23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 I deposited a paycheck through the mobile app on my phone into my Bank of America checking account. Until this time, I have ALWAYS gotten use of these funds the next business day. I have deposited checks from this company twice a month for 10 years. Never once has B of A held my funds longer than one day. This time they put a Hold on my funds until XX/XX/2020. 

I checked with the employer writing the check to see if they switched bank account or banks or have had other problems on their end. They assured me they had not. 

I called B of A on the XXXX and was told that they have the right to hold the check up to 7 business days. While I understand that, they have NEVER done this before. I asked what the reason was and all the rep could say was that there was nothing I could do about it. I asked to speak to a manager who said I should talk to someone on their " Preferred line '' and she transferred me. 

The rep on the " Preferred line '' said there was nothing she could do because the bank had the right to hold the funds. I asked to talk to her manager who told me to call back the next day after the check had posted. 

I called back the next day, the XXXX, and the rep said there was nothing they could do about it. I asked to speak to THAT manager who said he didn't know why someone would tell me to call back because there was nothing they could do once a hold was placed on it. I asked to speak with HIS Manager but that manager was not in and he said he would have him call me back in 24-48 hours. It has now been 48 hours and I have not heard from them. 

I have since found out that my check cleared the drawn on bank on the XXXX. I still do not have access to my funds. It is a large amount to me and I will be having late fees and possibly NSF 's for my billpay payments that have been set up. 

I thought that Regulation CC requires a bank to provide me with the reason for the hold within a day of making the deposit. I know it can be held up to 10 days if there is a reason. But this check has already cleared the drawn on bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX po box XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX  Inquired on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Account type FHA Mortgage I am writing to formally dispute the late payments listed on my credit report for my mortgage account XXXX XXXX XXXX XXXX  Account number XXXX. Due to a loss of income and a XXXX, my mortgage was in deferment during the relevant period. I believe that these late payments are inaccurate as my account was not supposed to be reported negatively while in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted your office months ago after I was notified that there were items being reported to my credit that did not belong to me. Many of those items have been removed, however, now that I've been monitoring my credit closely, I've noticed new items that hove been placed on my credit that hove no name. only account numbers. Please remove these items as soon as possible. XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX ( accnt #  XXXX ) Item # 1- No Name ( account number XXXX ) Item # 2 No Name ( account number XXXX ) Item # 3-No Name ( account number XXXX ) Item # 4- No Name ( account number XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information in my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681i ( a ) ( 1 ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has sued Experian for allegedly conducting inadequate and sham investigations of consumer disputes, in violation of the FCRA. This legal action highlights systemic failures in Experian 's dispute resolution processes that may have affected my case. 

I dispute the following information in my credit report : XXXX - Inquiry : XXXX XXXX, XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX-XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX  - Inquiry : XXXX XXXX, XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681i ( a ) ( 1 ), you are required to conduct a " reasonable reinvestigation '' of disputed information. This means conducting a thorough investigation beyond simply verifying that the information appears in your records. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or modify that information.
Product: Payday loan, title loan, or personal loan

I have been attempting to resolve an issue since XX/XX/2019. Every time I submit a complaint WLCC d/b/a XXXX XXXX  closes it stating it is a duplicate. The problem is they have NEVER RESPONDED. They are fraudulently closing my complaints as duplicates and NOT RESPONDING to said complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to see my report and scores. I have called in and verified my identity through a link that was sent by the customer service agent that I was on the phone with and still nothing. I haven't been able to see my credit report in over a month and a half. They are delaying my disputes and costing me time and money. By stating that it's not me who is righting the letters, that someone is writing and sending them in with out my knowledge.
Product: Credit reporting or other personal consumer reports

Account is not mine. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Balance : {$8400.00} Account Number : XXXX
Product: Mortgage

When we first talked to our loan officer in late XXXX XXXX, we were very clear that we can not buy a house if there is a chance we can not move in by the 1XX/XX/XXXX. My new job starts XX/XX/XXXX. The loan officer assured us that would not be a problem. He made it clear that the bank does not need me to actually start employment so long as we have the signed employment contract, which we do. 
At the time of our Initial Disclosures, we were again assured that I didn't need to be working at the new job and that we could close by XX/XX/XXXX.

The inspection found issues with the roof, so we paused the appraisal until those issues were resolved. I let the loan officer know on XX/XX/XXXX that we were ready for the appraisal. As of today ( XX/XX/XXXX ) the appraisal is not scheduled. The loan processor called XXXX XXXX to review documents and request more information. She said we can not close before XX/XX/XXXX due to the pause in the appraisal. She also said we can not close the mortgage until I actually start work, but she would get with the underwriter to see if there is anything that can be done. It turns out, she's right. Closing before XX/XX/XXXX was never an option from day one. 
( So, that was either a blatant lie by our loan officer on day one or else a huge mistake. Either way, that misinformation led us to buy a house after we were very clear that we can not move after the first week of XXXX. ) The loan processor also revealed that the loan officeXXXX had put XX/XX/XXXX on our loan application. That was never our closing date. We have no idea why the loan officer would list XX/XX/XXXX without telling us or the real estate agent. Our contract on the house says XX/XX/XXXX. 
In addition, we have had numerous communication issues with the loan officer. Our real estate agent has also experienced issues communicating with the officer. He does not return phone calls ; he responds to most emails, but not always in a timely manner.

So now, here we are without a place to live still waiting on the mortgage to close. We have wasted our summer and much of our savings paying for two extra months of rent we shouldn't have had to pay.

We feel the loan officer misled us every step of the way. From the incorrect information about me starting work ( he was completely wrong about that ), to assuring us of closing dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XXXX, and now XX/XX/XXXX ), to incorrect information about the form of employment verification needed ( he assured us that verbal confirmation on my start date would suffice, which we found out later that it will not ), the loan officer has been wrong about nearly everything he's told us. He even sent over a completely wrong loan pre-approval package the 1st time! We would never have bought a house if we thought we couldn't close before the first week of XXXX. I feel that our loan officer knew that information and so misled us for three months just so he could make a sale. I have left numerous messages for the officer 's supervisor with no returned calls. I called the main hotline but could not get further assistance other than the supervisor 's contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made an identity report with the federal trade commision in regards to inquiries that have been reporting on my credit report that are not associated with any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested payment assistance from my mortgage, loan depot, but they only offered a 3 month forebearance. The problem with a forebearance is that payment is due in lump sum at the end of the forebearance period. This present a difficult situation for me. I have requested deferral from the company but they claim to not be able to offer it at this point. Please help me secure a deferral solution to my mortgage for more than 3 months. 

Thank you
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B obliges us to eradicate any inaccurate accounts from my credit report. Could you please review the documentation? Certain listed accounts are inaccurate in terms of reporting.
Product: Debt collection

XXXX XXXX XXXX XXXX that I owe Some account ending in XXXX. 
Synchrony Bank All my accounts were paid. 
XXXX XXXX Carecredit I keep getting harassing calls asking for personal information over the phone. I will not give it. They will not tell me who they are or what the debt is. 
I need help for them stop. 
Sincerely XXXX & XXXX XXXX
Product: Debt collection

I have sent 2 certified letter requesting the details for National Adjuster credit for {$4700.00}. Sent request for validation on XX/XX/XXXX and it was signed for on XX/XX/XXXX to XXXX XXXX of Ohio. Looks like after that date it was moved to National Credit Adjuster, so on XX/XX/XXXX sent a letter to credit adjuster on XX/XX/XXXX it was signed as received. I still have not received paperwork for the debt. However Credit adjusters marked my credit report as 90 days late as of XXXX, when last reporting on the file was 2 years ago. when it was moved to collection. Need also know why Credit Adjuster start over reporting after 2 years. Both letter was request for original amount, and company with date of loan.
Product: Credit card

My Best Buy card which is managed by CitiBank has held my account hostage while it is in their seemingly ongoing " review '' process for over 5 months. I do not agree with the charges and fees that have accumulated on the account due to the fact they would not allow my wife to pay off the account while I was in the hospital. Now they will not let me do anything to settle the account while they hold it in limbo. It has hurt my credit score and impacted other areas of my family 's life. They will not give me any concrete information on my account or any semblance of an idea as to when their review process will be complete.
Product: Mortgage

My husband and I were with another mortgage company. It was bought out by PHH Mortgage Services. We sent in one check to be applied to two loans with the company. After PHH had received three of our checks we received a notice in the mail about foreclosure on one loan. We called and talked to someone and they said it would get fixed. My husband was told that we had to submit another check for the other loan acct so we did. Next month after another notice of foreclosure showed up. When I tried calling they said i wasnt on the acct so i couldnt do anything until my husband called in to get this fixed. So he did and he talked to someone about fixing the issue of the supposed debt. PHH reps have told us over and over at least 20 times if not more that this will get corrected and it hasnt been corrected. I just spoke to a lady 2 weeks ago and she said we missed the first payment. Even though the other loan was paid. So upon talking to her she told me the payment for the default loan was just gone and there was no proof that the money was there to pay it. So i told her the check number and told her to look up the other acct and see what was paid toward that the first month. So she finally saw that there was extra money put on that acct. She said she would correct it. Well just today received yet Another statement from them saying we have a late charge applied to our acct. I have tried 4 times today to contact them and there is technical difficulties with their phone. I know our credit is being affected by this along with our home. We can't afford an attorney to take care of this and we shouldn't have to it is PHH 's Fault on this.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit file i notice that there were two credit cards established in my name with bank of america and XXXX after careful review of these accounts i did not establish these accounts and they appear to be fraudulent .i have not given any one my expressed permission to establish these accounts in my name this information represents clear violation of the ( FAIR CREDIT REPORTING ACT 15 U.S.C 168I
Product: Credit reporting or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, VE, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

XXXX XXXX submitted dispute charges on his Debt card with USAA and USAA issued credit for those disputed charges. Then over 70 days later took the money back out of our account without no warning and no advanced warning. Called and Called trying to rectify the situation and to no avail even the XXXX office and not XXXX party would help or explain how they could violate their own agreement with XXXX that they have 60 days to reverse charges and/or mediate the dispute as well. Those charges hurt our family in major ways we were staying in a hotel room paying day by day and living day by day and trying to get a new permanent home as well. Which our check bounced for deposit our insurance payment bounced and stressed out for no valid reason per ethics or contract law. We even asked for help from their donation department to help and they could not help us out with a deposit for our new permanent home. Our account become overdrafted and we moved our direct deposits to another bank, Once over drafted and we owed them money for the past money we are locked out of our other accounts other than paying the bills on our mobile device we can not pull old statements from our bank accounts, add a car online to our insurance or pull old statements on our credit card or market account. Documented on Facebook as well as other notes and a printout showing how we our locked out of our account. XXXX XXXX was punished just the past 60 days for this behavior. When we call to get resolution we are on eternal hold for over XXXX30 minutes several times. USAA violated the trust given to them by many and business ethics.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX, XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for their failure to maintain accurate address information on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Equifax is currently reporting ten different addresses for me, correctly listing one as my current address and the other nine as past addresses. This is clearly inaccurate, as I have resided at my current address since XXXX. The correct address is : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, Equifax is required to : 1. Ensure maximum possible accuracy of the information on my credit report ( Section 607, 15 U.S. Code 1681e ).

2. Disclose accurate and verifiable information to consumers ( Section 609, 15 U.S. Code 1681g ).

3. Conduct a reasonable investigation upon receiving a dispute and correct or delete any inaccurate, incomplete, or unverifiable information ( Section 611, 15 U.S. Code 1681i ). 

Despite my efforts to dispute the inaccuracies and provide sufficient proof of my correct address, Equifax has failed to correct or delete the incorrect information. This excessive amount of inaccuracies in my credit report demonstrates non-compliance with these FCRA sections and poses a risk to my creditworthiness and financial opportunities. 

I request that the CFPB investigate this matter and ensure that Equifax corrects the inaccuracies in my address information. Attached are copies of my drivers license, social security card and a screen shot showing the excessive addresses being reported. I am a victim of identity theft and I am attempting to fix this matter and Equifax is making it extremely hard for me. 
Thank you for your attention to this matter. 

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

Company is not reporting credit card and balances to my credit report.
Product: Payday loan

I took a payday loan out from the Cash Store back in 2014. I had to pay it off thru XXXX XXXX XXXX because I ran into financial problems. I pay {$1600.00} which paid it in full. Today I received a call from XXXX then the lady transferred me to XXXX XXXX at XXXX. He told me I owe {$940.00} on this bill. He said I was going to be served a summons and arrested for check fraud. I tried to explain that this was pif. I said I will fax over the proof and he said the fax machine was broken. He said that they checked my records and I have never had problems like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I went into an extension agreement with SunTrust. The agreement outlined a payment wasnt due until XX/XX/2021. They asked that I sign and return the written agreement, which I emailed on XX/XX/2021. 

On XX/XX/2021 I received notification my scores dropped XXXX points with XXXX and XXXX with XXXX. 

I am in the process of refinancing my home and the significant drop in scoring will prevent me from moving forward. 

I called SunTrust to assist several times. Ive explained the urgency- to no avail.