23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau I am writing to request your assistance regarding a recent hardship I have faced due to the ongoing homeless crisis in XXXX XXXX. My business was unfortunately forced to close due to this crisis, which has significantly impacted my financial situation. 

I had previously reached out to American Express to enroll in a hardship program, similar to the one offered during the pandemic. I successfully managed my debt during that time and assured the company of my ability to do so again. 

Despite being enrolled in the hardship program and setting up automatic payments through XXXX XXXX, I have encountered difficulties. Unfortunately, XXXXXXXX XXXX discontinued making these automatic payments. I have not received any calls from American Express, even though I provided them with my updated contact information. The only communication I received was via mail, but it was too late, and American Express removed me from the program, refused to speak with me, and placed negative marks on my credit report. 

This negative reporting is causing me further financial strain and is making it difficult for me to secure the necessary resources to avoid becoming homeless. 

I have been able to make payments on two of my three accounts through the American Express website. However, I am unable to pay the third account due to issues with the debt collector in XXXX. 

I kindly request your assistance in removing these negative reports from my credit report and reinstating me in the hardship program. Any help you can provide would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I was DENIED a small business account stating my business is high risk. Thats clearly defamation and DISCRIMINATION. 

As a XXXX woman whose father served in the XXXX and who struggled with credit for years, I decided to educate myself and become certified to started offering credit repair services last year. 

My business has been open since 2007 with Career and business services. I am a military dependent and have the right to use my bank for my business. 

I am DISGUSTED with NFCU, and have filed several complaints about discrimination and prejudice because if I were XXXX, a loophole or exception would have been made. 

I shouldnt be punished because Im assisting others to learn how to be more financially literate by offering credit repair & budgeting, so they can open a small business to get business funding with their established credit.
Product: Prepaid card

On XXXX XXXX, 2015 I loaded XXXX Reloadit cards to my Reloadit safe. XXXX Reloadit cards had {$500.00} on them. After I successfully loaded the cards to my safe I had a safe balance of {$1000.00}. Then I loaded {$1000.00} to my XXXX prepaid debit card. The Reloadit safe indicated that the load was successful, but when I checked my XXXX account online, only {$500.00} dollars was added to my account. 

I called Reloadit XXXX times to correct this situation. XXXX times the customer service person told me someone would call me. Nobody form the company has called me, nor have they returned my {$500.00}. 

My Reloadit Safe account : XXXXXXXXXXXXMy Reloadit pack number that disappeared : XXXXMy Reloadit pck number that loaded successfully : XXXXReloadit case number for this problem : XXXXMy XXXX card number : XXXX
Product: Checking or savings account

My account was due to me submitting a fraudulent claim. I am being penalized due to this matter and having my account closed. I have already been a victim not once but now three times due to these fraudulent charges. Closing my account due to them trying to protect themselves in not having to pay back what was used fraudulent is unnecessary to me I've been a valued customer since 2016. This is not right at all and instead of rectifying the situation bank of america is choosing to close my account to benefit themselves. If they deny the claim that is fine I'll reach out to those who can assist in this matter but the closing of my account after being a valued customer is nonsense and I do not agree with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate DEPTEDXXXX  XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the Fair Credit Reporting act experian has violated my rights. 

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. 

In other words experian needs my permission, the accounts i would like removed are listed below XXXX Account. XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Inquiry date : XXXX XXXX, XXXX
Product: Debt collection

I have had 2 complaints open about my issue already and they were both closed. It is for a credit card that is not mine as a card that I fully paid and closed, was re-opened and charges were put on it. 

The last report with Midland Credit Management was XXXX. 

I have filed a report with the FTC, but can not submit since it was closed. Reference XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Mortgage

I called freedom mortgage after receiving my property tax bill to make sure they would make the payment on time. Instead the payment was never made, and they increased my escrow payment for next year even though I told them my tax bill was XXXX and not XXXX due to having a homestead exemption. I even sent them a copy of my tax bill on their portal. Now my tax bill is over due and my escrow payments for the following year are not calculated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reviewed my Credit Report Once again. It seems like there are addresses in my file that are erroneous and incorrect Please validate and delete these addresses immediately : XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Debt collection

I have student loans with XXXX State University that somehow went to collections when the rest of my loans didn't. I've tried numerous times to contact and speak to someone from XXXX but have had no luck. 

They have sent a balance of {$8500.00} to collections twice. Once with XXXX XXXX XXXX, which I was able to delete off XXXX   and XXXX with the help of XXXX XXXX, but now they sent it to another collections agency Reliant Capital Solutions almost a year later. 

Reliant Capital Solutions has been constantly contacting me over this amount and already sent it to XXXX which dropped my credit score 84 points and causing a huge disruption in my life when i'm trying to buy a house.
Product: Credit card

In XX/XX/year> I discovered someone fraudulently opened a Discover card in my name. I have contacted them numerous times and they say it was not fraud, I reported this to my local Police department as well. 
I appreciate all that you can do for me in this situation and look forward to hearing from you soon. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

The reappearance of the XXXX XXXX XXXX account on my credit report, despite its previous removal for fraud, is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This fraudulent account is not only inaccurate but also detrimental to my creditworthiness. I am requesting its immediate and permanent removal for the following reasons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracy and Fraud : The account was previously confirmed as fraudulent and removed from my credit report. 
Re-reporting of this account constitutes inaccurate information under the FCRA. 
Violation of the Fair Credit Reporting Act ( FCRA ) : 605B ( 15 U.S.C. 1681c-2 ) : Blocking of information resulting from identity theft : ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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.

