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

To Whom It May Concern PLEASE UNBLOCK XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX. PLEASE UNBLOCK SO THAT WHEN XXXXXXXX XXXX REPORTS MY INFO AGAIN, IT REPORTS ON MY CREDIT REPORT AGAIN. I NEVER ASKED FOR THIS ACCOUNT TO BE REMOVED. IT FIRST REPORTED IN XXXX BUT AFTER THAT WAS REMOVED WITHOUT MY KNOWLEDGE. PLEASE UNBLOCK. I HAVE TRIED TO FIX THIS ISSUE EARLY THIS YEAR AND WAS COMPLETELY IGNORED. I EVEN SENT A PHYSICAL LETTER BUT STILL IGNORED. PLEASE RE-INSERT XXXX XXXX XXXX  ACCOUNT XXXX. I NEVER ASKED THIS ACCOUNT TO BE REMOVED. XXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ). PLEASE RE-INSERT. CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXXXXXX XXXX XXXX CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) account : XXXX, PLEASE RE-INSERT/UNBLOCK. IT HAS NOT BEEN REPORTING ON MY EQUIFAX CREDIT REPORT FOR MONTH 'S. THIS IS DEFAMATION OF CHARACTER, AND EQUIFAX HAS COMPLETELY IGNORED MY RIGHTS. I DID NOT AUTHORIZE THIS ACCOUNT FOR XXXX XXXX XXXX  ACCOUNT XXXX TO BE REMOVE. PLEASE RE-INSERT. UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act Convergent. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXXXXXX XXXX  CREDIT CARD RE-INSERTION ( FOR EQUIFAX ) to current. 

PLEASE RE-INSERT MY ACCOUNT BELOW : PLEASE RE-SERT THIS ACCOUNT XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX PLEASE RE-SERT THIS ACCOUNT BACK ON MY CREDIT REPORT. 




Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, I discovered that my accounts had been compromised in a security breach. Understandably, this was a distressing revelation, and I took immediate action by contacting Eastern Bank and filing a police report. 

Despite these efforts, I found the resolution to be less than satisfactory. While an investigation was launched, the compensation provided for the stolen funds was only partial, leaving me facing significant financial losses. This has added to the stress of the situation, particularly as I feel unjustly blamed for the breach. 

The decision to close my account and sever our relationship as a customer was unjust and has left me feeling further disheartened. Additionally, I wish to address the denied claim of {$6000.00}, which was not given further consideration by the bank. This dismissal fails to acknowledge the impact of the breach on my financial security and overall well-being. 

I am respectfully requesting full reimbursement for the stolen funds, including the previously denied claim. Furthermore, I urge Eastern Bank to reevaluate its security measures and customer support protocols to prevent similar incidents in the future. 

I trust in Eastern Bank 's commitment to its customers and hope that you will acknowledge the importance of rectifying this situation promptly. Your understanding and cooperation in resolving this matter would be greatly appreciated. 

Thank you for your attention to this concern, and I look forward to a prompt and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXXXXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/2023 I made a XXXX payment to an employee for {$100.00}. It did not immediately go through to him like usual. Instead i received a notice that it was pending review. After a few hours I called the bank to see what the issue was. i was told it would be released by midnight. I was also told I could not speak to a supervisor because she could not reach one in the XXXX minute timeframe and hung up on. It was not released at midnight. It has now been XXXX days with no response. I went into the Bank of America branch and was told to call the customer service line because they could not help. I have been on hold with them for an hour with them telling me to just wait. I demanded to speak to a supervisor and after an hour i was transferred and hung up on. I do not believe they can hold my money indefinitely and not send it to the recipient or return it to me when requested. They are denying me access to funds on deposit with no interest and or explanation. They have provided no timeframe and no one can assist me. I have also reached out to Bank of America on various social media platforms to no avail. I would like some assistance in having my money returned.
Product: Debt collection

Upon reviewing my recent credit report, I found multiple unauthorized accounts that were added without my consent.
Product: Mortgage

I have reached out to my loan servicer to tell them they need to make my tax payment by the end of the month. They said it is in procsses. I let them know that there is an economic cost if not and they are unable to provide any info. The servicer has the funds in an escrow account and the initial escrow analysis shows it paid in XXXX. Their servicing system does not show a pending payment online. Planet home XXXX XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due 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 platforms, 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 ( EFTC ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my fourth 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

On XX/XX/23, XXXX 's XXXX ( XXXX, Maryland location ) issued a {$25.00} charge for a daily guest pass to a XXXX credit card account ending in XXXX that is not, or no longer, being used by me. My member ID from another gym was fraudulently utilized as I am not a member of this XXXX 's XXXX location. ABCFinancial will attempt to collect payment. The billing XXXX at XXXX 's XXXX is not able to resolve this due to personal inaccessibility.
Product: Student loan

