23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I APPLIED FOR A XXXX XXXX XXXX  CREDIT CARD EARLIER THIS YEAR AND WAS DENIED. THE LETTER I RECEIVED, WHICH I HAVE SINCE MISPLACED, STATED THAT THE FICO SCORE WAS THE REASON. THE SCORE WAS LISTED IN THE 400s, AND MY ACTUAL SCORE IS XXXX. I TRIED TO SPEAK WITH A SUPERVISOR AT THE NUMBER XXXX XXXX XXXX , AND XXXX WOULD NOT PUT ME THROUGH. HE TOLD ME THAT THE SUPERVISOR REFUSED TO TAKE MY CALL. ALL I NEEDED WAS THE PHONE NUMBER OF THE DEPARTMENT THAT HANDLES CREDIT APPLICATIONS. IF THE BANK IS GETTING INCORRECT INFORMATION REGARDING MY CREDIT SCORE, I NEED TO KNOW WHERE THE INFORMATION CAME FROM, BUT THEY " REFUSE TO TAKE MY CALL? '' PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following letter was sent over 30 days ago demanding removal of inaccurate and invalidated information on my consumer report. 


Subject : Fair Credit Reporting Act, Section 609 Dear Equifax, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : ( Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Mortgage

We submitted for short sale review on XXXX/XXXX/2015 The interior BPO was completed on XXXX/XXXX/2015 resulting in a value of {$110000.00}. 
We called Ocwen XXXX/XXXX/2015 and spoke with XXXX id # XXXX. This representative advised that the file was denied as Ocwen wants to net {$110000.00} ( meaning they want to net more than the actual property is worth! ) We requested a copy of the denial letter as well as a copy of the BPO. On XXXX/XXXX/2015 we spoke with the negotiatior on the file XXXX XXXX and it was confirmed that they are requesting a net of no less than $ XXXX- The negotiator stated the only option would be foreclosure or DIL.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Below is the letter I wrote to Ally with the issue and no response. 


Dear Ally Financial, I am writing to formally dispute the inaccurate information being reported on my credit report regarding the loan for my XXXX. According to my records, the full payment for this loan was made via a money order ( Check # XXXX XXXX ) in XXXX of XXXX XXXX. Despite this, you have been reporting late or missed payments for the XXXX XXXX, which is both inaccurate and damaging to my credit. 

As proof of payment, I have attached documentation from XXXX XXXX that shows the money order was processed and cashed by Ally Financial in XX/XX/XXXX. This payment covered the full amount due, satisfying the loan in its entirety. 

The repeated negative reporting on my credit is unacceptable and appears to stem from an internal mismanagement of your financial records. I fulfilled my financial obligation, and I am not responsible for any errors on your end. 

I request that you : Immediately cease reporting this false information to the credit bureaus. 
Correct any inaccuracies and notify all three major credit bureaus ( XXXX, XXXX, and XXXX ) to update my credit report accordingly. 
Provide written confirmation of these corrections. 
Failure to resolve this issue promptly may leave me no choice but to escalate the matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary. 

Please address this matter with the urgency it deserves. I look forward to your prompt resolution of this dispute and written confirmation that the matter has been corrected.
Product: Credit card or prepaid card

I applied in my bank to consolidate two credit cards. One is mine and the other other one is from my partner. We paid off the credit cards together due the fact the we both are working to refi our home. Capital One in XXXX cashed both check and only paid off one credit card. I submitted a claim and sent all the information provided by my bank and they are unwilling to process my claim and paid off the second credit card
Product: Debt collection

Capital Accounts forwarded a bill to me XX/XX/2021 in violation 15 USC 1692f ( A ) and 15 USC 1692e ( XXXX ) stating that if I did not pay the invoice amount that they would report such information to my Consumer report which is a violation of 15 USC 1692d ( XXXX ) and 15 USC 1692f ( XXXX ). In addition Capital Accounts has called me on XX/XX/2021 in regards to this alleged debt also in violation 15 USC 1692d ( XXXX ). Furthermore I did not give Capital Accounts written consent to have my private information, nor do I have any contract with Capital Accounts, I dont know who they are and never have done any business with them. Capital Accounts has violated my Consumers rights and has used abusive practices in violation of 15 USC 1692 ( a ) to collect a debt.
Product: Credit card

