23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

BSI Financial is my mortgage servicer. I established a new loan with them in XX/XX/XXXX. They have failed to pay my County tax bill with my established escrows. I have sent them a request in XXXX and XXXX with the County Tax bill. They tell me they will do it. I see this as a larger problem and that they have an issue managing escrow accounts. I expect BSI will resolve the issue, but I wanted to warn the CFPB about this problem, I suspect they have ongoing financial issues. They have been fined in XXXX for the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX DEBT. Inquires : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2023 to XXXX, transunion, & XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense.

According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer 's 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 investigation 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 ( 5 ), before the end of the 30 day 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

EXPERIAN IS REPORTING 22 HARD INQUIRIES ON MY CREDIT FOR XXXX. SPOKE WITH REP AND SHE TOLD ME THATS THE INFORMATION THATS BEING REPORTED WAS TAKEN FROM XXXX. SPOKE WITH XXXX THEY SIAD THAT I ONLY AT THREE HARD INQUIRES AT THAT TIME, THAT THEY DIDN'T KNOW WHY EXPERIAN WAS REPORTING INACCURATE INFORMATION
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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
Product: Debt collection

The following inquiry needs to be removed immediately:

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name: XXXX XXXX XXXX Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  &
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name:  XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX  
Creditor Name:  XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX


Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name:XXXX XXXX  
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX  Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Creditor Name: XXXX XXXX XXXX XXXX
Date: XXXX XXXX XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX 
Amount : XXXX

Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX XXXX XXXX
Account name : XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX XXXX  Account : XXXX
Amount : XXXX  
Original creditor: XXXX XXXX XXXX XXXX
Account name :XXXX XXXX XXXX
Account : XXXX
Amount : XXXX

Original creditor: XXXX
Account name :XXXX XXXX XXXX  Account : XXXX
Amount : XXXX
Product: Prepaid card

I called to activate my Netspend prepaid card. The rep that can barely understand because of their accent being so thick tells me that I have reached my limit on how many cards I have and to activate my new card I have to deactivate another card. She didnt tell me how many cards I had available and after every question she asked me she sent me a code to repeat back to her and I had to give my social security number in addition this is a total of four times. So with all of the thefts and fraud going on I told the rep I didnt feel comfortable giving out my social again after giving her the verification information she requested four times including the entire card number including the security code 4 separate times so I ask her will she be able to transfer the funds from my deposit account of the card she is canceling she said she could after she deactivated it. So again for the 5th time after nothing but the alleged card deactivation the rep asks me to verify a code through text tell her my social security number and provide the card number again with the three digits on the back for the fifth time after expressing my concerns about already giving each of those verification methods each four times prior. I asked to speak to a manager and the rep began speaking over me saying that in order to transfer I had to give the information again. I told her I was done doing anything further until I spoke with a manager. She puts me on hold for 15 mins and then Im transferred back to the automated system that asks me the same information that I already verified with her starting me all over again so I hang up to call back. I speak to someone immediately asking to speak with a supervisor. The rep starts telling me that I need to verify all of this information again and at this point I call to get my card activated with only having one deactivated with no activation so Im down a card and I am frustrated because again these reps are so nosey they just have to know why and go through the entire verification process after re explaining my situation. All for the rep to put me on hold for 5 minutes to to tell me there isnt a manager there right now. The final result one canceled card that I get a notification for saying that I lost a card not I have reached my limit so I am at a complete loss of the money on my card because the other was canceled under false pretenses and I still have a card that needs to be activated. So who does my legal team reach out to about reporting fraud, theft of my funds and deceptive practices? This feels like a total scam. I need immediate remedy being that now I have no way to feed the XXXX children I have here with {$0.00}. The Washington state laws on gift cards, I know they apply so I need answers especially since no one tried calling me back to complete the transaction or anything. Customer service has died and this is unacceptable!
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts.. 

Reporting in XXXX : XXXX. Under XXXX5 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

Reporting in EXPERIAN : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Reporting in XXXX : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my XXXX credit report. The account is from Capital One Credit Card. It was charged off in XX/XX/XXXX. It was reporting as still open so I disputed it. Capital One then started showing the account as charged off, however they show the date of it being charged off as the current month in XX/XX/XXXX, so they are reporting a new charge off every single month. I disputed it with XXXX  and the date was corrected, however the next month it was back showing as a brand new charge off for the current month. I disputed it again, it was corrected, however again the next month it shows as a new chargeoff being charged off again in the current month. I disputed and it was corrected again, and just today it showed up as being charged off as of yesterday 's date, XX/XX/XXXX. I would like this resolved immediately. I shouldn't have to call and dispute every single month in order to have an accurate report. Capital one is manipulating the chargeoff dates in order to collect on this account that had unauthorized charges on it. It needs to be corrected or completely removed from my credit report. This is an illegal practice on the part of Capital One. Each time this has made my credit score drop 35 to 55 points. If it were reported correctly that would have happened in XX/XX/XXXX, the date it really charged off and although the chargeoff in general would be affecting my score, it would be aged and my score wouldn't be dropping every single month they fraudulently report wrong information on purpose.
Product: Money transfer, virtual currency, or money service

