yet my score dropped XXXX points!? I do not feel this is fair to consumers, how can the bureaus make changes that negatively impacts consumers. Transunions scoring model should be investigated to prevent further negative impact to consumers.
Product: Debt collection

Calling to collect a debt from a completely unrelated person. Called both my father and I numerous times. No responsibility for this debt calls should have never been made to my place of business or my father. Unprofessional and harrising. Unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to all 3 bureaus about bankruptcys on my report and transunion and XXXX have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and XXXX XXXX
Product: Debt collection

So my XXXX year old wanted to get some air, we let him go in our front yard, thinking no one would dare come within 6 feet of him during a pandemic. However, XXXX XXXX XXXX sent a man to my home to deliver a collection letter and HANDED IT DIRECTLY TO MY XXXX YEAR OLD CHILD, risking the health of my family!!!! Most likely because we have a cease and desist on the phones due to all the dialer calls. Couldn't he just have posted it on the door, or walked to the garage door to tape it up?!?! My XXXX year old asthmatic grandmother lives here. CPS couldn't even wait for stimulus checks to drop before risking the health of my family, also our balance is now XXXX since the stimulus check came today. I am going to do everything I can to get our car loan out of their hands. As a former XXXX XXXX, I can fully accept standard debt collection practices under normal circumstances, but not in the middle of a pandemic!!! That is so risky and I hope they have not infected other households!!!!!
Product: Credit card or prepaid card

Barclays responded to my complaint and sent a letter dated XX/XX/2018 but there is a discrepancy on date which letter was generated and it's authenticity. On XX/XX/2018, I spoke to Barclays representative and confirmed that there is no letter/correspondent being generated or drafted and this can be confirmed by Barclays since all phone conversations are recorded by Barclays. In the letter reason why they lowered credit line was because of 'Utilization of revolving accounts is too high. ' They FAILED to provide details in numbers/percentage of the reasons to lower credit line to support 'Utilization of revolving accounts is too high. ' They have no supporting statement nor they have valid reasons/justification to lower credit line. Once again, only reason why they lowered credit line is because I have made {$8000.00} payment and this is clear violation of Credit Cardholders Bill of Rights and Credit Card Act. If I have made {$10000.00} payment, credit line would have been lowered to {$4900.00}. Barclays do not have clear guideline or justification of why they decided to lower credit limit to {$6900.00}. ***THEIR DECISION IS ALSO BASED ON CREDIT REPORT THEY RAN ON XX/XX/2018 WHICH IS NOT MOST UP TO DATE AND THIS IS SERIOUS VIOLATION. *** Barclays also FAILED to provide what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO FAILED TO PROVIDE WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO SUPPORT THE REASON WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please investigate this serious and intentional violation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation Under the fair credit reporting act to conduct a reasonable investigation for disputed on my credit report leaving an inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently. Filed a lawsuit against Experian. Alleging systemic issues. Such as failing to forward, consumer provided evidence to furnishers, excepting unreliable responses and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed these items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate action to either remove or amend the disputed accounts, as XXXX inactions violates federal laws and my rights as a consumer.
Product: Debt collection

