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

In accordance to fair credit reporting act the list of account below has violated my protect consumers rights to privacy and confidentiality under the 15 usc 1681 Accounts : XXXX XXXX XXXX XXXXXXXX I look at my Experian report XX/XX/year> notice some things where inaccurate or not complete according to fair credit report act whenever Consumer reporting agency prepares consumer report it shall follow procedures to assure maximum possible accuracy of information concerning individual about whoms report relates according to 15 usc 1681. Accordance to 15 usc 1681 they not suppose to do this inaccurate or unverifiable information
Product: Credit reporting, credit repair services, or other personal consumer reports

on X/XX/17 my husband and I both tried to freeze our credit reports after Equifax ' security breach. Despite repeated attempts and being force to enter our SSN 's, we got this message : System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.
Product: Checking or savings account

Haven't received a promo bonus for opening bank account, I have completed all requirements. Bank didnt pay.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were fraudulently opened using my personal information.

Fraudulent Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXX} Additionally, I request that all inquiries related to these fraudulent accounts be blocked and deleted. Below are the inquiries associated with the fraudulent accounts :
Product: Credit card or prepaid card

I rec 'd a email telling me Best Buy was going to charge me XXXX for renewal for coverage of appliance/PC repair. I never actually used any of it from XX/XX/XXXX - XX/XX/XXXX that I did pay for when buying my dishwasher. Attached below, and now expired, Their flagging they went ahead and charged it to my XXXX Credit Card in a email after the fact also attached! Never rec 'd a new service contract. This charge was unauthorized. 
I called the card 's number and requested they stop the unauthorized charge of XXXX and cancel my card. Their supposed to protect me with unauthorized charges and I was not paying for something I didn't authorize. 
They instructed me to call Best Buy also. I called, spoke to their billing office, the lady there told me speak to the XXXX XXXX also. I did and same message that I cancelled my card, I didn't authorize this appliance/PC coverage, and I'm not paying for something Best Buy decided to charge me for. All three parties did not instruct me to do anything else. 
Then I get a check back for XXXX from Best Buy XXXX ( attached check stub ). So I thought we're cancelled now and their was no explaination as to why I got this check. 
Today I get a bill from Citi - Best Buy - XXXX XXXX for XXXX ( XXXX difference on the original total, XXXX fees charged, XXXX interest and a total of XXXX balance. So the check they sent was a hook to use their check, pay interest and late fees! Says made a purchase on the back of the statement. I didn't purchase anything they did. 
I called XXXX and XXXX both of these numbers are the same recording. Useless! I don't have the card I destroyed it after I requested they cancel my card to all three parties. I also have a email they are refunding me See attched. That's the check I just mentioned above they sent me. I'm XXXX yrs old and feel their taking me for a ride and ignoring my cancel request from last month.
Product: Mortgage

I started in XXXX of XXXX to get forbearance to end. Sun Trust kept with excuses until XXXX of XXXX when they finally said they received and uploaded my singed documets and process would take up to 90 days. Its now XX/XX/XXXX of XXXX well over 120 days since XXXX. I am trying to refinance and cant get an updated current statement as they say its not in forbearance anymore but in process. I keep making payments via phone ad money keeps getting allocated to an unapplied account that they say will reflect once they update. I call all the time to only be told they will call me back, sometimes they do but with no help as they say they cant transfer me to a supervisor because they are working from home and rather they will have a supervisor call me within 48 hours. they never have called me. I filed a complaint today with sun trust hotline as well. I am also waiting a call back from Sun Trust mortgage so I can make XXXX payments and ask once again about my mortgage status they claim would be updated to current reflecting my payments by last month. Please help resolve this! 