Cashapp will not release my balance of {$300.00}. I have called them and representative over the phone said only can help through email. I emailed and have not received a response back.
Product: Debt collection

This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.
Product: Money transfer, virtual currency, or money service

I received an email through my XXXX  email account at XXXX XXXX  XXXX University asking if I wanted to be a secret shopper. Upon responding affirmatively to the email I was sent a letter in the mail that had instructions for me to go to a local XXXX store to buy two gift cards in the amount of {$1300.00} each. The  envelope also contained a cashiers check in the amount of {$2900.00}. The remainder of the funds was supposed to be my " salary '' for doing the secret shopper " job ''. I took the check to my bank ( Chase ) and deposited it in my checking account. They cleared the check and made the funds available in my account. Once that happened I went to the XXXX store to purchase the gift cards. The letter then instructed me to send a text with the codes on the back of the gift cards to XXXX. A couple of days later I was informed by my bank that the cashiers check had now bounced and they demanded the funds. The gift card values have been used by whomever I sent the text to ; and I'm out the entire amount of {$2600.00} ( {$2900.00} - my anticipated salary ). 

Today I went to my Chase branch to explain what happened and that I was a victim of XXXX. They refused to assist me with the loss of funds. I then called the bank where the cashiers check came from and they confirmed that the check is a counterfeit check. I'm asking for assistance in influencing Chase Bank to restore these funds to my account immediately. I'm a college student and the funds I had to use to cover this shortage are my scholarship tuition money. The cashiers check was " from '' XXXX XXXX XXXX XXXX XXXX  ; the Remitter was XXXX XXXX. The check number was XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter from BofA asking for additional information to dispute a charge with XXXX, as well as documentation from XXXX. The letter stated that if this information is not received by XX/XX/XXXX, BofA will close the case. 
BofA failed to give me reasonable time to respond, and refused to review my case. 

BofA received a response from XXXX stating that customer picked the merchandise & also acknowledge the sale by signing on the POD. and the Merchandise is in Customer possession Customer need to return or exchange the Merchandise in order to get resolve the issue. We can not accept this charge-back until Merchandise was in Customers possession. 
This statement by XXXX is FALSE, however BofA did not address this even after I pointed it out. As supporting documentation to BofA CC services XXXX sent a document title PODSheet ( see attached ). It states that Orig. Deliver as XXXX to an address in Texas to a Company : XXXX XXXX , delivered a YEAR BEFORE ( XXXX ) I purchase the items. This is obvious NOT me. 

BofA has ignored FALSE information provided by XXXX, and instead provide virtually no time for me to respond. 

XXXX XXXX XXXX
Product: Checking or savings account

Bank of America held my check deposit for 10 days with NO availability of funds. I am a 23+ account holder with them with a combination of seven accounts and deposit my auto settlement check and need to pay my bills. The original insurance check that was cashed, came from bank of america which the insurance company bank with Bank of America, then they holding my funds for 10 days and it only take a matter of 2 days for things to clear from one bank to another. then i tried to pay one of my bills so I won't accrue any more fees, and they return it back because of the hold they have my check deposit, which I know they got the money from the other bank because it has been 3 days since the initial deposit of my check. Then, they charged me a return check fee sending an oxymoron statement that don't make any sense. " You may have insufficient funds, the amount to be paid, is way lower then the amount that was deposited. They did reversed the fee. However, dishonor my ACH payment.
Product: Money transfer, virtual currency, or money service

My bank, Chase, encourages the use of the bank 's mobile app. The app provides access to XXXX for secure payments. I used this feature in Chase 's secure mobile banking app to transfer funds to a fraudulent website via XXXX becuase I was displayed a big green check mark when sending the funds. I never received the goods as agreed and my bank refuses to accept responsibility for verifying the legitimacy of the recipient. 
I paid {$800.00} to XXXX via XXXX. 
XXXX, XXXX XXXX
Product: Credit card

Hello on XX/XX/XXXX I discovered this account was closed and also taken out in my name due to the data breach of XXXX. This account was opened in my name without my knowledge. The account is named XXXX XXXX it currently has a balance of {$2600.00}. It was opened XX/XX/XXXX. I have no knowledge of this account and I would like for the account to be deleted blocked and removed off of my credit report, thank you you
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm a victim of identity theft. An identity thief exploited my personal information without my authorization to open an account with XXXX XXXX. This is not my debt. I've attached confirmation of my identification and a copy of my FTC identification Theft Report. Also a Police Report. 
In compliance with the Fair Debt Collection Practices Act, I request that you halt collection proceedings against me and stop communication with me about this debt, except as permitted by the Fair Credit Reporting Act. I further ask that you notify XXXXXXXX XXXXand explain that the debt is the product of identity theft. 
I've enclosed a copy of the Consumer Financial Protection Bureau 's Notice to Information Furnishers. It clarifies your obligations under the Fair Credit Reporting Act ( FCRA ). The FCRA requires debt collectors to provide an identity theft victim with account-related documentation if the victim requests them. Please send me copies of all records associated with the account, including : Account applications are submitted on paper, online, or via phone.