I applied for a Credit Card earlier this month and received an email on XX/XX/2023 saying I was denied my securities when I contacted they company to get a specific reason as to why I was being denied my God Given Right to Credit As Granted to me by the Equal Credit Opportunity Act. I was given Misleading in False information until Finally, I was directed to the submit a complaint on behalf of me being denied my securities. I have yet to receive a response.
Product: Money transfer, virtual currency, or money service

This scam lasted for about XXXX months. I was looking to learn more about stocks and cryptocurrency when XXXX XXXX ads led me to a person with contact number of XXXX who intrduced himself as XXXX who is a receptionist in XXXX XXXX. Later they made me join a crypto whats app group called XXXX XXXX XXXX. Initially, I was inactive and didnt invest much. A few days later, I connected with a woman ( XXXX ) in the group who mentioned XXXX XXXX long history. Intrigued, I researched and found XXXX XXXX  website, where I saw that XXXX XXXX was the main financial representative. Finding his profile on the XXXX XXXX website and XXXX gave me more confidence, and I began investing more. Another group member, a seasoned trader named XXXX XXXX, claimed to know XXXX XXXX well. When I mentioned that I didnt have enough money to invest, XXXX sent me {$20000.00} on the trading platform ( which I later realized was part of the scam ). Unfortunately, that same day, everyone in the group suffered major trading losses, and I lost everything. Although I was devastated and ready to stop, both XXXX and XXXX encouraged me to recover my losses. Feeling pressured, especially since XXXX had given me {$20000.00}, I took out {$120000.00} loan and invested it as they suggested. They talked about a XXXX trading cycle. 

When the cycle ended, XXXX advised me to pay taxes to XXXX XXXX immediately, warning that delaying payment would result in a higher tax percentage on my tax return. I invested {$35000.00} out of the {$74000.00} I owed, and XXXX sent the rest to a crypto address provided by XXXX XXXX ( which was also part of the scam ). However, when I tried to withdraw my money, the app ( XXXX ) we were using denied my request, demanding my bank credentials, drivers license, passport, and other identity verification documents. I complied, but then they asked for XXXX XXXX of the amount I was trying to withdraw, which I couldnt afford. This raised my suspicions, and after some research, I realized the entire operation was a scam. The contact info for the XXXX XXXX app is XXXX which was provided to me by XXXX XXXX XXXX XXXX XXXX ). 
In hindsight, I believe the main reasons I was scammed were their use of a reputable company name like XXXX XXXX and the app they used, XXXX XXXX, which closely resembled the legitimate platform Coinbase. I even checked the XXXX XXXX XXXX ( XXXX ) registration and, seeing XXXX listed, felt more confident in the app.I have other related information and screenshots of the scammers profile and contact number but was unable to send it with this form.
Product: Credit reporting or other personal consumer reports

The last notice sent to Experian dated XXXX was very clear and very conspicuous in regards to what was being requested under federal law. Federal law expresses that EXPERIAN must have written consent from the consumer to furnish information to their credit report/profile. To date, EXPERIAN has never received such written consent from me, the consumer.
Product: Credit card

I have a business credit card from Bank of America that had fraudulent transactions on XX/XX/year> owing to losing the card. 

There were three fraudulent transactions posted to my account but only one has been resolved and credited back to my business credit card account. 

The other two charges totaling to an amount to {$360.00} has still not been reversed. I have made multiple calls to Bank of America Business Credit card customer service asking to explain the same and they keep denying the fact that there were three fraudulent charges posted on XX/XX/year>. 

I am attaching the credit card statement for the month of XXXX capturing the fraudulent charges not credited back to my account as the proof of my assertion. 

In addition to the same, Bank of America also debited {$360.00} towards the payment to the full balance of the card for the XXXX month statement cycle on XX/XX/year> from my Bank of America checking account. 

When asked for the refund for the payments made towards the fraudulent charges from Bank of America, the customer service department denied the refund of the payment withdrawn on XX/XX/year> due to the autopay set on the business credit card account which is clear violation of federal law.
Product: Checking or savings account

On XX/XX/2022, I initiated through Discover Bank an ACH transfer of {$20000.00} from my money market checking account at Discover Bank to my checking account at the XXXX XXXX XXXX. The transfer was never executed. And no monies were ever received at the XXXX XXXX XXXX. Nor were the funds returned to my Discover Bank account which has since been closed. 