Thanks
Product: Mortgage

I applied with Pro Mortgage back on XX/XX/XXXX. after suppling information needed, I was told by the loan officer that I needed to fix a few things on my credit report and that my score would raise to XXXX and I would be approved for XXXX FHA loan. ( The requirements were completed right away ) I fixed what was needed and indeed my score was over 624. at this point I was given an initial loan preapproval letter in the amount of XXXX. I continued to ask if this was a solid approval I was told not to worry and to star looking for a home. On XX/XX/XXXX I was told by lender that he would order a rapid rescore and not do do anything to change my credit. ( I did not ) On XX/XX/XXXX I was told that rescore had been ordered and they needed debt payoff letter. On XX/XX/XXXX I supplied the letter, on this day I asked if I could be approved for anymore due to the market and current pricing. After employment stubs and tax info, I was then sent an approval letter for XXXX on XX/XX/XXXX as i found a home to make an offer on. On XX/XX/XXXX I reached out to ask about closing estimate without response later I received a call with lender and realtor on the line stating this was a good deal and we are good to go. No further correspondence from the lender to me, until 3 days before closing asking for a recent bank statement for final closing info. I never heard bank from him but my realtor called me at work stating he had forwarded my credit report to her and stated she need to go over it with me there was no way he could approve me and he never reached out to me nor did he ask my permission to give my personal info to her! I then forwarded the email to him asking him to explain what was going on as I had already planned to close and was under the strong impression that we were ok to close. I have yet to hear from home his co worker then send a denial letter to me stating to refund my earnest money. Meanwhile I receive another letter from his assistant or coworker stating to get a co signer and they can still help me. ( after being sent a denial letter ) I have dreamed of this day I worked XXXX hour shifts the whole month securing funds and not doing anything to jeopardize my score. He first lied about the rescore and my report reflects a XXXX point drop for his run on XX/XX/XXXX 3 days prior to closing. I asked my realtor today XX/XX/XXXX scheduled day of closing to submit what was need to get earnest money back as I may now be homeless I put my trust in him to help me. I gave my apartment a XXXX notice and was told it would be rented as it was on a wait list! I got a call that stated I would not be given my money back as the sellers declined due to 10 day window. That I wasn't even given. I am a XXXX  mother of a XXXX XXXX XXXX whom also had her dream of a back yard and pool completely crushed today. It isn't right and I want something done about it. I went from home to homeless in the matter of days.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Product: Student loan

On XX/XX/XXXX, {$420.00} was removed from my bank account without any notice. Im in a forbearance due to being a part time law student. There was no notice sent to me letting me know that they needed information from me about my enrollment. I had filed a deferment form with XXXX in XXXX of XXXX  that was good for 36 months and was approved. There was no communication with me about them taking me off forbearance. Without notice they over drafted my bank account and took all the money I had in bank account which is use to get by week to week. Im trying to get them to refund this money but that has not happened despite my request that this be expedited because it was there mistake. Id be filing the complaint regardless because of the lack of notice and the removal of all the money in my account and the subsequent over draft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute multiple errors on my credit report. Specifically, I have multiple charge-off accounts that are inaccurately reported as not being disputed and under review at the time of my last complaint also I have multiple accounts with inaccurate dates and accounts being reported open when in fact they are closed. I have been a responsible borrower for many years and I was shocked to see this negative mark on my credit report. Upon further investigation, I found that the charge-off accounts were in fact being disputed and under review at the time of my last complaints as per CFPB Complaint ID # XXXX, XXXX, XXXX also with inaccurate dates and inaccurate account status. This means that the information in my credit report is incorrect and is damaging my credit standing. I request that you immediately delete the charge-off accounts from my credit report. I have attached all relevant documentation to support my claim. I appreciate your prompt attention to this matter and I look forward to hearing back from you soon. Thank you for your time and consideration. 
XXXX XXXX XXXX # XXXX reporting open but in collections XXXX XXXX # XXXX XXXX did not report as being disputed XXXX XXXX  # XXXX date last reported is in XXXX when disputed in XXXX XXXXXXXX XXXX XXXXXXXX # XXXX is wrong account number and date last active is earlier then date last reported, reporting open when it says in collections XXXX # XXXX reporting on two different credit reports with two different account numbers, reporting open but its closed XXXXXXXX XXXX XXXX  XXXX reports as open but is closed and two different dates as last active XXXXXXXX XXXX XXXX # XXXX XXXX reporting as open but its in collections XXXX XXXX # XXXX already on credit report as XXXX XXXX Reporting as open but its closed, its on my report twice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX US Department of Education account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

For the past 3 plus years Ocwen Mortgage has fraudently been reporting that I have been late numerous times which is inaccurate and untrue. 
Although I have sent them numerous correspondences alerting to them that the information was inaccurate and untrue even providing proof such as canceled checks etc. They and their subsidiary company PHH Mortgage has continued to report this derogatory and inaccurate information on my credit reports. 

The only response from Ocwen And PHH Mortgage has been dunning letters and informing me that I am past due and adding excessive late fees. 
I have disputed this inaccurate information with all three credit bureaus but Ocwen and PHH continue to verify and falsely report this inaccurate information. 

I had a previous lawsuit with Ocwen Mortgage which was settled out of court several years ago and they agreed to remove this false information but have failed to do so. 
Ocwen turned over this false information to PHH which continues to report this false inaccurate and damaging information. 
Ocwen and PHH have been willingfuly withholding my payments and returning them to me after a 30 day period just so they can charge excessive late fees and illegaly foreclose on my home which I have been able to stop everytime they have tried.
Product: Credit reporting or other personal consumer reports

Transition refuses to remove inaccuracies and delete this account from my credit report. I do not have a contact with XXXX XXXX XXXX XXXX. Nor did they provide me with any evidence of a debt. Violation of federal laws 15 usc 1681, 15 usc 1681b.
Product: Mortgage

I overpaid WellsFargo the balance of my consurmer line of credit. After the payment has been applied it shows a balance of ( {$62.00} ). I was expecting the credit amount to be sent to me. Instead, Wellsfargo kept the money and the balance is now XXXX. They refused to send me my refund money.
Product: Debt collection

I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Synchrony Bank Amazon has not returned the initial fees used to open a credit builder account in which the balance was paid in full.
Product: Bank account or service

I was a customer of M and T bank for several years. Until recently, I had no complaints. However, I noticed this past month that I was charged a XXXX monthly fee for a service I thought was free. I checked my account and saw that this amount had been taken from my account for the past few years. 

