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

BBVA Compass Bank was sold or merged with PNC Bank in XXXX. All accounts were officially moved on XX/XX/XXXX - this is a brief summary of the significant snafus and errors made and that continue to exist with my accounts. 

Note I have both my personal checking accounts and my small business accounts at this bank 1. The bank is unable to provide transaction details that account for a reduction in the balance of my small business checking in the amount of {$32000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount.

2. The bank is unable to provide transaction details that account for a reduction in the balance of my personal checking in the amount of {$2000.00}. There is a gap in the online account details from XXXX to XX/XX/XXXX and the online balance differs from my calculated balance by the above amount.

3. For a period of approximately 3 weeks following the merger I had zero access to my accounts for the purpose of monitoring, transfering, or making online payments. This was especially problematic for my small business accounts.

4. After hours and hours on hold on the customer support line- I estimate I was on hold for a total of over 20 hours - I was finally able to access my accounts- but I needed two separate login ids for my personal and my business accounts - rather than all my accounts managed from one dashboard as I had with BBVA. This is a big problem and hardship for me as I need the ability to transfer funds between my personal and my business accounts for my day to day operations and I have lost this functionality. They have combined my personal line of credit and my personal visa card on the business dashboard -- but they can't seem to be able to combine my personal checking with business banking. After significant more hold time I was told 2 weeks ago to give them 5 business days to combine the accounts. As if XX/XX/XXXX this has still not been handled.
Product: Debt collection

on XX/XX/XXXX they sent over a text about a debt with the option to text stop and opt out. I respond stop On XX/XX/XXXX they send me another text message slightly different wording. I informed them again i would be filing a complaint and to leave me alone. 
On XX/XX/XXXX they sent me another text message. All communication has been done over text from the same phone number.
Product: Mortgage

Two previous mortgage payments ( XX/XX/XXXX and XX/XX/XXXX ) are being held in " unapplied amount '', and my statement is reflecting these as " past due ''. However, the unapplied funds exactly equals the past due amounts. I have contacted the servicing company (  LoanCare ) on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). Each time I was assured the payments would be applied, the second time the agent even spoke with a supervisor. Each payment was for the amount due ( no late charges are due or outstanding ), and no one could explain why my payments were not being applied.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

An hard inquiry was made on XXXX XX/XX/2019, from Equifax Mortgage Service that was listed from Miscellanies Reptg. Agencies. I was checking my XXXX XXXX  and I saw under the Equifax section I was hit for something I didnt approved of.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/ and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around XXXX XXXX last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.
Product: Debt collection

Hello, I spoke to XXXX from your law firm XX/XX/XXXX regarding my case and receiving a judgment issued on XX/XX/year> against me. I did not get a fair chance in court to argue my case which is : 1- I've been unemployed over a year now battled severe health issues 2- the only income I receive is $ XXXX monthly governmental aid, which legally you are not entitled to, nor can take 3- Ive reached out to this law firm multiple times explaining my circumstances and asked for the debt to be forgiven, with not reply regarding my circumstances as I CAN NOT PAY ANYTHING. 
I've spoken to XXXX XX/XX/XXXX & sent email correspondence, XXXX XX/XX/XXXX. Still no reply.
Product: Checking or savings account

Wells Fargo has been investigating the matter of unauthorized transactions that occurred between XX/XX/XXXX and XX/XX/XXXX. I had reported the issue to both the bank and the merchant involved. To ensure the security of my accounts, I had implemented two-factor authentication and had not engaged in any suspicious activity. However, my XXXX was stolen in XXXX on XX/XX/XXXX, which I suspect may have led to the unauthorized access of my accounts. Despite taking the necessary precautions, my email, credit cards, XXXX, XXXX, and XXXX  accounts, as well as my SMS verification, were compromised. 

Despite my efforts to secure my accounts, I was informed by the merchant that they would not be able to issue any compensation or refund for the unauthorized transactions. I have written proof of their assistance and their claim that I did not take sufficient steps to secure my account. However, I am deeply disappointed in Wells Fargo 's handling of the situation. Throughout their investigation, they did not keep me updated and I had to repeatedly call to obtain any information. Despite a full investigation, they simply denied my claim without offering any explanation or requesting additional evidence. In comparison, the merchant involved asked me more questions and showed more interest in resolving the matter. I was eager to find a resolution to this situation and seek a more professional and serious approach from all parties involved. But as stated with Wells Fargo it is closed and I cant do anything about it. So im putting this complaint in to show me disappointment. I have not received any emails or letters yet about my claim, just a phone call stating my claim is denied and closed. I had another CFPB complaint a few days ago where a wells fargo executive called me. She was helpful and nice and im hoping maybe she can have a XXXX  look at my claim. Wells Fargo requested i work with the merchant but as you can see they arent helpful. They claim I was neglectful on securing my account but I had every security measure in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 2 ) late payments, i wish for these late payment be removed from my report immediately!
Product: Credit reporting or other personal consumer reports

