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

Attempted to withdraw funds from CD from mothers estate, bank refused to release funds for 3 to 5 days until legal could review documents which were scanned into their system. Placed complaint to corporate. As complaint was being placed, received call from branch manager, funds were now available. It is exasperating that we provided all of the proper documentation and this is the only bank of 10 that we have visited to close my mothers estate that refused to release funds from CDs, which she had invested with them, advising us that they would have to wait 3 to 5 days for a legal review. After complaining to corporate, received call from branch advising check was ready to pick up.
Product: Credit reporting, credit repair services, or other personal consumer reports

When accessing XXXX portal I discovered that the information ( personal and credit accounts ) were completely inaccurate. It appears that my consumer report has merged or been mistaken for someone with a similar name as me. The SSN listed on the report was NOT my SSN and the credit report revealed accounts that have never been associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been endangered.I was looking over my records once more and I discovered a lot of items that not belong to me. I'm really particular about research, thus, I found that under section 605b of the FCRACredit Bureaus are required by law to remove any items which is found to be opened due to identity theft.. Im attaching the required FTC Report with FTC report # s XXXX & XXXX and other documents that proof of my identity and current address. Please block these following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX XXXX XXXX Balance {$3200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires credit Bureaus to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If theres no records provided & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX XXXX : Formal Complaint Against Equifax for FCRA Violations and Failure to Address Dispute Regarding XXXX XXXX XXXX XXXXXXXX. Account Ending in XXXX Dear Sir/Madam, I am writing to file a formal complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX. account ( account ending in XXXX ). This erroneous reporting has negatively affected my ability to secure a mortgage, and Equifax has failed to resolve the matter despite multiple disputes filed by me Violations of the FCRA by Equifax : Failure to Conduct a Reasonable Investigation ( 611 ) : Equifax has not conducted an adequate investigation into my disputes. 
Failure to Correct or Delete Inaccurate Information ( 611 ( a ) ( 5 ) ) : The inaccurate information on the XXXX XXXXXXXX account remains on my credit report despite evidence provided. 
Failure to Provide Dispute Results ( 611 ( a ) ( 6 ) ) : Equifax has not communicated the results of their investigation within the required 30-day timeframe. 
Unreasonable Documentation Requests ( 611 ( a ) ( 1 ) ) : Equifax has repeatedly requested identification documents unnecessarily, delaying the resolution process. 
Requested Resolution : Conduct a proper and thorough investigation into the disputed XXXX XXXX XXXX, XXXX. account ending in XXXX. 
Remove this inaccurate account frommy credit report immediately. 
Provide me with written confirmation of the resolution and an updated credit report. 
Impact on Me : Equifax 's failure to address this dispute has delayed my ability to secure a mortgage, caused financial harm, and resulted in significant emotional distress. 
I respectfully request your agencys intervention to enforce compliance with the FCRA and hold Equifax accountable for these ongoing violations. Please feel free to contact me at XXXX for any additional information or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, CFPB IVE HAD ENOUGH IM CONTACTING MY ATTORNEY, ATTONEY GENERALS OFFICE AND GON NA LITIGATION WITH THE COURTS.
Product: Credit reporting or other personal consumer reports

I recently disputed my bankruptcy with Equifax and they said that it come back verified. The letter they sent saying it was verified had inaccurate information They have the court listed as XXXX XXXX unknown. This is inaccurate. They also had the filing date as XX/XX/year> This date is inaccurate what dated was the bankruptcy filed this inaccurate. If this was verified they should have the correct dates It is the credit bureau job to report complete and accurate information I have attached the letter from Equifax as my proof. I also attached my Id and social as my proof of Identity. I also asked that Equifax send me documents they use to verify this information with in a time which is allow by the law and also will like for Equifax to send me a updated credit report
Product: Credit reporting or other personal consumer reports

Im have a particular difficult time with Experian credit reporting agency. There are a few items that have been reported to all three agencies and deleted by all except Experian. Experian is not following laws and /or doing investigations into these disputes. Example : XXXX XXXX was a pre paid debit card that should have never been reported because it was pre paid.. Ive spoken to numerous agents about the issue and nothing is being resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 an account without my instructions.

