23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have spent a year and a half, and XXXX complaints with CFPB, to try to get XXXX to restore online access to my account in full after they blocked me XXXX years ago when incorrectly listing my loan as in bankruptcy. They have paid minimal lip-service to my issues, lied to me repeatedly, and their constant delays in activity have cost me money. 

They promised continual contact with me until resolved. No one at XXXX has called me or made any attempt to follow up in 6 months. I am unable to look at any of my data online and must get statements mailed to me. I am unable to schedule XXXX XXXX payments a month. They ruined my credit rating ( that I was trying to restore ) with their inexplicable incorrect reporting of my home being in my bankruptcy. This reporting caused higher interest rates, inability to get credit, to be a co-signer on a family vehicle requiring my elderly mother to co-sign. They continued to add late charges to my account ( not credited until XXXX XXXX ) causing my account to be unavailable to be amortised promptly. That delay, after the credits were given bringing the loan to date, took multiple threats, complaints over XXXX months before my monthly loan amount was reduced ; this after being promised it would happen within weeks. 

I want my online access restored, or for them to delete that online account and reactivate it if necessary to get me what everyone else has. I want a credit applied to my principal equal to the amount of reduced monthly loan that XXXX had overcharged me for XXXX months. I want their heads on a pike, starting with the lying XXXX XXXX and his entire department of XXXX. I want my loan moved to another servicer without having to refinance. I am done playing nice and waiting. I have spent upwards of XXXX hours fighting with them, and all they do is lie. If you have any questions, you can ask XXXX XXXX at XXXX XXXX. She knows the whole story.
Product: Vehicle loan or lease

I made a settlement arrangement with Chrysler Capital on XX/XX/2020 a charge off for a car loan that I was a co-signer on. They agreed to settle the amount due to {$2400.00}. I paid them {$1000.00} ( via debit card ) on XX/XX/2020 and I have a copy of the agreement. I received communication from them immediately when I paid the {$1000.00}. On XX/XX/2020 I paid the difference ( via debit card ) of the amount owed which was {$1400.00}. 

I asked for documentation to show that the account has been settled and paid in full. They are stating that it could take up to 30 days to receive a receipt showing it's paid. I don't understand this as I received a receipt right away for the first payment. It is not a check that has to clear. It was taken out of my checking account. 

The chargeoff on my credit can not be removed without the letter from them stating the account has been settled and paid. I am being evicted from my home because my landlord is selling the house. I am trying to buy my own house but am unable to because of the chargeoff on my credit report. I need the letter showing it was settled/paid to get it removed. 

THis action on Chrysler 's part is affecting me. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is required by law to provide proof. the burden of proof is on the company to provide. I have sent multiple request for this proof for many items and they have failed to furnish the proof. They only respond to anything by saying it is factual. they are a government agency. 

I have requested multiple documentation from them that they have failed to provide. I as a consumer and the Owner of all of my personal information have right to do so as they are providing information to multiple entities without my written consent. I am requesting proof! If documentation is not provided by the fair credit act it must be deleted! 

I am requesting the following documents for XXXX XXXX XXXX Account and XXXX  XXXX XXXX Account ; -Original contract -Pay off disclosure -Inters rate disclosure -Balance History -Payment History -Credit Insurance
Product: Mortgage

We have a mortgage loan with 21st Mortgage that includes impounds for taxes and insurance. We received notification today ( XXXX XXXX, 2016 ) from XXXX XXXX that 21st Mortgage failed to make the insurance premium payment, and that it is due in full ( {$620.00} ) on XXXX XXXX, 2016. They stated they sent the policy renewal bill to 21st Mortgage 45 days ago, but have not received any response. I attempted to call 21st Mortgage, but they do not have any representatives available on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Chase Bank Usa, N.A filed 3 separate hard inquiries on my XXXX credit report. Although, I never authorized any of these inquiries, I never even applied for a Chase card. These inquiries are dropping my score and I would like to get them off of my report as soon as possible. Thank you so much for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XX/XX/XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I come here to file a complaint. These bureaus keep sending me the same letters! How is nothing being done??? XXXX XXXX and Experian continue to respond with verified I have already submitted the letter from XXXX XXXX  where it has come back as UNVERIFIABLE and it has been removed from their system! How are the bureaus still reporting it as verified I have also been in contact with the courts and they DO NOT report to any bureau!!! Why do they continue to waste my time and send me the same letters! This is a mockery! Im in the process of purchasing my first home and this is greatly affecting me and stressing me out! I demand they take accountably for reporting inaccurate information and remove it from my credit. Please take action! I have submitted yet again, the letters XXXX, XXXX and Experian have sent me, the same letters they continue to send me as verified I have also attached yet again the XXXX letter where they were NOT ABLE TO VERIFY IT AND HAVE SINCE REMOVED IT FROM RECORD! XXXX has removed it since XX/XX/XXXX!!! We are now in mid XXXX! Why is this still being allowed!!!
Product: Debt collection

I believe this bill is for a home I owned in XXXX I sold this home in XX/XX/XXXX and the new owners are responsible for this debt. According to the statement they sent the bill was from XX/XX/XXXX {$170.00}. I have been living in XXXX. since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I instructed XXXX XXXX XXXX  to pay the remaining settlement amount to XXXX XXXX XXXX for account ending in XXXX. A total of {$1300.00} was paid to XXXX XXXX  to settle this account as " PAID OFF ''. 

