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

I hope this complaint reaches you with a sense of urgency and concern, as it reflects the continued frustration and disappointment I have experienced in my dealings with your credit bureau. I initially contacted your bureau in XX/XX/ to report a severe case of identity theft that has caused significant distress and hardship in my life. Despite providing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in resolving this matter. I am compelled to label your bureau 's response as a " nuisance '' because, despite numerous attempts to engage with your organization, I have not seen the progress or resolution that one would reasonably expect in a situation of this gravity. Please have these accounts DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America ( BofA ) placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with BofA in the past 2 years. I contacted XXXX on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact BofA directly. I contacted BofA on the same day and submitted an investigation into such inquiries. I never received any answers from BofA and the hard inquiries still show on my report. 

Then on XX/XX/2021, a new credit card from BofA was added to my credit report ( date opened : XX/XX/2021 ; credit limit : {$5000.00} ; balance : {$32.00} ). Again, I have not requested nor applied for credit with BofA in the past 2 years. I contacted BofA again on XX/XX/2021, they said they could not find such new credit card under my name but have not been able to get the credit card and the hard inquiries from XXXX and XXXX removed from my credit report. 

Attached please see XXXX report with the disputed account and hard inquiries highlighted in yellow.
Product: Mortgage

Documents were sent to US Bank for a loss mitigation review of the Making Home Affordable Program on XXXX XXXX, 2016. These documents were followed up by a call on XXXX XXXX, 2016 to confirm complete and received. They advised that the only thing that would be needed to complete this package would be a financial worksheet. This document was faxed to them within an hour of the request on XXXX XXXX, 2016. When US Bank was contacted on XXXX XXXX to confirm that this was received, the representative did not even know that it had been added to the file and the document was not reviewed until the call was placed to them. Since there was a foreclosure sale of XX/XX/2016 it was imperative for these documents to be reviewed in the proper 5 day time frame. When a call was placed on XXXX XXXX, 2016 the foreclosure sale was still listed when they had a complete package on file since XXXX XXXX, 2016. They are violating dual tracking by foreclosing on the property when the file should be in loss mitigation review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to XXXX  to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( SYNCHRONY BANK CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Syncb XX/XX/XXXX XXXX SYNCHRONY BANK CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED XXXX  TO PROVIDE THE MERCHANT NAME SO THAT SYNCHRONY BANK CAN FURTHER ASSIST. XXXX  DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " SYNCB '' ) Syncb XX/XX/XXXX ( REMOVED DUE TO FRAUD ) Synvs/XXXX XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help XXXX  resolve these issues as I am not getting anywhere with them. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and Equifax 2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates
Product: Money transfer, virtual currency, or money service

Good afternoon, I received a notification on my Robinhood account that my account was restricted due to unusual activity. Three days after requesting a phone call from Robinhood, I received a call on XX/XX/year>. The customer service person requested my license, a bank statement, and asked about 2 transactions, which I described to them. None of which were unusual. I looked at my account this morning only to find a message saying they were closing my account. Robinhood then executed trades on my account, selling over {$150000.00} worth of assets, triggering taxable transactions. 

I sent an email, and have attempted to call, but it is impossible to get a hold of a human there, and the Robinhood account will not allow me to withdraw my funds. 

Absolutely no fraudulent transactions occurred from my account. This action of selling over $ XXXX worth of investments without any further discussion or communication, then restricting my ability to withdraw the funds is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are on my report and they were not authorized by me. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I received notice from my employer that my wages were to be garnished for the amount of {$1400.00}. With case number XXXX XXXX. The amount was garnished and I thought that everything was done. On XX/XX/XXXX I receive another letter from my employer for the garnishment of my wages for the amount of {$1500.00} for the same case number. I called XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX and after giving my name address and case information I was transferred to Representative XXXX XXXX ( direct line number XXXX ). I asked him about the situation and he told me that they had not received the funds from my employer and until they get a check the situation would not change. He said I could pay the {$1500.00} in certified funds now and they could not collect more than what they are owed. I asked him what address there were sending their correspondence to and he told me and old address from 8 plus years ago. I gave him current address which he entered into the system. I asked him what address was on the court documents he responded with my my current address I asked him again which address was used and he said my current address. I said he was lying and asked to speak to a manager. I was transferred to Collections Manager XXXX XXXX ( direct line XXXX ) I told him about the agent and how he lied to me. I asked him why the same debt was being collected twice. I was told that my employer had not paid the garnished amount to XXXX XXXX XXXX. He told me to contact my employer and he would contact his admin. I called my employer and was told they use a third party company XXXX for wage garnishment. I called XXXX and asked why the debt was not paid. I was told they could not release the funds to XXXX XXXX XXXX until they received a " Order to Remit Funds '' form. I was also told they could not do anything about the second Wage garnishment request until they received a " Wage Garnishment Release '' form. I called XXXX XXXX and informed him of the information I received from XXXX. He said he would talk to his admin and see what happened. I will be calling again tomorrow. 
My concerns are they are either incompetent in requesting funds or are trying to allow the interest to accrue so they can collect more money. This is a loophole that puts me and others at great risk. If they are cheating the system by refusing to accept the payment until more interest accrues and resubmitting garnishments they could be cheating people out of thousands of dollars. And if it is incompetence they should be responsible for the cost of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX and XXXX on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. Equifax is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
Product: Vehicle loan or lease