In subsequent, numerous conversations with Discover Bank and an investigative unit at Discover Bank, telephone # XXXX, between XX/XX/XXXX and XX/XX/XXXX, I was told that the funds were in a " Non Account Holding ''. On XX/XX/XXXX the Investigative unit of Discover Bank asked me for a new routing number and account # to which the {$20000.00} should be sent. I was told the funds would be sent to me within 10 business days. On XX/XX/XXXX the funds had still not been sent, and the investigating agent, id XXXX XXXX, sought confirmation that the funds would be sent to me, and that I would be alerted to this fact today, XX/XX/XXXX. As of today no confirmation has been received. 




















































XXXX
Product: Debt collection

I had a settlement agreement with Portfolio Recovery & paid into that for 1 year that I had done through a consumer debt company called XXXX XXXX  XXXX. My debit card was compromised & I had to receive a new one. When I went to update my card on their website, I found out that they don't have that feature. Debt Help gave Portfolio permission to speak with me & I spoke with someone on XX/XX/XXXX & they said they would honor the original settlement but they had to speak with Debt Help. Of course, XXXX XXXX wanted to them & today Portfolio is blatantly lying & telling them they did not speak with me and never made that verbal agreement. I was driving down the interstate & could not pull over to write that person 's name down. I am telling the truth & Portfolio is lying through their teeth.
Product: Money transfer, virtual currency, or money service

Good Evening.. my dears At Consumer Financial Protection Bureau XXXX greeting I'm having difficulties getting My judgement Funds from Chase Bank, JP Morgan, I faxed my File Case XXXX three times From chase bank, XXXX California, branch on XXXXXXXX XXXX and so far no reply from chase bank side and Here 's what happened today Friday XXXX see As per my phone conversations, today Friday, XXXX XXXX with chase customer service XXXX Time : XXXX XXXX  California pacific standard time , Case number : XXXX XXXX This is regarding my judgement XXXX Been faxed to 3 times to chase Court orders and Levies department, fax XXXX, so far nothing Received from Chase Court Orders Levies department Please find enclosed with My fax to you the Following Court Documents : * Plaintiff Federal Procedure Rules 54 B * My judgement Statement of Cost Please Process my judgement Funds as quickly as possible Since the judgement XXXX due since XXXX XXXX, thank you, for your help,
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, names on file, authorize any of these companies to run my credit, nor did I live at these addresses. Please remove them.
Product: Money transfer, virtual currency, or money service

I was on XXXX and I saw a friend was selling lots of stuff. I was interested in a few things. His name was XXXX XXXX and I grew up with. All seemed legit. Said if I paid him something as a deposit he would remove the picture in the post. I sent him XXXX via Zelle. This was Sunday XX/XX/XXXX. I didnt discover until the following day that it was a scam. I contacted Zelle and my banking institution and I can not get the money back. I am a young widow with a young daughter and I am making XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report it concerns me there was an inquiry added on XX/XX/2023 from : XXXX Apparently is a home furnishing. I did not make this inquiry. Please do not grant credit to this company. Remove imminently Im not liable for it. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc and cfb violation inaccurate information showing on credit report filed police report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 " XXXX XXXX XXXX  '' ran my credit using a hard inquiry. 
Someone has been using my social security number and identification to apply for credit that I did not authorize or know about. I did not apply for anything on this date for this company. 

On XX/XX/2018 Equifax customer service told me that they could not and would not file a dispute for this hard inquiry that I did not authorize. And that I would need to have " XXXX XXXX XXXX '' contact Equifax directly and instruct the company to remove this hard inquiry from my credit report.
Product: Money transfer, virtual currency, or money service

There was a charge on my account thru zelle and I never authorized or made that specific transaction.
Product: Debt collection

I contacted this company and ask them for proper verification of two accounts on my credit profile one with a balance of $ {$430.00} and one with a balance of {$1000.00} ; this company never sent me a letter and asked me to verify that this debt belongs to me instead they sent me a letter stating that the original creditors verified to them that the name and address is correct, as per the fair credit reporting act section 609 proper proof is hereby requested in the form of the original agreement bearing my signature and Ive yet to receive it ... none of the two balances in the possession of this company belongs to me its been over 60 days since I contacted these collectors,
Product: Mortgage