This collection agency DRS recently posted negative collections on my credit report and ruined my credit. I dont recall this debt. I have contacted debt collector multiple times for the details. A signature, date opened, original delinquency, original amount, date of alleged loan, etc. They simply will not provide any information. I filed a dispute with XXXX and they say that the debt collector verified that the information is correct. However, neither will tell me the before mentioned details or proof this is my debt. The collection agency is also reporting this as a new loan. However, XXXX says the negative debt will be removed from my credit report in XXXX. This means this debt must be at least XXXX years old. They are reporting it as new and reporting it that way. I believe this debt was removed off all the credit agencies years ago. It originally showed up as closed. Now it is back and has ruined my credit after I worked very hard to pay off all my debts and rebuild my credit which was hit negatively by my student loans. The credit agencies are not reporting it as a XXXX year old debt. I believe this account was sold to predatory collection agency and they are reporting it in a dishonest manner. I believe that they should provide me with proof that the debt belongs to me, give me all the details including when it was originally taken out and for what amount. If it is my debt they should report it as an old debt and stop reporting it like I recently took it out. I honestly do not recall taking out this loan or credit card debt. All I am asking is that the collection agency give me the details and report it honestly. They are holding me XXXX by messing up my credit that I have worked hard to repair. Thank you so much. XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, I had called Great Lakes Student Loans in regards to my Student Loans going into default on the XXXX. The Representative asked if I could make any payment. I made a {$50.00} payment and she was going to check to see if she could set me up on another payment plan and call me back. I received no callback. I called back on the XXXX and was told that my case was still pending approval and there was no note to call me back. The woman told me that if I made the remaining {$160.00} ( to total the {$210.00} payment - which is part of the graduated payment plan which they were working on getting me on ). She informed me that if I made the payment then I would be placed on the payment plan and MY STUDENT LOANS WOULD NOT GO INTO DEFAULT! This was on a recorded line! I am furious to know that they have been moved to a collection agency!
Product: Credit reporting or other personal consumer reports

I called due to XXXX, XXXX and Equifax not answering my disputes for the past year and they put me on hold for 30 mins then hung up on me. I will now seek legal action.
Product: Checking or savings account

On XX/XX/2023 I was charged {$50.00} for a scanner that the bank gave me to deposit checks. This is a monthly charge that I have been paying for 39 years. Chase closed my account the next day XX/XX/2023. I called for a refund as I didn't get to use the scanner and I was told once the account is closed you cant make a dispute. So once they close the account they can steal my money. Shame on Chase Bank.
Product: Mortgage

Borrower : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX My Loan Care XXXX XXXX has been notified on multiple occasions and for several weeks that the payoff balance provided and money they collected was incorrect. They have blatantly ignored addressing this matter and providing a refund. The following has been sent to them via mail and email multiple times and they refuse to respond at all. 

" I am owed a refund. Please view the table below and adjust my payoff amount and provide a refund, as per the payment history details. Loan was current through the end of XX/XX/2020. Principal Balance was {$440000.00}. Five months of payments in the amount of {$2400.00} per month were deferred for the months of XX/XX/XXXX-XX/XX/XXXX for a total of {$12000.00}. In addition to the remaining escrow balance for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX In the amount of {$54.00} and new escrow charges for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX in the amount of {$280.00}. Total Deferred amount {$12000.00} ( 5 monthly payments + All Escrow fees ). In addition to original principal balance of {$440000.00}. 57, which Brings the FINAL PRINCIPAL BALANCE {$450000.00} from XX/XX/XXXX-XX/XX/XXXX.

I since made 5 payments in the amount of {$12000.00} which should have been applied to XXXX payment ( {$600.00} Principal + {$1800.00} XXXX XXXX and XXXX monthly payment XXXX {$600.00} Principal + {$1800.00} XXXX XXXX in the amount of {$4800.00}. 68 ( {$1200.00} principal + {$3600.00} XXXX ). BRINGING PRINCIPAL BALANCE TO {$450000.00}. XXXX ( {$450000.00} - {$1200.00}. The remaining payment balance in the amount of {$7400.00} ( $ XXXX {$4800.00} ) should have ALL been applied to the principal balance ( Per my specific request to pay down principal balance prior to refinance going into effect in XX/XX/2020. ) BRINGING FINAL TOTAL PRINCIPAL BALANCE AND PAY OFF {$440000.00} ( $ XXXX {$7500.00} ). Minus Remaining Escrow payment made ( rolled into deferral amount that was back charged ) for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX in the amount of {$210.00}. BRINGING THE CORRECT FINAL PRINCIPAL BALANCE AND CORRECT PAYOFF AMOUNT TO {$440000.00}. 

Pay off payment made on XX/XX/2020 in the amount of {$440000.00} ( {$430000.00} + {$12000.00} ). Refund balance owed to customer in the amount of {$2800.00} ( {$440000.00} - {$440000.00} ). 

***Please make check in the amount of {$2800.00} payable to XXXX XXXX and overnight mail to the following address : The XXXX : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX , CA, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and damage as well as financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$17000.00}
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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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.