I have tried to get XXXX XXXX to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.
Product: Money transfer, virtual currency, or money service

XXXXm falling a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violates the customer 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to the credit companies ( XXXX, XXXX, and Experian ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act. and as well as 15 US C 1681a ( 2 ) ( B ). I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

I obtained a loan, which functioned like a credit card ( though I never received a physical credit card ), from Synchrony Bank. Upon paying the full balance of the loan, I asked for my account to be closed and for my personal information to be deleted. I was assured both were handled. Today, I received an email from Synchrony Bank concerning an unrelated matter of no consequence to me, other than the fact that I was emailed means Synchrony still has my personal information in their database. I would like 100 % of my personal information to be deleted, so I called Synchrony and was basically given the run around. The last person I spoke with informed me that Synchrony can't delete my personal information, but would never use it for anything. The email I received leads me to believe Synchrony may have suffered a data breach, meaning my information, along with that of thousands or millions of other people, may have been stolen. This is unacceptable.
Product: Debt collection

My information was compromise on the XXXX date Breach. I was XXXX XXXX for over five years A lot of in accurate information is on my current report
Product: Credit reporting or other personal consumer reports

Sent Disputes out that have not been verified and are still reporting inaccurate information. The accounts are still reporting on my consumer report. This is a clear violation of the FCRA. You can not report any negative information on a consumer report if you know the information is inaccurate. You must have proof showing that its accurate. You must do a proper investigation and DELETE AND BLOCK ANY INACCURATE INFORMATION YOU FIND DURING THE INVESTIGATION IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Company Name ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 602 A and 15 U.S.C. 1681 Section 604 A Section 2. This complaint pertains to inaccurate and misleading information reported by [ Company Name ] regarding several accounts associated with my credit profile. 

The following accounts are at issue : XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX It has come to my attention that these companies have inaccurately reported information related to these accounts, which has had a detrimental impact on my credit score and financial well-being. Specifically, the reported information does not accurately reflect my financial obligations or payment history. 

According to 15 U.S.C. 1681 Section 602 A, consumer reporting agencies such as [ Company Name ] are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, the information provided by [ Company Name ] regarding the aforementioned accounts is demonstrably inaccurate and misleading.

Furthermore, under 15 U.S.C. 1681 Section 604 A Section 2, consumers have the right to dispute inaccurate information contained in their credit reports. I have attempted to dispute the inaccuracies associated with these accounts directly with [ Company Name ], but have not received a satisfactory resolution. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against [ Company Name ] for its violations of the FCRA. Additionally, I am seeking prompt correction of the inaccurate information reported by [ Company Name ] and restoration of my credit profile to its accurate state. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue.
Product: Credit card or prepaid card

None of the previous information on this form applies because there is no option for selecting " Other '' or " N/A ''. In early XX/XX/XXXX I saw on the State of TX website for unclaimed property/money that CitiBank had unclaimed money belonging to me of {$290.00}. It was reported in XX/XX/XXXX, but the reason for it was unclear. I had no accounts with CitiBank. In the past, I had 1 credit card through them, but it was closed a number of years ago. My complaints against CitiBank include the following : 1 ) I spoke to several different depts of CitiBank and was told by all that they had no record of having unclaimed money belonging to me and therefore, could not refund it to me. - CitiBank made no effort to contact me regarding that money because my address, phone numbers, and email addresses have not changed in many years. 2 ) I eventually recovered the money by going through the State of TX, but if I had not seen it on their website, I never would have been notified or received my money, thanks to CitiBank. I wonder how many other people 's money they are holding with no attempt to contact them.
Product: Credit card

I opened up a Business Advantage Credit Account with Bank of America through a company for which I am part owner, XXXX XXXX ( XXXX XXXX ). BoA has me listed as a guarantor on the account, which I never agreed to. Additionally, Bank of America has erroneously associated this business credit card account as a personal account and they have linked it to my personal accounts at the bank. 