In XX/XX/2023, I attempted to create an account on Mohelas website in order to manage my federal student loans. I was getting errors saying the info I was providing was wrong. I tried to call their customer service and waited for hours to be transferred endlessly. After many conversations, the customer resolution department told me to send them an email with my info for it to be corrected within two weeks. I sent an email on XXXX. After 23 days, my account info is still wrong and I can not create an account. My loan payment is due soon and no one on the phone can help. I am on hold for hours and the call gets disconnected. Mohela is extremely irresponsible and poses security risks as they are clearly mixing up several peoples records. My social security number appears to them under a different name.
Product: Mortgage

Company : Midland Mortgage did the loan for my parents ( XXXX XXXX & XXXX XXXX house. My parents left the house to me. So I tried and tried to get my name on the loan ( assume the loan ). Midland mortgage unknown to my knowledge kept making me do application after application, but they had me doing a regular application like I was just trying to buy a house with terrible credit which I knew I had but that was not the case. I should have been given the application and lead to assume my mothers loan for her house that was almost paid for. Sad to say I know yet its life. I was in prison when my mother passed away so I came home to a total mess, family tore apart, house on the verge of foreclosure and they totally mislead me and took advantage of my lack of knowledge to swindle me out of my parents home. I even tried to file for bankruptcy but it would have taken everything I had into it which I also didnt know so I didnt file and they had me do another application which they made me fill out the same kind of application only to deny me for a new mortgage with a terrible credit score. They took my parents home that we lived in over XXXX. Please help me! Wish I knew of you all then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via mail and phone 4 times via phone and mail regarding these several unauthorized inquires on my credit report. I advised Equifax that I was a victim of identity theft and these multiple inquiries were not mines and not made by me. Equifax advised to send a FTC report, which I did but inaccurate inquires still remain on my report. I sent the fraud letter that I received from the Department of Justice, I sent multiple dispute letters, Ive called, Ive even filed two FTC reports, yet these unauthorized inquiries remain on my report. Both XXXX  and XXXX has removed these inquires from my report however Equifax wont. Are they above federal law? Do they just get to do what they want with consumer credit reports? THIS IS NOT FAIR THAT I HAVE TO BE PUNISHED FOR FRAUD.. FCRA SAYS ALL INACCURATE INFORMATION ESPECIALLY FRAUD MUST BE REMOVED.
Product: Mortgage

I was approved for a TPP Loan Modification plan on XX/XX/2020. It required that I make 3 TPP payments for XXXX, XXXX and XXXX of {$1900.00}. I made all 3 payments on time and have continued to make the payments due for XXXX, XXXX, and XXXX. I received and returned the executed and notarized Final Loan Modification to the lender and confirmed its reception with the lender. 

However, i received a notice shortly afterwards that the Final Loan Modification was denied due to my ex-wife not signing the document. I was not informed that she had to sign the document since i previously submitted the Marital Settlement Agreement and the Quit Claim Deed to the lender, when I initially submitted the Loan Modification package, and the lender acknowledged that i held the only interest in the property. 

Due to this, the TPP agreement only required my signature and my ex-wifes name was removed from the loan correspondences i received. In addition, only my information was provided for the Loan Modification review. I appealed the result and they stated that they did not have to inform me if there was an issue with the documents and that the QCD should have been submitted with the Final LM documents, even though they confirmed that they already had the QCD and the martial settlement agreement under my file prior to me receiving the Final LM agreement.

As with the TPP Agreement, i was informed by the lender that my ex-wife should not have been required to sign the documents since i was awarded the property in the divorce and title was transferred to me only. As is stated in the correction documents, the lender had the requirement to let me know if there was an error with the LM documents so they could be corrected. By not finalizing the LM there has been a breach of the contract terms and requirements by the lender.
Product: Credit card or prepaid card

On XX/XX/21 I placed order XXXX on www.HomeDepot.com totaling {$6000.00} of kitchen cabinetry including delivery using the Home Depot ( HD ) credit card. On XX/XX/21 I contacted HD Customer Service to inform them that all but 3 items had been delivered, and to inquire on the delivery of the 3 missing items. They stated that their 3rd party delivery service reported all items as delivered and told me to file a dispute with HD Credit for a refund. On XX/XX/21 I called HD Credit Services to file a dispute on the missing items totaling {$300.00} and at that time informed them that the items in question had not been received. On XX/XX/21 the HD Credit sent me a letter offering me an opportunity to provide additional information regarding the dispute. I had no additional information to provide as I had already informed them that the items had not been received. On XX/XX/21 the HD Credit sent me a letter stating they would not issue a refund. I just want my refund of {$300.00}.
Product: Debt collection