Experian has continuously reported wrong accounts in my credit report. Someone stole my identity to open a BOA credit card account. I have reported identity theft. I have checked with XXXX and they confirmed I dont have any account with them under my name or SSN but Experian has been keeping reporting XXXX  account in my credit report and this inaccuracy has hugely impacted my credit score. Based on U.S. code 1681, credit agency fails in providing accuracy and fair credit reports. I want to file a complaint against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit report. I then pulled my credit report for myself and I notice unknown, suspicious accounts. Please remove these fraudulent accounts as soon as possible. 

US DEPT OF EDUCATION XXXX {$27000.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

This debt has already been settled in court it was also sold to a third party so I don't owe them anything, discover bank keep reporting the debt to the credit bureaus and it keeping my credit score down, I have prof from the court that the debt has been discontinued.
Product: Credit reporting

Have been going back and forth with Equifax for many months ... still have requests about removal of items ... Equifax keeps changing the date of report on items that I am trying to get removed. Equifax states " positive items '' stay on report for 10 years from date of report ''. This is wrong. Every time Equifax sends me an updated report that changes the time frame of removing an item from my credit report. 

QUESTION : HOW LONG DOES A NEGATIVE ITEM REMAIN ON MY CREDIT REPORT-AND FROM WHAT DATE " DATE OPENED '' OR " DATE OF LAST ACTIVITY '' QUESTION : HOW LONG DOES A POSITIVE ITEM REMAIN ON MY CREDIT REPORT AND FROM WHAT DATE- '' DATE OPENED '' OR DATE OF LAST ACTIVITY '' MY UNDERSTANDING IS THAT NEGATIVE ITEMS WILL BE REMOVED ( OR CHANGED TO A POSITIVE STATUS '' 7 YEARS FROM DATE OPENED. 
*XXXX-Date Opened XX/XX/XXXX-over 7 years old-this should go to a positive status now. CORRECT ASAP. 
For the 4th time, I am requesting the items be removed : *XXXX : I NEVER USED THIS ACCOUNT. CREDIT CARD WAS APPROVED, BUT I DID NOT WANT THIS CREDIT CARD. DATE OPENED XX/XX/XXXX-OLD REMOVE-OVER XXXX YEARS OLD. 
*XXXX-REMOVE-OLD ACCOUNT OPENED XX/XX/XXXX-10 YEARS OLD REMOVE EQUIFAX STATES ITEMS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROMTHE REPORT DATE. YET THE REPORT DATES CHANGE TO WHEN THEY SEND ME ANOTHER UPDATED REPORT. THESE ITEMS NEED TO BE REMOVED NOW AS THE DATE OF REPORT EQUIFAX SENDS KEEP CHANGING - AND THEN ITEMS KEEP STAYING ON MY CREDIT REPORT LONGER THAN NECESSARY. 
remove these items now.
Product: Prepaid card

I bought a XXXX XXXX XXXX card for {$500.00} on or around XX/XX/year>. It worked for a little bit but then stopped working with {$290.00} left on it. I asked for a replacement card, but the company refuses to activate the replacement card. It doesn't work. I am out {$290.00}.
Product: Debt collection

Several months ago, I was deluged with phone calls from a company called XXXX as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified XXXX  as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from XXXX  representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.
Product: Credit card or prepaid card

I have a XXXXl MC card that accumulates points with purchase. I can not LINK my credit card to the online XXXX wallet that allows use of credit points like money. I have repeatedly called ( at least 10 times ) the credit card XXXX # to get this problem fixed. I always get the same answer : they can not do it, they have to submit a request to get this fixed -- wait 3-5 days -- and ABSOLUTELY NOTHING HAPPENS. 
Customer service on phone always nice people and polite, but the request never happens. Nothing is done. I have waited at least 6 weeks. NADA. 
I believe they are deliberately ignoring the request so I can not access my credit points and my points expire every month, because guess what, I can't access my points online. I get an error message every time I do this online. 
This is FRAUD on a slow walk. 
I absolutely hate XXXX but so many small business people use XXXX because you don't have to obtain a CC # to use. 
Since Synchrony Bank took over, all this problem began.
Product: Credit card or prepaid card

