23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted my mortgage company, American Financial Network Inc. at the beginning of the month of XX/XX/XXXX. I made contact with American Financial Network Inc prior to my late payment date of XX/XX/XXXX in attempt to work with them on how to avoid a delinquent payment that month, due to hardship. I was transferred to several departments including the mortgage refinance department whom failed to provide me with assistance or information needed in order to avoid delinquency. Aside from several transferred calls, I was hung up on and put on hold for long wait periods. Eventually I was transferred to an outside collection agency that informed me that they could not help me because my payment was not yet late. The customer agent stated that I must be in delinquency in order for American Financial Network Inc. to provide mortgage modification options and that they could not proceed with a forbearance or any other type of loan modification over the phone. I was instructed to fill out a generic set of modification forms that did not apply to my circumstances. I was also advised that the loan modification was not guaranteed. Due to the fact that my husband and I are XXXX XXXX XXXX whom rely upon contract XXXX work and are at the mercy of the flailing economy, we contact our mortgage lender as soon as we foresee any loss of income that will enable us to pay our mortgage. We lost our home in XXXX due to being denied mortgage modification thus we are terrified of a repeat scenario and weary to participate in any mortgage modification that requires that we are in default or delinquency in order to qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  two letters, one fax, an d called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX   XXXX  , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/2023 complain # XXXX .However i requested the credit bureau Equifax to send me a detailed desscription of the investigation according to 15 usc 1681i ( 7 ) No later than 15 days and they never furnished the requested information .They did reply and said the information has being verified and still they are reporting improper information on my credit file .Attached is a copy of my credit report with the information reported which is not accurate. JPMCB # XXXX Not my account, Its a corporate account company owned by my XXXX XXXX. XXXX XXXX XXXX Not my Account XXXX XXXX collection XXXX, According to 15USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.
Product: Checking or savings account

On Sunday, XXXX XXXX, XXXX, I made an electronic transfer from my XXXX XXXX XXXX XXXX checking account, ( Do you have to have the account number? ) in the amount of {$310.00} to my checking account at Chase Bank. 
XXXX received the electronic transfer on Monday, XX/XX/XXXX, but failed to post the transfer until Thursday, XX/XX/XXXX. Chase was holding my electronic transfer for longer than was necessary, and for longer than their own policy says. I spoke with XXXX different Chase employees about releasing the hold on Wednesday, but the Chase employees all refused to help me. Each of them told me that some different department handles that. It's not my problem, and to " Live with it. '' I am closing all of my Chase accounts because of this. It's probably illegal to hold electronic transfers for more than XXXX business days.
Product: Credit reporting

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These address do not belong to me my address is XXXX XXXX XXXX XXXX XXXX XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.
Product: Credit reporting

XXXX and Equifax both have incorrect items on report -- XXXX accounts paid off ; XXXX hard inquiries not agreed to.
Product: Money transfer, virtual currency, or money service

This issue is regarding my attempt to transfer Bitcoin from my wallet on XXXX  ( digital asset exchange ) to my private hardware wallet. 

On XX/XX/XXXX, I withdrew XXXX BTC ( equivalent to {$6100.00} as that day 's market price ) from my XXXX wallet to my private wallet. This transaction was successful. 

However, XXXX incorrectly double posted this withdrawal leading to a negative XXXX BTC balance in my account. I also had other currencies that I needed to transfer to my private wallet ( ETH and LTC ). I was unable to make those transactions because XXXX restricts withdrawals when you have an overall negative account balance. 

In order to get the other currencies withdrawn, I sent XXXX BTC in from my private wallet on XX/XX/XXXX. I subsequently withdrew the ETH and LTC amounts I needed to. 

XXXX never corrected the erroneous double post. I submitted a support ticket to XXXX on XX/XX/XXXX, in which I describe the above in full. They asked for more details and eventually admitted it was an error in their system on XX/XX/XXXX after reviewing : " Thank you for contacting us about this. 

We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 

Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' No response from XXXX for weeks so I asked them why it wasn't resolved on XX/XX/XXXX. To which, they replied : " Thank you for contacting XXXX. 

In an effort to respond more rapidly to support requests, direct emails to this address are no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : XXXX XXXX XXXX Please use the email address that you use to log in to XXXX, select the appropriate category, and include as much detail as possible when submitting your request. 

Thanks in advance for your patience and support. '' No resolution still. I submitted another ticket to follow up on XX/XX/XXXX ( Case # XXXX ), but there has been no response. I have elevated this case number today ( XX/XX/XXXX ) and notified XXXX I am formally submitting a complaint to the CFPB. Today, the XXXX BTC is worth approximately {$22000.00} USD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX account which went into collections years ago. I filed for chapter XXXX bankruptcy and had that account as well as others discharged XX/XX/XXXX under case number XXXX. While the bankruptcy was listed separately. Most accounts discharged under the bankruptcy including the XXXX account was still showing up individually, some showing it was discharged under chapter XXXX and others not. On XX/XX/XXXX Experian dropped my credit score by 26 points for updating that the XXXX account was included in the bankruptcy over a year ago which had already taken a hit because of the bankruptcy at the time when it was posted to all 3 credit bureaus. This is like double jeopardy and 26 points was a lot for an account previously included in a bankruptcy which has been reported for almost two years so far.
Product: Credit card or prepaid card

I filed a previous grievance regarding CC company 's failure to restore credit line for 15 days after receipt of payment. 

Synchrony Bank dba PayPal cash back Master Card now says I have forfeited my cash back because I cancelled my account. 