15 U.S.C 166b A Creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Mortgage

XXXX XXXX XXXX applied for a mortgage in XX/XX/XXXX with American Financial Network. XXXX XXXX a entrepreneur had to amend his tax return after it was discovered that the previous tax preparer took more unwanted deductions that he desired. XXXX XXXX was instructed to amend the returns by XXXX. XXXX waited months on end for the IRS to receive the documents and initiate the process of amending the returns. In XX/XX/XXXX XXXX received his pre-approval letter and starting the process of searching for a home with his realtor. 
After months of searching with his pre-approval in tow he secured a contract on a property. XXXX found a property that was half of the pre approved amount. XXXX went through the entire process and did and paid everything that he was instructed to do by the mortgage lender XXXX. Inspections, appraisals, earnest money, which alone was nearing 8k or more. 
XXXX XXXX only went through the process because lender gave the pre-approval. Then the amended tax return was received by the IRS but not processed and the transaction stalled. XXXX was told by XXXX that if he could get something showing the that the IRS had received the return we could move forward. The IRS could not per their internal rules and regs send anything in writing but we obtained and audio with the IRS agents id number, name and they stated that XXXX XXXX XXXX XXXX tax returns were received but had not been processed due to the global pandemic. Once the condition was satisfied they still didn't move forward but came back with another condition. Now we were told that this file went up to the highest underwriters within the company and they were they ones who said this condition would be satisfied with evidence of the return being received. Nothing, no traction. Then guess the tax return gets processed and that was the one thing that we had been waiting on and when that happens still no traction. The mental anguish, and financial burden this puts on a person is very taxing. Most of all XXXX XXXX was trying to provide a home for his XXXX minor children but since he was not able to receive the financing he wants to be reimbursed the money that was tied to this property based on the pre-approval and underwriting process which he feels he met every condition and leaped over every hurdle. This is not a practice that a mortgage lender should engage in because it may look like a individual is being singled because he met every requirement that was asked of him,
Product: Mortgage

TO WHOM IT MAY CONCERN : I AM WRITING THIS LETTER OUT OF DESPERATION. I HAVE BEEN TRYING TO ACQUIRE A LETTER FROM SHELLPOINT MORTGAGE STATING THAT I WAS REPORTED 90 DAYS ' LATE IN ERROR DUE TO THE FACT MY LOAN WAS SOLD WITHOUT MY KNOWLEDGE AND DUE TO THE FACT THAT SHELLPOINT 'S WELCOME PACKET WAS SENT TO MY OLD ADDRESS THAT I HADN'T LIVED AT FOR TWO AND HALF YEARS ; THEREFORE I HAD NO WAY OF KNOWING AND CONTINUED TO PAY MY OLD MORTGAGE COMPANY, XXXX. I WAS SET UP ON AUTO-PAY. SHELLPOINT REPORTED ME 90 DAYS ' LATE. I RECEIVED NO PHONECALL, NO LETTER UNTIL 90 DAYS HAD PASSED. 
MOVING FAST-FORWARD, I WAS ABLE TO CLEAR MY CREDIT UP WITH XXXX  AND SHELLPOINT ; AND MY CREDIT EVENTUALLY WAS RESTORED. CURRENTLY I AM APPLYING FOR A NEW LOAN ON A NEW PROPERTY ; AND THE NEW LENDER NEEDS A LETTER FROM SHELLPOINT BASICALLY STATING, THROUGH NO FAULT OF MINE, DID I STOP MAKING MY PAYMENTS. I JUST WASN'T AWARE MY LOAN HAD BEEN SOLD BACK ON XX/XX/19. 
I HAVE CALLED SHELLPOINT EVERY DAY FOR FOUR WEEKS SEEKING THIS SIMPLE LETTER, AND IT JUST GOES IN CIRCLES. YOU CAN'T TALK TO A SUPERVISOR. I WAS HUNG UP ON MORE THAN ONCE. I GET 20 DIFFERENT ANSWERS. I HAVE SENT COUNTLESS EMAILS. ALL I NEED IS A SIMPLE TWO-SENTENCE LETTER STATING THE ERROR WAS NOT MINE. THIS IS ALL THE NEW LENDER HAS BEEN WAITING ON FOR A MONTH NOW. I WILL LOSE THIS LOAN IF I DON'T RECEIVE THIS LETTER FROM SHELLPOINT. 
I SENT A CERTIFIED LETTER LAST WEEK TO SHELLPOINT AS THERE IS NO PHONE NUMBER, ONLY EMAILS THAT CONTINUALLY GO UNANSWERED. THIS IS BY FAR THE WORST EXPERIENCE I HAVE EVER HAD WITH A MORTGAGE COMPANY. THERE IS NO POINT-OF-CONTACT WITH ONE PERSON. IT'S SUCH A SIMPLE REQUEST I AM MAKING THAT WOULD TAKE FIVE MINUTES TO TYPE UP ON THEIR PART AND NOTHING. 
I AM HOPING THAT YOU WILL BE ABLE TO HELP ME SO I CAN FINALLY MOVE ON AND FINALIZE THE NEW LOAN I AM SEEKING. IF YOU HAVE ANY QUESTIONS AT ALL, PLEASE DO NOT HESITATE TO CONTACT ME BY EMAIL OR BY CELL AT XXXX. 
THANK YOU IN ADVANCE FOR YOUR HELP. I AM AT MY WITS END WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$710.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

