23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XX/XX/2021 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX TO : Inspector General Dear Sir : This letter is to inform your office that over the last 5 years Bank of American has failed to address our concerns in writing therefore, we are asking for an investigation over our new allegations ( theft of funds ). 
Bank of America refuses to help us refinance our home after we owed less than {$40000.00} XXXX dollars on our home loan. Due to covi-19 we lost part of wages and now were heavily in debt to our creditors. We have had a history with Bank of America for over 29 years. WE have never missed our mortgage note. I have worked at the same job for over 29 years. But Bank of America has no heart in helping people near are around the XXXX. XXXX XXXX with certain zip codes. 
After find a lender to pay off our mortgage with Bank of America there was an over payment. We are requesting that you investigate whey Bank of America refuses to give us back the money in our escrow account since they are no longer the lender. Also it was an over payment to them for the pay off on the house as well. 
Bank of America will not give us our refund back therefore, we need your office to investigate whey this Bank thinks they can steal our money. 
-New Lender XXXX XXXX pay off -- -- -- -- -- XX/XX/2021 Over payment -- -- -- -- -- -- -- -- -- - Escrow account {$1100.00} Pay-off to Bank of America by XXXX XXXX  -- - {$40000.00} We owed Bank of America about {$38000.00} ( account number XXXX ) So, we want our refund from Bank of America now. 
Thank you Sincerely yours XXXX XXXX XXXX XXXX :
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. XXXX company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was obtained by XXXX & XXXX XXXX ; sBRC from XXXX. Again on XXXX XXXX my credit was obtained by XXXX XXXX XXXX from XXXX and Transunion. Also on XXXX XXXX XXXX XXXX ( XXXX XXXX ) obtained a copy of my credit report from Transunion. I have NEVER authorized either XXXX of these companies to obtain a copy of my credit report. Infact, there was a credit freeze in place on all XXXX of my credit reports at the times of all credit inquiries so I don't know how they were able to obtain it. I've reached out to XXXX & Transunion numerous of times and each time they say that credit inquiries are factual data and therefore will remain on my report. I'm here to say this indeed is NOT factual data because I NEVER authorized neither of these companies to check my credit from either of the credit reporting Bureaus. 
I'm asking the CFPB to look into this and have both XXXX and Transunion remove all of these unauthorized credit inquiries from my rcredit report as it is hindering me from obtaining future credit. 

Thanks, XXXX
Product: Debt collection

XXXX XXXX XXXX, years ago, claimed the credit card they issued me had been used ( despite my never having used it nor giving any of the credit-card account data to anybody ). I paid the debt of {$800.00} dollars, but was so busy I put the issue on a back burner. I am currently reviewing my past financial and legal issues, and found out that Providian had been purchased by a bank that had issues with consumers and the federal government ( up to and including litigation ). Is there any way I can recollect that payment? I still have the credit card. -- My full name has always been ' XXXX XXXX XXXX, ', and lived in XXXX XXXX, at the time of that event. My date of birth is : XX/XX/XXXX, and final four Social Security digits are : -XXXX ; my Place of Birth is : XXXX XXXX ; ( XXXX ) XXXX & XXXX XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX   up to date with everything. They told me that they would remove these late payments but they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received my free credit report and score. have not received no report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint and they ignore me and they think they are above the law. XXXX XXXX Has violated my rights the truth in lending Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : XXXX. The statute gives the consumer the right to dispute the claims XXXX. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$4400.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$4400.00}? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it. 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you TransUion responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you TransUion responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( block, inc. ) due to inadequate customer service and it's unfair practices, which violates 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 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

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit file, as they were established without my knowledge or consent due to a recent data breach. This request is made in accordance with 15 U.S.C. 1681c-2 ( a ) and Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am working with my servicer to get a loan modification. I fill out the forms that they require and send them to the address listed on the form. I send the documents priority mail with tracking from the post office to ensure receipt. 

I follow up with a phone call and get told that they do n't have them. Then I receive the documents returned as undeliverable with a forwarding stamp which is expired. 