I contacted XXXX in regards to my vehicle charge not being maintained in the winter time I have to constantly charged the vehicle in the winter. I believe this to be a defect with only my vehicle, but all XXXX vehicles during the winter time the battery does not last as long as it does in the summer you have to constantly charge.
Product: Mortgage

In XX/XX/XXXX, I applied to SPS to cancel my private mortgage insurance as the loan to value ratio fell below the 80 % / 20 % for required private mortgage insurance. I submitted an application fee of {$450.00} for SPS to process the request. 

SPS recieved an appraisal from XXXX XXXX dated XX/XX/XXXX that valued the property at {$460000.00} ( that appraisal is attached to the SPS correspondence dated XX/XX/XXXX, attached ). As of the date of the appraisal, the mortgage balance was {$370000.00}, placing the loan to value ratio {$7000.00} short of the value necessary to cancel the PMI. 

I contacted SPS to point out several deficiencies in the appraisal that, if corrected, would value the property at a sufficient amount to allow for cancellation of the PMI. Despite several calls to request SPS to raise these issues with the appraiser, nothing was done. Finally, in XXXX, XXXX, SPS advised me to submit a formal " appeal '' of the PMI decision. I submitted that written appeal in XXXX, XXXX ( the appeal is attached ). 

After XXXX months and multiple follow up call, on XX/XX/XXXX, SPS again denied my request to cancel the PMI based upon the XXXX appraisal, without addressing any of the issues raised in the appeal ( the letter is attached ). 

Upon receiving the denial letter, I spoke with an ombudsman for SPS who advised me that my appeal was not considered as the appraisal was over 120 days old and therefore no review was possible. I requested that SPS request an updated appraisal from the the appraiser at its expense, but that request was denied.

I therefore contacted the appraiser directly and paid for an updated appraisal. The updated appraisal is dated XX/XX/XXXX, and valued the property at {$480000.00}, well above the threshold necessary to cancel the PMI given the current mortgage balance of {$370000.00} ( the appraisal is attached ). On XX/XX/XXXX, I again requested cancellation of the PMI based upon the XXXX valuation ( attached ). 

On XX/XX/XXXX, SPS again rejected my request to cancel the PMI without addressing the current value of the property ( attached ).
Product: Credit card or prepaid card

I have changed my legal name via court order. I have a new SSN card and California Driver 's License using my new name. 
After various requests, both via call and visiting a branch, I was unable to update the name on my Bank of America credit card account. 
Bank of America would only allow such requests to be made via snail mail and still would not process the request after providing all required documentation. This has been going for over six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$230.00XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I was the victim of stolen identity. The person successfully opened up a credit card account with Barclays Bank Delaware. I use XXXX to assist in identity theft. We contacted Barclay Bank Delaware to report that this was fraud and dispute this unauthorized account. They first said that they have successfully closed the account. However, they could not confirm the account was closed, so I asked to speak to a supervisor. They refused to allow me to speak to a supervisor until I provide my name, phone number and social security number. I was willing to provide my name and phone number but was not comfortable to provide my social security number to the agent. I repeatedly requested to speak to a supervisor, and they continued to refuse. I have not received any information indicating that the account has been closed and removed from my credit report.
Product: Checking or savings account

My father and I bank at XXXX with separate accounts. On multiple occasions my father will sign a check and have me fill in the rest of it, due to his XXXX and inability to write. I have cashed at least 5 checks with XXXX bank written out in this manor. 

On Saturday, XX/XX/XXXX, I took a check to XXXX bank. It was for {$4000.00} that my father had signed and I filled out. I asked the cashier to deposit it. She said I could cash it since it was a XXXX check, so I did. 

On Wednesday, XX/XX/XXXX, I woke up to my.accoint being negative {$490000.00}. I was told my account was on hold due to fraud and they needed to talk with my father to approve the transaction. They could not reach my father, so I was told to drive 2 hours to his home to get him on the line. I did. They spoke with my father and he informed them that he did approve the check and he can't write well. 