This account has some business debt on it and has impacted my personal credit score. I have reached out to BoA multiple times first via phone and then twice via letter as follows : On XX/XX/year>, a letter was sent via certified mail to their credit department requesting a copy of the consent form and documentation that they allege I signed assuming responsibility of guarantor. The response I received was simply a validation of the debt owed. 

On XX/XX/year>, I followed up with another letter sent via certified mail requesting the proper detail and rearticulated the issue and my position. On XX/XX/XXXX, I received a response back from them stating that they were not able to process my inquiry. 

Documentation for your review is attached. Thank you in advance for your assistance in escalating this matter and helping to resolve. 

XXXX XXXX XXXX XXXX
Product: Debt collection

the Debt was Paid and the contract was satisfied switched to new company and continued business with different company.
Product: Checking or savings account

On XX/XX/2021 I receive an item of mail from Chime Bank. In it, there was a debit card for a newly opened bank account. I am not currently a member of Chime Bank, have never had an account with Chime Bank, nor do I wish to ever have an account with Chime Bank. I have contacted Chime Bank a number of times ( still have all the emails ) reporting the account as fraudulent and asking them to close the account. They are continuing to request a picture of a photo ID and the last 4 of my SSN. I know the information they have that is accurate on the account is my name and address since the debit card was mailed to me, but am not aware of any other information 's accuracy and I do not wish to provide them any more accurate information.

I have file a police report since 2 other banks had account opened in my name that I did not open. I called them to report as fraudulent and they investigated and closed the accounts. Chime does not have a phone number for a fraud department so they want me to email those items to them. I instead emailed the police report and apparently that is not acceptable. 

Now on Tuesday XX/XX/2021 a check from Chime Bank was mailed to me for {$87.00} that I refuse to cash because that's not my money and illegal in my mind. I don't understand why it is so difficult to have this account closed.
Product: Credit card or prepaid card

There were fraudulent charges on my debit card XX/XX/2020, I disputed them with my bank. But Key Bank tried to blame my boyfriend, when I found out the truth they were not interested. They weren't interested in investigating the people who did this, neither were the police. I want them prosecuted.
Product: Debt collection

To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of XXXX XXXX XXXX, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, NY. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX  and JPMorgan Chase ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. 
As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the Plaintiff 's attorney. The Plaintiff 's attorney XXXX XXXX XXXX, XXXX XXXX XXXX ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was away on XXXX XXXX and a car loan was fraudulently obtained with my information without my knowledge or consent. Ive sent numerous letters with identification proof that I was away in the military in the XXXX XXXX. Ive also provided police report of the identity theft. M & T bank is still reporting this fraudulent account to the credit bureaus, and it is negatively affecting my credit. The dealership that gave this loan out was closed due to fraud. This car loan was obtained with a fraudulent paystub. The dealership did not require any secondary form of identification to obtain this car loan.
Product: Credit reporting

XXXX XXXX XXXX XXXX, NH XXXXshow up as address in my credit report. I have not lived at this address and want to try to get it off of my report under personal information.
Product: Debt collection

I have requested information from the company directly and through your website and have had no response. I do not understand how the company does not respond to me or the government but they do to the bureaus. They agreed to delete the 2 accounts when I paid them in full. They did a verbal agreement and did not hold up on their end. The two collection accounts with Collection Professional are still reporting even after they told me when I first paid them in full they would remove them
Product: Mortgage

On XX/XX/2023, I called my Mortgage Lender regarding a shortfall in my XXXX Mortgage Payment. The shortfall in payment of {$30.00} was due to the increase in Escrow Impound installment amount. Because of this shortfall, the Lender charged me {$120.00} in Penalty. 

I find this Penalty of {$120.00} unreasonable and an unfair practice by the lender due to the following reasons. 

XXXX. My XXXX Mortgage payment, which was on autopay with my bank, was paid on time but short {$30.00} due to the increase in Escrow Impound amount. 
XXXX. The Escrow Impound amount is not the Lenders money, but rather my money being kept by the Lender on my behalf for Taxes and Insurance.

3. Why am I being charged a penalty on my own money.

4. This practice of charging a Penalty on a shortfall of {$30.00} due to an increase in Escrow Impound amount is unfair and excessive and should be stopped.

5. {$120.00} penalty on a shortfall of {$30.00} is 400 % penalty which is very excessive.
Product: Credit card

my credit card account is not being updated properly. what happens is every time that I make a purchase the purchase amount is noted as a pending transaction but the balance usually reflects the purchase amount before it actual post to the account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reported a problem to Kik off but the account is closed and information was still being reported and I would like them to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and noticed that there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I have already reached out to the credit bureaus about this multiple times and there is a continuous violation of my rights under 15 USC 1681b. I have also attached the inquiries that have no purpose to be on my credit report. They say car loans and all have the same date. Provide all documents that permits permissible purpose for such report.