The documents clearly state send to " Seterus Inc. XXXX XXXX XXXX, XXXX XXXX, MI XXXX '' I have included a screen shot dated and time stamped Wed XXXX XXXX, XXXX. The Seterus Rep said, " Oh we have n't used that address for months. '' as if I was a nincompoop for using this. And when I pointed out that this was the information that was currently on their website she seemed completely unconcerned with the misinformation and the potential consequences. and, of course, " Well your loan documents are now expired you have to start over. ''
Product: Debt collection

the company is upgrade. i called to make payment on my account the manager said it had been charged off.
Product: Debt collection

I am writing to formally dispute and express my deep concern regarding the inaccurate and misleading information present on my credit report, which is adversely affecting my financial stability and reputation. I pulled my credit report and seen inaccurate information reporting by RentRecovery Solutions stating I owe the amount {$2900.00}. This company has been false reporting that I have missed payments when I was never informed about this account to begin with. I never received notice about this account and amount owed. I have called this company so many times and left voicemails and have not received any response from them. I have sent an inquiry on their website to contact me by email and received no response. Ive disputed this information countless times through all XXXX credit bureaus and every time I have not received anything verifying this debt belongs to me and this has affected my life more than I can put into words. I requested documentation showing the purchase agreement of this debt, and the validation of the debt and explaining amount owed. Per the credit reporting agencys it states this account has been open since XX/XX/year>. I have not received a a single written or electronic notice of this account from the company Rent Recovery Solutions. I sincerely appreciate your help with getting this matter resolved per the FDCPA I hope to expect a response within 30 days or less. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/2023, but no answer was received. These accounts must be validated XXXX XXXX  XXXX Balance : {$16.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$44.00}
Product: Checking or savings account

Wells Fargo claim XXXX I was provided a credit for this dispute numerous times, which each time it being reversed for no apparent reason. Each time, I provided the requested information by Wells Fargo, and soon after each time they would reverse the credit with some new reason for the reversal, stating I could provide ____ to reverse the credit and reopen the claim. I believe this was by Wells Fargo to string this claim out to 120 days, with their reason being it's past the claim deadline ( to process a claim ). 

This is beyond ridiculous. There is no other reason Wells Fargo would do this besides stringing me along so that they can deny the claim under the aforementioned reason.
Product: Checking or savings account

Multiple fraudenlent charges totaling more than {$13000.00} were paid by Bank of America to XXXX from my checking account. I have repeatedly tried to get bank of America to reverse the charges since XXXX. No progress has been made. I am repeatedly asked to fillout form after form and have been inundated with correspondence.
Product: Credit card or prepaid card

I have been a Citi credit card custome since XXXX. I don't use this card often, but it had been attached to my XXXX account. 

On XX/XX/XXXX, I attempted to purchase a pizza with XXXX in XXXX XXXX. I immediately got a warning text from Citi to my cell phone that the transaction was declined and to try again. I did not try again with the same establishment. I did not try again, and ordered another pizza from a different restaurant, again using XXXX Eats. 

I ended up getting XXXX orders delivered because CITI apparently had not declined the transaction ( even though they had communicated that that was the case, so I BELIEVED THEM ). 

It has been utter XXXX dealing with CITI customer care in explaining the situation. The first set up CC people on their mobile chat app did not even understand how a charge in EUROS would be translated into USD for an American customer, and I was accused of talking about XXXX different transactions because of the confustion/incompetence of the CC people at CITI. 

I tried to work it out with XXXX, but from their standpoint, the transaction went through. 

I have texted with CITI and called. I decided to dispute the charge with CITI and I have received a conditional credit, but it should really be an issue with CITI 's systems messing up things for me and XXXX. I called several times and texted CITI and have gotten some people there to promise me that a goodwill credit will be applied to my account, and the dispute process dropped. This has not happened, and when I attempt to inquire about it to a new CC person, they often don't understand anything and I have to where to turn. 

Meantime, I decided to switch my card to my XXXX credit card. Well, when I was trying to book an XXXX Ride on XX/XX/XXXX from my home in XXXX, TX to the airport, XXXX wouldn't let me use their service until I paid for the PIZZA AGAIN. XXXX EURO. I needed to get to the airport, so I paid it. I now have a dispute process with XXXX, because I found out from XXXX that from their perspective the chargeback I have with CITI puts my account in arrears. 