i can not apply for an auto loan or a home loan because of this on my credit report and it affecting me.
Product: Credit reporting

Experian will not re-investigate my disputes even after sending them new information. They continue to report items on my credit reports that are inaccurate and must be removed. These items has already been removed from XXXX and XXXX after sending each credit reporting agency the exact same information. This shows me that Experian did not do a full investigation and continue to report this inaacurate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Update my credit as current for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was current on all those months ; I provided with information in the past it's been almost 120 days with no resolution no actual proof of updating my account correctly instead you keep updating my account incorrectly. I need to update current as soon as possible you are hurting credit report. 
Lastly, I have missed months with no information at all - Missing payments as current for the following months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( the following payments have no payment history ) Due to your mismanagement of my information. 

As of today, you have not provided me with any proof that you are reporting accurate information on my credit report.
Product: Credit card or prepaid card

Walmart on 6 c onsecutive times sent damaged and poorly packaged products to my home. I filed a complaint with the BBB and got some help only to have it happen  XXXX  more times. I tried to pay off my account and the drop down box scrolled to  XXXX   XXXX   XXXX   XXXX  bank instead of  XXXX   XXXX   XXXX  which I had selected. A few days later I saw that  XXXX  returned the payment and charged me {$29.00}. I went back into m y WALMART  Credit Card and REMOVED the  XXXX   XXXX   XXXX  union from my payment options so that it would never happen again and payed with  XXXX   XXXX   XXXX . My account is payed off. Even though this is the first time it happened and I formally contacted both th e Walmart Executive Office and   Synchrony Bank the issuer of the credit of the credit card. Today I get a letter dated  XXXX / XXXX /  XXXX   that my payments were returned too many times? WHAT? Today I get a letter dated  XXXX / XXXX /  XXXX   in response to my formal complaint and explanation that everything is okay with my account. Today I go online and my account is closed for having too many payment returned. Say What?
Product: Debt collection

XX/XX/year>2025 mailed verification letter XX/XX/XXXX mailed out second letter for verification No replies
Product: Student loan

I took out a student loan with Corner stone loan, before they switched to fed loan servicing I had called to set up payments and they told me that there was no balance on my account. At the same time I took out a loan my mom took out a parent loan and her loan amount showed up. But my loan was gone, she said it didn't show any amount no trace or a loan. I talked to her and further on a manager because I figured it was weird that a loan would just disappear. I have finally got a hold of fed loan servicing after seeing the {$4000.00} loan recently on my XXXX XXXX. I asked the corner stone loan employees and managers multiple times, and they couldn't even tell me what happened but that there was no loan in my name. It also never showed me that I had a loan on my XXXX XXXX app till now, although I do know that anytime you have a loan it shows up. Now that I am communicating with fed loan servers, they do not know what is going on, and will not assist in anyway. I understand I took out the loan but corner stone loan company made a mistake on their behalf, and now they just want me to go back to paying it. When I called to try to pay it off before, but somehow there was no loan no nothing. I am sending this email because the fed loan server a manger whom I talked to said this is the only option I have left. Thank you
Product: Mortgage

Company Name : Amerihome My mortgage is currently in forbearance under the CARES act, since XXXX. 