When I called customer service, the woman was kind enough to inform me that my account required that I have direct deposit or XXXX dollars to avoid this fee. When I first signed up for M and T, I was told this account was free, and it was, considering that at the time I had my check direct deposited into my account. However, this money has been taken from my account since I left that job which was in XXXX of XXXX. I asked my customer service person if I could end this, she said yes, and that all I needed to do was downgrade my account. I did this immediately, and then asked what difference there would be to my account. She said nothing. My account status simply made me eligible for other benefits which I never used. I calculate that from XXXX of XXXX to XXXX of XXXX, I have paid XXXX for a service that was never used and never requested. 

What 's more, upon investigation, I found that in XXXX, M and T was fined XXXX dollars for just this infraction, and paid XXXX XXXX dollars in refunds to over XXXX customers complaining of this same issue. 

When I called M and T to ask for this money to be refunded to me, they said that this would not be done. They said that the above infraction did not cover my type of account, which she said was never advertised incorrectly. 

I have, however, paid nearly XXXX dollars for a service I never received or requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

company reporting wrong information to credit reporting accounts behind because of it fake billing when there has been no purchased by me more that 10 request for pay history to date not provide company claiming I went over the limit when I have made no purchases I requested copies of purchase to date nothing I want to pay off the cards but I proof of the purchases made by some one else
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received my XXXX Dispute report. It showed that SAFCO was deleted, however in checking the other 2 credit bureaus the debt still showed. I contacted the company on XX/XX/XXXX and spoke to XXXX who advised that yes they responded to the disputes and she is unsure as to why it was not deleted on all 3 bureaus. She stated she would call me back in a week. No return call was received. If you sent XXXX the deletion information then it should be sent to all 3 bureaus correct? 

SAFCO:XXXX  ACCT # XXXX Amount : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Equifax since they are the only ones reporting the inquiry from XXXX  dated XX/XX/2019. I asked them to remove this from my report as I never authorized XXXX  to run my credit file but after so many dispute letters, this inquiry is still on my report.
Product: Checking or savings account

My employer changed payroll system at the end of XXXX and cancelled all direct deposits and issued late checks. 

Bank of America charged XXXX XXXX  monthly maintenance fee twice on XX/XX/2022 and XX/XX/2022 even I have brought up my balance higher than {$1500.00} as minimum balance for not being charged. 

I asked for courtesy refund of at least one of the two fees via customer service phone and only received A BIG NOOOOOO as an answer and barely even want to work with me. 

My other family members bank with XXXX ( Your competitor ) and had received 3 multiple courtesy refunds in one year for bank fees w/o even having to explain. 

I feel that Bank of America does not want to retain customer and is very EAGER to charge bank fees from customers. 

All I ask is for {$12.00} back ( it would be nice if you could refund both {$12.00} X 2 ) but all I am asking is {$12.00}. 

I feel sorry that for {$12.00} of bank fees, I will have to taint Bofa 's nae on CFPB website to be publish this description on consumerfinance.gov website.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. My letters have been disregarded and Ive been receiving letters from bureaus stating Im using a credit repair agencies which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX {$600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX : DEPT OF ED/XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX {$2500.00} XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX DEPT OF ED/XXXX  Account Number : XXXX XX/XX/XXXX DEPT OF ED/XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$410.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$280.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$410.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$140.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$210.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not verified the debt they have falsely claimed I owe but XXXX continues to report it is verified. Ive reported this several times since XXXX. Ive been denied credit several times due to the false reporting. Ive added court documents and they still continue to report false information. I most recently asked them to verify this debt again as of XXXX XXXX and yet they still say its verified. This has hindered me too many times. My next step is to sue. 
This dispute came back verified XX/XX/2021, XX/XX/2021, XXXX but they have never sent verification. They have not come with any proof or documents to combat my court documents.
Product: Student loan

To Whom It May Concern : This is in response to CFPB complaint ID : XXXX. Thank you for your letters dated XX/XX/2021, and XX/XX/2021, wherein you confirm my outstanding balance as requested. It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form for loans with the following account numbers : XXXX XXXX XXXX