Account statement or invoice Records of payment or charge slips Delivery addresses associated with the account. 
Records of phone numbers used to activate or access the account. 
Signatures for applications and accounts Investigators report. 
Please send me a letter describing what you did to : Inform XXXXXXXX XXXXthat the debt is due to identity theft. 
Stop the collection proceedings against me. 
Stop sending information about the debt to credit reporting agencies. 
Please provide me with the records I seek. 
I appreciate your cooperation. 
Sincerely, XXXX XXXX XXXX Enclosures : POLICE REPORT. 
Identity Theft Report. 
CREDIT REPORT. 
For proof of identity, go to the CFPB 's Notice to Information Furnishers [ PDF ].
Product: Money transfer, virtual currency, or money service

I was contacted by someone posing as a XXXX  XXXX XXXX ( XXXX  ) representative. The number they called from matched the one on the back of my XXXX debit card. He said that someone tried to use Zelle to transfer money from my XXXX checking account. To thwart the transfer, he said he would assist me in transferring the money back to myself. I realized this was a scam halfway through ( even though the text messages with verification codes that he was sending to my phone were sent -- like official XXXX texts -- from a five-digit number ). This resulted in {$2000.00} being transferred from my XXXX checking account via Zelle to this unknown individual. I immediately went to my local XXXX branch the same day ( XX/XX/XXXX ) and a staff member helped me call the XXXX Claims line. I filed a claim and am awaiting their judgment. However, I have seen reports that XXXX often declines to reimburse people who authorize a Zelle transfer as a result of fraud/scam. But it also came to my attention that in XXXX of XXXX, the CFPB made it clear that if a third party fraudulently induces a consumer into sharing account access information that is used to initiate an EFT ( electronic funds transfer ) from the consumers account, that does meet Reg Es definition of an unauthorized EFT. CFPB further states that when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. '' If possible, I would like the CFPB to contact XXXX on my behalf and reiterate this position to the claims department handling my claim. Thank you.
Product: Credit reporting or other personal consumer reports

It is with certainty that the XXXX XXXX XXXX loans were fraudulent. TransUnion and XXXX XXXX will be liable for not reviewing the Federal Trade Commission Report, which is the Identity Theft Report stating factual fraud that took place. Both companies will be the subject of a lawsuit for punitive and compensatory damages for their lack of understanding of laws governing identity theft victims. I've given ample time to XXXX XXXX and TransUnion to survey concrete evidence of the fraud that involve both XXXX XXXX loans. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with comenity bank, that i paid in full on XX/XX/2021, they kept charging me trailing interest and late fee over the trailing interest which I kept paying, no explanation as to why they kept charging me, the last fee was paid off in XX/XX/XXXX, they reported me late XX/XX/XXXX, I am in the process of buying a property and my credit score when down significantly, and now I am facing losing my EMD deposit of XXXX, because my fico is too low for the program that I am currently doing, my closing date is XX/XX/2021, and we dont have enough time to switch to FHA financing. 
please help. 

thank you,
Product: Credit reporting or other personal consumer reports

A case was Submitted to the CFPB on XX/XX/2023 about inaccuracies on my credit report i contacted the XXXX credit bureaus and after further investigation, XXXX and XXXX both removed these charges and transunion said they they do not show up on my report however my credit score is still being affected by transunions inaccuracies which is a clear violation of my rights a violation of the law and clear violation of the FCRA If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information.

I need these inaccuracies removed immediately
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Associated credit services has called my number multiple times a day for several months asking for XXXX XXXX. My name is not XXXX XXXX and no one lives here by that name, despite me telling them this multiple times and requesting for them to stop calling. They are still calling. They just called again this morning.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE REPORTING INACCURATE INFORMATION AND REFUSED TO SEND PROOF SHOWING THIS ACCT IS VERIFIED AND VALIDATED. ALL INFO ON ACCT IS INCORRECT. SENT THE COMPANY VERIFICATION AND VALIDATION REQUEST OVER 60 DAYS AGO AND THE COMPANY HASNT SENT INFO INFORMATION BACK TO ME AT ALL. BUT THEY ARE STILL REPORTING ON MY CREDIT AND REFUSED TO REMOVE AND SEND ME THE VERIFICATION AND VALIDATION ON THIS ACCT