This company calls my cell phone every day at various times, leaving messages that only request a call back. I called them once, waiting on hold for approximately 40 minutes, only to receive a lecture about my options once the forbearance expires ... options which, I might point out, are listed on the monthly mailings I get about it. 

I have been out of the country, roaming for two months at this point. I contacted the company via their web portal in a good faith effort to figure out what it is they want. I told them multiple times, via their web portal, that I am unable to call them due to the expense of making calls while roaming. They then informed me that they have removed my number from receiving automated calls. However, nobody at the company has actually answered my " what do you want '' questions and issues mostly just get closed, aside from the most recent " we removed your number from automated calls '' reply. I still do not know what they want, nor am I willing to spend $ XXXXminute to wait on hold with this company while I'm abroad. 

Yesterday, I received an email requesting that I update my contact information. I signed into their web portal to update it, and now the automated calls have started again. Based on past experience, I imagine that the voice messages will continue building up at various times during the day until I return to the US, open several tickets on their web portal asking what they want ( which they *never* answer ), or enter a bogus phone number into their system ( which I have just done in an effort to stop the calls ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX* 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.
Product: Credit card

I filed a dispute for a billing error that resulted from an overcharge on XX/XX/year> from the Merchant XXXX XXXX on my Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX , providing all required information per the FCBA, as well as the Visa Dispute Resolution Guide. Included was the final billing statement and contract showing amount due of {$490.00}. However, my card was charged {$1400.00}, resulting in an overcharge of {$910.00}. 

Navy FCU however, has repeatedly refused to properly open a case, despite being provided the contract and billing statement. They state they believe there has been no billing error, but fail/refuse to provide any reasoning or documentation as required to validate their response. They have simply refused to file the dispute with the merchant as required.
Product: Checking or savings account

Our XXXX accounts have been blocked by Citi and we no longer have access to it, nor can we withdraw funds. We have made repeated calls, and the customer service team either disconnects the phone, puts on lengthy hold, or tells us that someone will call me back. No one has contacted us back to resolve the issue and our funds and accounts are frozen. We want to retrieve our money and close all accounts with Citi and they are refusing and unable to help.
Product: Debt collection

I received a letter dated XX/XX/2022, allegedly from Cedars Business Services, a legitimate collections agency. The letter states that I am seriously past due on a debt of {$470.00} to XXXX. I do not have a credit account with XXXX. Anything I have purchased from them has been paid for with my personal XXXX. I checked my credit reports on XXXX, XXXX and XXXX and there are no collections on my record. The Pay by Phone number on the letter does not match the pay by phone number on Cedars Business Services website. 

Since I know this is a scam based on the information I have provided, I am not responding to this letter in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated that this account : " DISMSD/CLSD XXXX '' : Bankruptcy- was properly investigated, but how is that possible if the courts never reported to the XXXX as per document that is attached? The Credit Bureau 's did not have permission to document inaccurate and false information. This is ground for removals and they violated my rights. I tried to reach out to them via mail and still not response. The law states if it can not be proven, then it needs to be removed. XXXX demands these accounts to be deleted immediately or I will follow for litigations for stress and suffering its causing me. 


The law clearly states a consumer reporting agency can not furnish a account without my written permission. Please remove this account.
Product: Credit reporting or other personal consumer reports

You are the ONLY bureau reporting this account as " Current, was past due 30 days '' while XXXX and XXXX correctly report it as " Paid or paying as agreed. '' If that wasnt bad enough, your own payment history shows " OK '' every single month! How does that make any sense? How can an account be late when your own records prove otherwise? This isnt just an errorits negligence, and its damaging my credit for no reason. Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), you are legally required to ensure maximum possible accuracy. Instead, you are misreporting my account, creating unnecessary harm to my creditworthiness. Theyre also violating 15 USC 1681c-2 ( a ) by refusing to block inaccurate information even after I provided proof. Enough is enough. Im demanding that Experian correct the payment status to PAID AS AGREED immediately.