ERC added a collection account to all three credit bureaus for XXXX XXXX XXXX for {$110.00}. I called and explained that this debt wasn't mine as I have perfect credit and have never had a collection. They said if I paid the debt, they'd delete it from all three credit bureaus. I figured I'd just pay the {$110.00}, even though the debt wasn't mine, just to have it removed. ERC removed it from XXXX and XXXX but refused to remove it from XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX on XX/XX/2023 regarding a credit card account that was mistakenly added to my credit report. After their investigation, on XX/XX/2023, they retained the card account, which I do not recognize, with the claim that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Now, the financial behavior associated with this credit account, which belongs to someone else, has significantly impacted my credit score in a negative manner.
Product: Mortgage

Beginning Monday, XX/XX/2020, I have attempted to contact my lender, XXXX, and the team ( copied ) numerous times via email, text message and phone to answer questions regarding my home loan. Each day, I have been told by various recipients that my questions and concerns need to be directed to my personal lender, as he should advise. Simultaneously, I am told by my lender himself that he is going to check with the team and get back to me, only to leave my calls and messages unreturned and questions unanswered. 

I have been trying to ask questions regarding compliance, policy, documents I have received and, most importantly, communication. I have asked multiple times why there has been a lack of transparency and honesty in regards to my loan in underwriting and as it nears closing. Once again, the team directs me to my lender, and my lender is not providing any explanation as far as the reason for any miscommunication. The lender also added additional charges to the initial closing disclosure, which have been question but he has not provided specific answers. 

Additionally, I have also been asking for a revised closing date for the last four days as my family and I have to make arrangements to attend. Initially, I gave a closing date of XX/XX/2020. Beginning XX/XX/2020, I began asking the lender and the loan coordinator if we are on schedule to close by the given date ; the lender has always told me that we are on schedule and should be closing. During the week of XX/XX/2020, I received communication via phone from the lenders assistant that we are definitely not closing on XX/XX/XXXX and the soonest would be Monday, XX/XX/2020. This was not communicated to me directly from the lender, who still said he had only hoped it would have closed on the original date. To my knowledge, my file was not sent to XXXX XXXX on Friday, XX/XX/2020 as the lender stated in the email below. The closer, XXXX, at the title company, has said to me that she has not received anything concrete from the lender and the team and will not schedule closing. 

To reiterate my concern, both the seller and the contacts at the title company both share the same sentiment : that XXXX and the team are not responsive to their calls and emails. I do not believe they are telling me this to get me worked up, as the lenders assistant said to me via text. Understandably, we are all trying to close on this deal ; however, this can only be done when there is communication between all parties involved. I, as the buyer, have the right to obtain feedback from all parties and have attempted to sort through the misconstrued information as best as possible. As the buyer, I also expect my lender to provide timely and truthful answers to my questions about my loan specifically and the buying process as a whole.
Product: Mortgage

During the time of misfortune I managed to get behind on my mortgage from XX/XX/XXXX-XX/XX/XXXX. My loan is with XXXX XXXX XXXX.

I was told by a rep by phone in XX/XX/XXXX that we could get up to 6 months removed for our credit that was reporting 30 days late during this time when or at the time we could cath our loan up to date. 

We managed to this and now they are saying that is nothing they can do and not sure why a rep for them said this and there is nothing they can do. If I knew this it would of helped manage and prepare for this time. We are in the process and selling and maybe buying again and this is holding us back.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a notification from XXXX that two Credit Report enquiries were made, one for XXXX Credit card and another for KOHLS/CAPONE Charge Cart ( Account Number : XXXX ). 
Since I didn't request those reports and those credit cards, I reached out to XXXX for further details. XXXX advised that someone used my information to apply for those two credit card. XXXX filed a dispute for me and removed those two credit enquiries from my credit report. 
Additionally I reached out to XXXX and CAPONE to check whether there were any credit card issued using my name. The companies identified the approved applications and cancelled 2 credit cards per my request. 
As of now I believe XXXX, XXXX and CapitalOne has cancelled all unauthorized credit inquiries and credit cards and added fraud alerts to my account. However I would like to report and identity theft to FTC for my protection per advice of XXXX.
Product: Credit reporting or other personal consumer reports

XXXX adjustment XXXX was open in my name in all XXXX credit reports exprian, XXXX, TransUnion in XX/XX/year> its a collection account balance is XXXX I never give my consent to open this account my information has been compromised due to identity theft would like this account removed asap please
Product: Credit reporting

I filed for a mortgage loan deferment with XXXX XXXX because I was recalled to Military XXXX. I have an approved mortgage deferment agreement and yet XXXX XXXX still reported me as delinquent from XXXX to XXXX 2015. Thus, this really hurt my credit score and unable to obtain a car loan. Herewith attached is the deferment agreement pertaining to my mortgage.