I contacted Citi Bank in XXXX of XXXX  to inform them that this account was fraudulent and that they were violating me as a consumer to report such information to consumer reporting agencies. I noticed that they decided to close this account because I reported it was as fraudulent but on my credit report it states its charged off. It's fraudulent why would I give them permission to report such fraudulent information on my credit report when I have not given a signed document for this account. Please stop reporting such information on all CRA 's. Where is the 1099c so I can give it to the IRS as so as possible.
Product: Checking or savings account

Notified BankMobile on XXXX that my information was used fraudulently to open bank accounts. Submitted notarized forms they required and they advised all accounts were frozen. Never heard back about finalized results, as of XX/XX/20 received another alert through my credit reporting agency that ANOTHER account was opened under them using my SSN. 

I haven't received any confirmation on steps they have taken to prevent these fraud accounts from opening. I have filed XXXX and FTC reports XXXX Even the fraud school has acknowledged and blocked all my information from being used. 

I've tried calling them but hold times are insanely long to the point I can't get a hold of their fraud dept anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
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 proving any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) Against them for similar violations. I Request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have already filed one complaint regarding an inability to access my account to verify payments. 
The vendor -- Sallie Mae -- responded with a letter stating they received my last payment, but the balance due is incorrect and they refuse to allow me to verify payments and balance due. 
The balance was {$26000.00} in XX/XX/2021 according to their website. Sallie Mae is now stating the balance to be nearly {$30000.00}. 
The stated balance is incorrect, and their refusal to grant me access to the entire account is problematic. 

In addition to Sallie Mae refusing to give me a complete accounting, they have responded to me with a letter they placed under my account on their website -- Which I can not access. 
I responded to the notification of the letter placed in my account, and I received a bounceback response the mailbox is not monitored. 

Sallie Mae did send me a letter stating they received a payment in question, but again, they do not give me any accounting details to authenticate the balance they state is due. The balance does not agree with the records I have. I believe they have added illegal additional interest and fees, but without an accounting by Sallie Mae, I can not verify the purported balance due. 

Sallie Mae is intentionally denying me the ability to verify their accounting and their accounting appears to be incorrect or blatently false.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681- ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit increase at XXXX XXXX was denied increase because Transunion has my credit score wrong and not updated. My score reported correctly would have increased credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian the dispute center been down for months I am not able to dispute anything
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) sue to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Debt collection

Midline credit management has 2 accounts that they bought. One from XXXXXXXX XXXX from {$1000.00} and another from XXXX XXXX for over {$1600.00}. I took care of both. The XXXX XXXX one was totally taken off my credit and was not reporting by anyone. Then more than 6 months later the account was posted as a collections. I dont know how you can put a collections on a credit report thats not reporting on a credit report. The other account was reporting at {$0.00} balance was before they bought the account. So I dont know how they can tell me that they will soon add that one as well to my collections.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my ONLY ADDRESS to : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX My only name is : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, this is my SIXTH TIME sending in this letter as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX I sent a dispute on XX/XX/XXXX certified mail and this information was not properly updated. i have attached document as proof
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, pursuant to section 605B, you must remove the fraudulent accounts and inquires reporting to my account. I'm suffering from punitive damages. I went directly to the company and was provided no relief.
Product: Debt collection

American First Finance took {$100.00} out of my account without authorization, or without a notice of charges being taken out. The money was also taken out past business hours so I was unable to call on XX/XX/XXXX. When I called on XX/XX/XXXX and tried getting the issue resolved they said they had no supervisors on duty as it was Sunday so they all take the day off, I would have to call back tomorrow morning. This needs to be resolved and doesnt seem like a legit operation if there are no supervisors present.
Product: Mortgage

We have had a very difficult time with PHH to have our short sale reviewed. Our agent has submitted the short sale 3 times and after 30 days PHH has still not placed the short sale in review.

The first excuse was they had to review for a loan modification. PHH took 30 days and they approved us for a Owner occupied loan modification. They problem with that is we moved out 6 months ago, and the property is vacant. This was told to PHH 10 times but they did not seem to under stand. Approving a home owner for a un occupied property with no proof of income seem like mortgage fraud. And it continues.

Now after 30 days of removing the loan modification PHH can not give us an answer to why they simply can not move the file to the short sale department and being the process.