I just can't win. I didn't order XXXX sets of pizzas, ever. CITI told me that my transaction was declined. It wasn't. Just give me the goodwill credit as promised and drop the dispute process since it was ALL CITI 'S error in the first place.
Product: Mortgage

Earlier this year, my mortgage was sold to Selene Finance. I was in the middle of modifying my loan with XXXX. When Selene took over my loan, I was told that they would honor what XXXX was in the middle of working on. This turned out not to be true. In XXXX, I submitted a new mortgage assistance application with Selene. This was application XXXX. In my application, I said my hardship wouldnt end by the end of XXXX or early XXXX. They offered to restart my payments in XXXX and backdated it to XX/XX/XXXX. This wasn't feasible, so they had me submit a second application with a letter stating why I was submitting a second application. I listened and did this too. After the second application was turned in, they stated that it had gotten lost in my file and disregarded because no one opened it and it looked like a duplicate. At this point, I received a foreclosure letter. They told me not to worry about it and to submit a 3rd application. I did so. This whole time, I had been calling weekly and had been told a different story every time as to why my application was not being processed. Here we are today. I called and asked for another update as I can not lose my house and am trying everything to get an assistance application approved and figure out manageable payments moving forward. I was just told my third application was not the correct one and the agent who emailed me this form sent me the wrong one. Because of this I now have a foreclosure date. I was told to hurry up and submit a new FOURTH application in hopes of not being foreclosed on. If my original application was read in full and the details were seen, I would not be in active foreclosure. I do not feel listened to. Most of the agents I talk to at Selene are rude and act extremely annoyed when I ask questions about how to move forward and avoid foreclosure. The only answer I have been receiving is " Just submit another application ''. So, I've been working with XXXX XXXX XXXX since XXXX as well, and they suggested I reach out and file a formal complaint as these things should not be happening.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX '' on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Account Balance and Past Due Amount Discrepancy The account reports a balance of {$850.00} while also reflecting a past due amount of {$170.00}. These inconsistencies violate 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The account reflects a payment status of " 90-119 days late '' and " 120+ days late '' despite being closed. Reporting late payments after account closure can be misleading and negatively impacts my credit score. 
Remarks Indicating Dispute Resolved by Grantor The remarks state " Dispute resolved reported by grantor, '' which implies previous dispute activity, yet errors remain. This indicates a failure to properly investigate under 15 U.S.C. 1681i ( a ).

Unverified Account Closure by Creditor The report states the " Account closed by credit grantor, '' but there is no proof that this closure was initiated by the creditor rather than voluntarily by me.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my most recent credit report from XXXX and noticed some accounts that are on my consumer credit report that I didn't recognize but had several violations according to the FCRA. One being the account with FLEX PATH CAPITAL ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are in direct violation of 15 U.S.C. 1681s-2 ( b ) and U.S.C. 1681e ( b ) of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires credit reporting agencies and furnishers of information to maintain complete accuracy in consumer reporting. i will attach the inaccuracies of both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Visa Card issued by Zions National B ank 30 day late payment has been noted on my credit report.     My law firm has  XXXX  times contested this negative mark on my credit report.      Zions National Ban k refuses to remove it from my credit report.      Visa    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   2001  The statute of limitations has passed.     Please remove this 30 day late notice from my credit report.     Thanks in advance.      XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian as well as the other two agencies and the only one not complying is Experian. I took it upon myself and sent them proof as well as the creditor this DOES NOT BELONG TO ME and after working on this issue for the past 3 months this inaccurate remark for a whole lot of money is still listed on my personal credit file prohibiting me from making a financial move I need. What else do I need to do. CFPB please help me. I have proof I requested along with the creditor, and have Experian response stating they investigated which is false as they did not. 

The remark is XXXX XXXX XXXX REMOVE
Product: Credit reporting or other personal consumer reports

Identity theft I need all these inquiries removed or you pay it in violation of section 15 U.S. Code 1692g - Validation of debts