I am sure there is fine print in their agreement somewhere that says they can do this. I consider their actions constitute consumer fraud. I cancelled the account via their automated phone system which made no mention of forfeiting the rewards earned. The rewards I had earned are {$1100.00} Synchrony Bank now says I am out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them 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
Product: Credit reporting or other personal consumer reports

Per XXXX I called Early Warning To opt out of the nation credit bureaus per their website lists a NON WORKING NUMBER to opt out of their services PER THE WEBSITE **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " You may limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll -free number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at XXXX ( XXXX ) '' NON WORKING NUMBER I called a different phone number and spoke with a representative to opt out of early warning reporting services and the representative told me I COULD NOT OPT OUT OF THEIR REPORTING SERVICES Violation of 1016.7 Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED XXXX XXXX, 2018 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. 


Violation of 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) MOST RECENTLY AMENDED SEPT. 17, 2018 Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX Equifax, and XXXX on dates XX/XX/XXXX and another following letter XX/XX/XXXX. All negative activity removed from all three credit bureaus. Equifax, XXXX, and XXXX are not complying with their own policies in a timely manner. 

Also address and name should be updated only to XXXX XXXX XXXX XXXX always confirming middle intial ) XXXX XXXX XXXX. 
XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize this company to pull my credit twice. XXXX should be removed. 



>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXX  XXXX
Product: Credit card

I was contacted my someone from capital one just as my o % promo period was ending, He told me that because i make more then the minimum monthly payments and as long as continue to make my payment on time that they were going to extend the o % promo to me as well as raise my credit limit. I was skeptical so afterwards i call customer support to confirm this and they informed me that i was good to go, As lone as i do n't do cash advance. 
Well not exactly i go paperless and i just reviewed my account on line and im being charged 23 % interest now.
Product: Credit card

My mother had a Discover card, and she purchased the protection plan. She showed it to me when we were going through her records before she passed away. I helped her file a XXXX claim a few months before she died. My mother also told me that the protection plan had a death benefit : the balance would be covered if she died. After she passed I called Discover to inform them of her passing. They told me that she did not have this death benefit, even though they told my mom she did. I sent the death certificate in as requested and immediately received a letter stating the full balance was due immediately. My mom sold everything in the months prior to her death. She was battling XXXX and needed money for hospital expenses. I have consulted our estate attorney, but no progress yet.
Product: Credit reporting or other personal consumer reports

I am contacting you to address several concerns I have encountered with the credit bureau, including inaccurate account listings, unauthorized inquiries, incorrect credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would greatly appreciate your assistance in resolving these issues to help maintain my financial stability.
Product: Debt collection

I was contacted by this company they call their self XXXX XXXX. I was told I had a XXXX cell phone bill for {$800.00} back in 2004 and I should pay them {$270.00} to settle the debt. I dont remember this and Im being threatened if I dont pay them with in 30 days a lawsuit would be filed against me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX 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 XXXXXXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I called on XXXX to ask that my account get closed. I was told that the " request was put in '' to close it. 
However, the account is still open as of XX/XX/23
Product: Credit card or prepaid card

Contacted Bank of America Visa and XXXX XXXX XXXX Fl in regards to {$4.00} and {$180.00} charge XX/XX/XXXX. on my card ending in XXXX. Both companies were told by me that it was not me and my card was used fraudulently. 
Both companies have dropped investigations. 
Neither looked at the video to confirm it was not me. Bank of America said a chip was used so its not responsible. The card was never given to anyone. I live alone and card locked up while at work. XXXX XXXX provided BA with a credit slip with another persons phone number and XXXX XXXX membership #. 
Im not a member of XXXX XXXX. Thanks faxed BA a police report with the XXXX # and it never processed report. BA just dropped case inspite of me pleading it wasnt me. Disappointing after being a loyal card member for 26 years. BA fraud dept. said I had to get credit from XXXX XXXX before I would be reimbursed. Paid Amt. so my credit wouldnt be ruined. XXXX XXXX will not issue me credit. XXXX XXXX says the investigation has to be done purely between Bank of America and XXXX XXXX. 
This occurred at XXXX XXXX XXXX XXXX XX/XX/2020 Time ; XXXX Terminal 4 Transaction number XXXX   Im devastated that as a law biding citizen US and loyal client of Bank of America that it has refused to resolve fraud case and for XXXX XXXX never looking at video. 
Please help me!!! 
Best, XXXX XXXX XXXX XXXX. Also contacted BA CEOs office and XXXX XXXX their consumer advocate never answered or returned repeated calls and supposedly he was going to try to investigate thoroughly. Id say Ive been on my phone 14 hours and neither company will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Keep getting calls before XXXX asking about my student Loans ( federal ) and forgiveness programs and changed my XXXX XXXX
Product: Credit reporting

Chex systems has failed to delete inaccurate information of addresses and name information and unauthorized inquires. Additionally submitted a police report to have the XXXX account removed from their system. They have failed to verify the method verification as well. Additionally, XXXX has failed to verify authenticity of the dispute within the time allowed under the FCRA. Thus the removal of this account as well.
Product: Student loan

I don't have exact dates but I the past when I tried calling or answering the phone calls to try and pay for my all my loans I was told no. I could only pay a certain amount or they put me in forbearance. For my federal loans currently " FINALLY '' for the past few years I am on an income based payment plan but after all this time I now owe XXXX and XXXX for my private. They used to call and harass me to the point of tears asking me if I could borrow from other people. I asked over and over if I could make small payments and was told no. I currently pay XXXX for my federal and know I will not pay it off anytime soon. As far as my private I know I am XXXX!!! I will never be able to fix that now! I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl. I XXXX 2007 with a XXXX XXXX. I see that school isn't even on your list. I'm currently a XXXX a XXXX  there is no way I will ever be out of debt.