I was then told by the bank that they were still going to close my account due to fraud and not allow my deposit to come through the next day. I am a single mother and had my account closed and I was called a thief because my father loaned me money. I would like to resolve this situation.
Product: Debt collection

wrote a letter, explained the Chapter XXXX discharge, they never stopped calling
Product: Credit reporting, credit repair services, or other personal consumer reports

By end of last year, i noticed an inquery on my XXXX reported by Dsnb/bloomingdales Dated : XX/XX/XXXX. 

I have not known or applied for any of the cards from them, so I initiated a dispute with XXXX  on XX/XX/XXXX. Then they directed me to the reporter. I also called the reporter, and their agent told me he can not find any records based on my ssn, and gave me instructions to fax in a request the have it removed. 

So, I sent two letters to the reporter through fax to XXXX both on XX/XX/XXXX and XX/XX/XXXX. However, I have not received any response since then. 

The unauthorized inquiry is remaining on my report.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX several times in reference to my balance not being reported correctly to the CRA I am demanding my balance be updated to XXXX as this account has been paid in full
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for the last year. The accounts are errors. 

XXXX XXXX XXXX  opened XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX {$15000.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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, credit repair services, or other personal consumer reports

BOA reports a credit card account to XXXX even if I have never done any business with them
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. These failures mirror my experience, as Experian has neither corrected nor removed the disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and infringes on my rights as a consumer.
Product: Mortgage

I am writing to formally lodge a complaint against XXXX XXXX XXXX, XXXX ID : XXXX, who represents Fairway Independent Mortgage Corporation, regarding unprofessional and misleading conduct during my recent mortgage loan application process. 

Details of the Incident : Misleading Claim : XXXX XXXX initially assured me that there would be no 1 % origination fee for an XXXX loan. However, after consulting with his superiors, he did not inform me that the fee would not be waived. Instead, I discovered this fee through the loan disclosures. 
Lack of Communication : XXXX XXXX failed to contact me regarding the 1 % origination fee decision by his superiors and proceeded with the loan process without my consent. 
Unprofessional Behavior : Upon discussing the origination fee with XXXX XXXX, he became upset and defensive, suggesting that I would regret leaving him if I chose another lender. 
Hostility Towards Shopping Around : XXXX XXXX expressed frustration and stated that he is done working with clients who shop around, indicating a lack of professionalism and customer service. 
Credit Card Charges : After indicating my intention not to proceed with him, XXXX XXXX insisted on charging my credit card for a credit check and safety inspection upfront. He repeatedly insisted that I provide my credit card information, despite my refusal. He stated he would charge me at the time of the inspection and credit check, which had not yet occurred. 
Persistence Despite Refusal : When I disagreed and indicated multiple times that I was not interested in continuing business with him, XXXX XXXX persistently refused to take no for an answer, continuing to press the issue and raise his voice. He ultimately said that he was happy I was firing him so that he did not have to fire me, in a sarcastic and unprofessional manner. 
Summary of Issues : Misleading and inaccurate information regarding loan fees. 
Failure to communicate changes in loan terms. 
Unprofessional and hostile behavior towards clients. 
Attempts to charge fees without consent. 
Persistent and unwelcome behavior after refusal to continue business. 
I request that your office investigate this matter and take appropriate action to address my concerns. Additionally, I would appreciate a written response outlining the steps that will be taken to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We have received multiple threatening letters demanding our unpaid property taxes be paid immediately or they will force us to open an escrow account. The thing is, we have never had unpaid property taxes. The letters are from different mortgage lenders for different properties, but they are all apparently done by XXXX out of Texas. In each case they are demanding payment for taxes that have already been paid and can easily be proven, and yet the letters claim a review of official tax records show the taxes are delinquent. Anyone with a computer can look on the county treasurer 's website and see the taxes ARE paid. The fact that this has happened to us multiple times with XXXX seems very suspicious to us, and we are concerned they are doing this intentionally to force us to have an escrow account so they can hold our money. If they've sent us multiple threatening letters, they are most likely sending demanding letters to other innocent consumers as well.
Product: Debt collection

Sequium Asset Solutions sent me a collection letter, which I received on XXXX XXXX XXXX regarding an alleged {$1200.00} debt to XXXX XXXX. I've never had an account with XXXX XXXX, so the debt is fraudulent. On XXXX XXXX XXXX, I requested they provide me with the name and address of the original creditor ; rather than doing that, they responded with a phone number they asked me to call. When my lawyer called that number on XXXX XXXX XXXX, they refused to discuss the matter with her, and indicated they would only discuss it with me personally ; my lawyer indicated it sounded like an overseas call center. 

Sequium has reported this collection action to the credit reporting agencies, damaging my credit. They have failed to provide the name or address of the original creditor, or to prove I owe the debt they are attempting to collect.
Product: Credit card

Citibank is using past contact about fraudulent use to induce card members to fill out their survey. I almost filled out the survey because I thought the fraud warning required it. I was almost duped! This is deceptive!