I have been dealing with Bank of America, only to be told lie after lie. First off, I had to have a packet notarized and sent back to them, it came without a prepaid envelope. I requested that one be sent to me for weeks.  One  never came so I paid for the return of the packet after I spoke to the account manager. He told me I would be reimbursed. Today he stated he does n't know if the packet ever got there. I stated I paid {$30.00} to return the packet. He now states he never said I would be reimbursed. He will look into it. It was sent 2 day delivery on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX .   I had a loan forbearance in  XXXX . I thought for some reason it was a modification. This was entirely my mistake. I made the forbearance payments in  XXXX  and  XXXX   XXXX .  XXXX   XXXX  when I tried to make a payment I was told I was in foreclosure so I was forbidden from making any payments, unless I paid the entire overdue amount. Today he said I was in foreclosure but asked if I wanted to make a payment?. I asked how that was possible if I was in foreclosure and he said I was n't. I hope they tape these conversations. He said I was taken out of foreclosure due to a new MA state law. He stated I could have been making payments all along. I talk to this man every week  ( me calling him )  and he never once told me that. All this time I could have been making payments but was never allowed because when I tried I was told I was in foreclosure. He also said to make a payment right away because the law could change any minute and I could go right back into foreclosure. I feel I am getting the run around on anything that has to do with Bank of America, from simple documents to being told I 'm in foreclosure to not being in foreclosure. But most of all not being allowed to make mortgage payments!!! When my forbearance was about to expire in   XXXX   XXXX   my account manager should have reached out to me to see what our next step was going to be for the continuation of the mortgage.
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Credit pull from these companies on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX/MILESTONE XXXX XXXX XXXX XXXX, OR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several hour+ long calls were made to this company regarding unauthorized inquiries listed on my report. XXXX XXXX I sent a certified letter asking for verification and disputing the inaccuracies. I also had a fraud alert placed on my account months ago due to possible identity theft. I am concerned that these inquiries have reappeared after the data breach. 

Lastly, XXXX financial is not authorized to collect debt and I noticed was faxed into Equifax stating this along with a statement from XXXX representative acknowledging the removal from all XXXX credit bureaus. This account still remains on my account and is being reported as a recent collection from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Checking or savings account

THIS STATEMENT IS FACTUALLY INCORRECT. Bank of Americas response to my recent complaint. 

On XX/XX/XXXX, you contacted our Estate Servicing Operations department to inform us of the passing of XXXX XXXX XXXX. Please accept our condolences for your loss. On XX/XX/XXXX, we received a copy of the XXXX XXXX for XXXX XXXX XXXX. On XX/XX/XXXX, you contacted our Customer Service department and requested the closure of account ending in XXXX that you shared with XXXX XXXX XXXX. On the same day, the referenced account was placed in a closing status. On XX/XX/XXXX, we completed the closure of account ending in XXXX. On the same day, a check for the funds in the account of {$20000.00} was issued to you and sent to the address on file via XXXX tracking number XXXX. We can confirm the check was delivered on XX/XX/XXXX. Please be assured that your concerns have been shared with our senior management team as an opportunity to improve the service we provide to all clients. We hope that you will allow us the opportunity to restore your confidence in us in the future. Thank you for sharing the details of your experience with us. We sincerely regret the inconvenience and frustration this matter may have caused. Our goal is to provide professional, courteous and responsive service at all times. We apologize that, in this instance, we did not meet your expectations. 
MONETARY RELIEF AMOUNT {$20000.00} THE CORRECT INFORMATION : I reported the passing of my mother, XXXX XXXX, on XX/XX/XXXX. Bank of America withheld funds from my mothers estate for months, despite submitting the required notarized forms and death certificate, often multiple times. 

Only until the CPFB intercede did they finally release the funds. 

A request for the remaining funds of {$20000.00} was initiated on XX/XX/XXXX. Until the CPFB again intervened was the matter closed on XX/XX/XXXX. There must be recourse to their practice of denying funds for as long as possible.

This pattern of of withholding funds and the repeated requests for documents already sent to the bank is unacceptable. Merely returning funds in fear of CPFB response does not follow standard bank practices and, in my opinion, illegal.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my transunion profile which i shouldnt have any inquiries I have not applied for any credit in the last 3 years and I should have a freeze in place As per 15 usc 1681 there is no permissible purpose for those inquiries and they are unknown and unauthorized These are the inquiries below : XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX. ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX