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

2 years ago, I had two checks cashed with my checkings account card where my pin was used. When I found out I had lost my card that same day, I immediately called Bank of America to report lost card. However, I saw to checks cashed in my account the next day. When I claimed this as fraud, Bank of America denied my request due to the fact my pin was used inside a branch. However, I was in school all day, I have never been to the branch. I called and begged for them to CHECK THEIR CAMERAS, however no further action was taken. I was only XXXX XXXX XXXX and did not know I was suppose to file a police report with the incident. They started to take money from my checkin account to make up for the thousands of dollars that were cashed by another person. Till this day, they stall me on the phone and I can not get any help from anyone.
Product: Mortgage

I recently paid off a 1st mortgage loan with Pentagon Federal Credit Union. I sold my primary residence XX/XX/XXXX and the closing attorney wired the payoff proceeds XX/XX/XXXX to pay the balance in full. 

I changed my address with Pentagon at the beginning of XXXX to ensure I would receive the refund of my escrow account. I called Pentagon on XX/XX/XXXX to inquire the whereabouts of the refund check. The representative confirmed the escrow account was closed XX/XX/XXXX and a check was mailed. I asked the representative to confirm the mailing address the check was mailed to because Pentagon mailed a mortgage statement with a statement date of XX/XX/XXXX to the property address attached to the mortgage that was paid off and where I no longer live even after I submitted an address change the first week of XXXX. The representative also confirmed the escrow refund was mailed to my new address. He suggested I wait to until XX/XX/XXXX before requesting a stop payment and a new check reissued or a deposit of the refund into my Pentagon savings account which he said was also an option. 

As of XX/XX/XXXX, I have not received the refund check. I called XX/XX/XXXX to request the alternative option of depositing the refund. Once I was connected with a representative, I first asked if she could confirm the address the refund check was mailed. The representative said there was no way to confirm but could only assume it was mailed to my new address. This is a different response than the last representative which increases my concern the check was not mailed to the correct address. I then requested a stop payment of the original check and the refund deposited into my Pentagon savings account. The representative said this request would be possible, but it would take 2 weeks for the stop payment to be processed and then the refund would be deposited. This was not explained when I called XX/XX/XXXX by the first representative I spoke with. I am closing on a new residence XX/XX/XXXX and was depending on this refund to go towards closing cost. 

According to XXXX Timely escrow payments and treatment of escrow account balances, Pentagon is required to refund any escrow amounts within 20 days XXXX excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full. My mortgage was paid off XX/XX/XXXX. 20 days not including weekends or legal public holidays would be XX/XX/XXXX. Pending I do not receive the original check mailed by then, what recourse do I have as a protected consumer? 

Additionally, each time I call Pentagon to address questions regarding my mortgage, wait times are unusually long which makes it difficult to call them to get information. I waited on hold for 2 hours and 17 minutes on XX/XX/XXXX before speaking to a representative and average wait time has been 45 minutes for the past times I've called. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has not responded to my attempts to solve an error on my credit report for months. I have contacted the XXXX on XXXX and XXXX XXXX  has not responded back. The XXXX sent me a message on XXXX saying that they would send them another request for mediation. I have also contacted the office of Pennsylvania Attorney General consumer complaint on XXXX. XXXX XXXX has not responded to the Attorney Generals request for an investigation into my account and credit report. XXXX XXXX has stop replying to my e-messages on the XXXXXXXX XXXX portal. And they have refused to reply to my XXXX demand for arbitration. XXXX XXXX must engage with their customers and allow us a venue to solve our disputes.
Product: Mortgage

I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.
Product: Credit reporting or other personal consumer reports

Im looking to qualify for a loan to further my education. After recently reviewing my credit report, I noticed some inaccurate information on my file.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am requesting that these items be removed under FCRA : XXXX XXXX / XXXX XXXX ( Inquiry ) XXXX XXXX ( Delinquency ) XXXX XXXXXXXX XXXX ( Delinquency ) I'd deeply appreciate if this matter could please be investigated and deleted per the disputed items, as soon as possible. Thank you!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of XXXX XXXX XXXX listed on my credit report. After thoroughly reviewing the information provided by XXXX XXXX XXXX, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

Refer to Complaint # : XXXX - TransUnion Refer to Complaint # : XXXX - XXXX Refer to Complaint # : XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, XXXX and Equifax credit report are fraudulent, unauthorized and not my credit inquiries : 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 Appeal, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Motors Auto, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXe, XX/XX/XXXX XXXX XXXX XXXX XXXX Cac, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXk, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXn, XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I am an XXXX  and won a car for winning the 2018 XXXX XXXX  of the Year competition in XXXX, as well as a XXXX XXXX. 
I ended up upgrading to a XXXX XXXX, so this car is very memorable to me and my son ( single mother ). I have communicated with Ford Motor Credit regarding my difficulty in paying the car notes via telephone on numerous occasions. They allowed me a deferment of two months during COVID and no extra help since then. I called back to let them know that I was displaced out of my apartment due to a carpet beetle infestation and had to spend over {$3000.00} trying to remedy the situation myself. On XX/XX/XXXX I made my last payment ( see attached ), missed XXXX due to unable to live in my apartment ( bot flies have infested my skin from my apartment and I have fighting an uphill battle with expenses in general. My account representative with Ford Credit instructed me to at least pay something, which is what I did on the XXXX, didnt post until XXXX. I also made a payment the previous month on XXXX ( see attached ). Yet, XX/XX/XXXX it was taken back without any concern. I have a XXXX XXXX called XXXX and now I dont have a car at all!!! When I called today on XXXX to figure out what I owed, I was told by Redemption that I had to pay it off to get it back in the amount of {$28000.00}. I cant afford that as an XXXX? I have a son at home and this is an emergency state we are in. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Please remove these inquiries.
Product: Checking or savings account

XX/XX/ I received an email from Frost bank saying account was registered. And debit card is on its way. After an hour I received a call from Frost bank asking did I open an account with them and I said no. They asked me to complain in this website regarding this issue. And also they said they closing the account. 
But I think my email is comprised. I been getting activation links from different companies. More than 15.
Product: Debt collection

On XX/XX/2020, I received a collection letter from Credence Resource Management LLC, alleging that I owe a debt that they are trying to recover for {$1200.00} and stating that creditor has authorized their office to accept a payment in the amount of {$450.00} to resolve the debt. The letter indicated XXXX XXXX XXXX XXXX was original creditor. I wrote a letter to them dated XX/XX/XXXX which I certified mailed them and in which they received on XX/XX/XXXX ( within 30 days after I received their letter ). I indicated to them that I NEVER had XXXX XXXX XXXX  as my provider EVER in my entire life and I asked to send me some verification of debt in any form such as contract or application or statement allegedly relayed to the debt or signed receipt. To this date they have not provided me any validation of in any form and neither they responded to my certified letter that they received on XX/XX/XXXX. I sent another certified letter on XX/XX/XXXX, seeking explanation of this fraudulent account and they didn't respond back but they immediately reported this fraudulent account to all to all 3 credit agencies and substantially impacted my credit. I find their act as intentional and abusive because they had the letter from me asking for verification and they knew that I never owed any money to the creditor because I never had any dealings with creditor but they reported me to credit agencies to damage my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- XXXX XXXX however XXXX they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I sold {$740.00} of Bitcoin on Coinbase to have the USD amount ( {$710.00} after fees ) deposited into my bank account. Now on XX/XX/XXXX I still have not received the funds and have only received a few different form emails from the company after I contacted them and the webpage says " completed '' next to the transaction. The emails were not helpful and I am unable to get a hold of anyone on the phone ( they actually say they ca n't talk to you about withdraw problems right now ) and am wondering if I have lost this money forever. 

The one thing I wonder is if I selected " wire '' instead of the ACH option, as I believe Coinbase has a XXXX minimum for that. In which case I just want the company to return the funds to my coinbase usd wallet or resubmit a new ACH. Although I had done this once before and had no problems ... I believe I did everything the same way.
Product: Debt collection

The aforementioned credit collection agency representing whomever AFNI, INC. is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Debt collection

I received a bill after moving out of XXXX XXXX XXXX XXXXXXXX XXXX XXXX saying I owe them almost XXXX XXXX for everything including new carpet, paint, parking ( I don't even have a car ), etc. 
I left the apt in good shape when I moved out and they refuse to send me any proof and they have reported this to the credit bureaus!!
Product: Mortgage

I filed for Chapter XXXX BK in XX/XX/XXXX and was XXXX XX/XX/XXXX and the mortgage was not reaffirmed. Chase has reported negative credit marks to the credit agencies from XXXX to XXXX. My loan was serviced released in XX/XX/XXXX and Chase filed to notify my new servicer about my Chapter XXXX discharge and the loan not being reaffirmed. Because of Chase error and not providing the new servicer with the correct information during a transfer the new servicer also started reporting to the credit agencies. I was able to submit my Chapter XXXX information to my new servicer and they have since corrected the issue.
Product: Credit card

XX/XX/XXXX, I applied for a balance transfer with American Express. I opened a new card, an American Express Blue card and transferred the balance. It was a no interest if paid within 15 months balance. They charged a fee, which is common. What is not common is that they are charging me interest on the fee every month. I 've transferred balances to other companies many times in the past and they never charge interest for their fees or the transfer until the stated time period is up ( 12 months, 15 months, 18 months ). I contacted American Express about this last month and they said that I should just send them a check for the fee and that would stop the interest. I explained that it was n't possible to do that because they would n't apply the money to the only the fee. 
I 'm not sure if this is illegal because they did say no interest for 15 months, but it should be illegal and I wanted to report it just in case. As soon as I can pay this off or my 15 months is up, I am closing this account and not working with American Express again. 
thanks XXXX