611 ( 15 U.S.C. 1681i ) : Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation RequiredIf the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which is in XXXX XXXX XXXX XXXX I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Experian Information Solutions , Inc. any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the XXXX and Experian credit file of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX XXXX, XXXXXXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer reporting 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

About XXXX to XXXX yrs ago XXXX Phones where stolen from my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

AT XXXX XXXX  AND XXXX XXXX  ON XX/XX/19 I RECEIVED EMAILS FROM THE CFPB STATING THAT THAT COMPLAINT ID 'S WERE CLOSED/RESOLVED. AT XXXX XXXX  I SUBMITTED FEEDBACK ON A CLOSED CFPB COMPLAINT WITH EXPERIAN. IN THE ORIGINAL COMPLAINT, I STRESSED I WANTED NO ADVERSE ACTION TAKEN AGAINST ME. THESE DISPUTES WILL IN EFFECT HAVE BOTH COLLECTION ITEMS UPDATED ON MY CREDIT REPORT AS SOON AS THEY RECEIVE A RESPONSE FROM THE CREDITOR THUS TAKING MY SCORE DOWN AGAIN AS A RESULT OF UPDATES TO BOTH DEROGATORY ITEMS. I WIILL RECEIVE THE IMPACT OF NOT ONE BUT TWO UPDATES IF THESE ARE NOT CLOSED. IF THESE DISPUTES ARE NOT CLOSED IMMEDIATLEY, THIS WILL JUST BE YET ANOTHER PART OF MY ORIGINAL COMPLAINT.I HAVE SPOKEN TO TWO AGENTS XXXX AND XXXX. THEY CONFIRMED THE CALLER CALLED AT XXXX XXXX  TODAY STATING THEY WERE ME. I DID NOT MAKE THIS CALL. I ALSO WORK AND WAS WORKING ACTIVELY ON INBOUND AND OUTBOUND CALLS AT THAT HOUR AND WOULD NOT HAVE BEEN ABLE TO MAKE THIS CALL. I ALSO AM IN THE MIDDLE OF A MAJOR CREDIT PULL UNDERWAY AND WOULD NOT HAVE OPENED THIS DISPUTE FURTHER IMPACTING MY CREDIT PROFILE WITH ERRONEOUS UPDATES. THESE TRAELINES WHILE THEY SHOULD NOT BE REPORTING, I CAN NOT AFFORD THE IMPACT OF THESE NOT BEING PROPERLY RESOLVED AT THIS TIME. XXXX CLOSED MY CLAIM STATING THAT THE IDENTIFYING INFORMATION I PROVIDED DID NOT MATCH MY CREDIT PROFILE. THAT WOULD BE IN ACCURATE. IT WAS FURTHER CONFIRMED BY AN EXPERIAN REP XXXX THEY RECEIVED A REQUEST FROM THE CFPB AND DOCUMENTATION REQUESTING UPDATES ON MEDICAL DATA SYSTEMS TODAY. I INQUIRED WHAT WAS BEING REQUESTED IN THE DISPUTES AND I WAS TOLD THEY WANTED A STATUS OF THE ACCOUNTS. I REQUESTED THESE DISPUTES BE CLOSED IMMEDIATELY AND WAS TOLD BY XXXX IN DISPUTES THIS HAD BEEN CLOSED. HOWEVER I JUS RECEIVED A NOTICE FROM EXPERIAN ABOUT DISPUTES OPENED AT XXXX XXXX  AS NOW RESOLVED WITHIN XXXX HOURS! HOW CONVENIENTLY IN SOMEONE'S FAVOR OTHER THAN MINE. MY CREDIT PROFILE SHOULD NOT BE IMPACTED AS A RESULT OF THESE COMPLAINTS. THESE TRADELINES HAVE BEEN UPDATED AND MY SCORE WILL UPDATE AS IMPACTED BY TOMORROW AS A RESULT. I AM SENDING THIS TO THE ATTORNEY GENERAL 'S OFFICE. I WILL SEND THIS TO EVERY SUPERIOR OFFICE, DESK OR OTHERWISE UNTIL THIS IS RESOLVED AND YOU CEASE CAUSING HARM TO MY CREDIT PROFILE. SOMEONE IN EXPERIAN NEEDS TO GET TO THE XXXX OF THE PHONE NUMBER THEY WERE CONTACTED FORM TODAY AT XXXX. THEY NEED TO ALSO TRACE FROM WHERE THEY RECIEVED UPLOADED DOCUMENTATION FROM THE CFPB ON A UNRELATED COLLECTION TRADELINES
Product: Mortgage

I attempted to make my mortgage payment on fifth thirds app on XXXX  and was given an error message. I attempted again on XX/XX/XXXX and was again given an error message. Ok XXXX  I saw that a payment came out. Again on XX/XX/XXXX I saw a second payment came out. I did not authorize 2 payments to come out of my account. The bank can not refund me the money for the second payment for 14 business days. At which point the payment will almost be due again. I have called multiple times and chatted over the app but no one is willing to help me for the error that the bank made.
Product: Mortgage

Cardinal financial contacted me XX/XX/XXXX concerning a refinance request that I submitted on XXXX XXXX. I had spoke to XXXX XXXX  a few days prior, and had been advised to wait until XXXX, XXXX to apply for the loan because my credit score needed some work. XXXX XXXX from Cardinal stated that Cardinal was able to conduct manual underwriting and my credit score should not be a problem. First she attempted to try for a VA loan, but it was denied. She then recommended trying the FHA loan, and then resubmitting for a VA loan after a few months, which would have been late XXXX, XXXX. After asking numerous times if there would be any problems doing a VA loan after just a few months, she assured my wife and I that it would not be a problem. With our current VA loan at the time was at XXXX XXXX and the FHA loan was XXXX XXXX with monthly mortgage insurance, we would not have wanted to stay in this loan for the 210 day loan seasoning if we had know that we would have to wait the 210 days before applying for the VA loan. 

After talking with XXXX on XX/XX/XXXX she informed me that she had just recently found out that there was a 210 day seasoning period for loans. I called the Department of Veteran Affairs on XX/XX/XXXX and was told this has been in effect since the beginning of XXXX. Since that time I have requested to speak with Katrinas supervisor and have called Cardinals Customer Advocacy department on the XXXX of XXXX, the XXXX of XXXX, and XXXX of XXXX to discuss this issue and have not had any returned correspondence. After researching this issue, I believe Cardinal has used predatory loan procedures and loan churning practices during my refinance process. I would not have conducted business with the them if they had been forthright with the current laws concerning the seasoning of loan guidelines.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXrland, TX 75044 469-686-XXXX XXXX XX/XX/XXXX Texas Department of Banking Consumer Assistance Activities XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Toll-Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Website XXXX XXXX XXXX XXXX  Subject : Complaint Against Bank of America for Failure to Investigate Forged Checks Dear Consumer Assistance Specialist, Forged checks were endorsed and cashed at Bank of America, and despite my report , the bank has refused to conduct a fraud investigation. The checks in question were made payable to me, but my ex-husband forged my signature, endorsed, and cashed them without my authorization. When I contacted Bank of America to report this fraud, their representative stated that because my ex-husband was a joint account holder, they would not investigate, claiming he had access to the funds. 

Details of the Complaint : Date I Reported the Fraud : XX/XX/XXXX Banks Response : The bank agent refused to initiate a fraud investigation, stating that my ex-husbands status as a joint account holder allowed him to cash the checks, despite the forged endorsements. 
Checks Forged, Endorsed, and Cashed : Check # 1 : {$1600.00} Cashed on XX/XX/XXXX Check # 2 : {$13000.00} Cashed on XX/XX/XXXX Check # 3 : {$890.00} Cashed on XX/XX/XXXX These checks were made payable to me alone, and my ex-husband had no legal authorization to endorse or cash them. Forgery is a criminal offense under Texas Penal Code 32.21, and Bank of America is responsible under the Uniform Commercial Code ( UCC 3-403 ) for ensuring that checks are properly endorsed before being cashed. By refusing to investigate, the bank is failing in its duty to prevent and address fraudulent transactions. 

Desired Resolution : 1. A full fraud investigation into the forged, endorsed, and cashed checks.

2. Accountability from Bank of America for failing to follow fraud prevention procedures.

3. Guidance on how to recover the stolen funds, as the bank has refused to take action.

I request that the Texas Department of Banking review this complaint and take appropriate action to ensure that my case is properly investigated. I am prepared to provide copies of the checks and any additional documentation upon request. 

Please confirm receipt of this complaint and advise on the next steps. Thank you for your time and assistance. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX XXXX MW- original creditor name. Opened in XXXX. Paid in full. XXXX. Status is closed still showing on my credit report.
Product: Debt collection

My checking account was comprised an account I do not use and I was a victim of identity fraud. Once I found out I closed the account and put a freeze on the my credit bureau. There was an online loan thru XXXX  XXXX completed without my knowledge. I contacted XXXX  XXXX  in writing and advised to not mail any correspondence to my home as I did not apply for the loan or use the funds. A few weeks ago there was a debt collection letter mailed to my ex husbands mothers residence. A home/address I have never lived at or applied for credit with. He opened the letter called the company and they discussed the terms of the loan, when the loan was taken out, that payments were being with a debit card. They gave him all of that info which in turn he calls me and wants to know why I have been taking out these types of loans. I had to get off the phone with him as I do not know anything about the debt. I am appalled that they violated my privacy. There is no reason he should know all of those details when I do not even know what is going on. This is caused alot of stress on me as I hae been dealing with the identiry fraud issue for almost 2 years now and now this is an issue as my ex husband should not have any knowledge of these things.