23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a Conventional Mortgage Loan with Bank of America, N.A. via XXXX ( ID XXXX ) on XX/XX/2019. Since that date, BOA has been extremely negligent in the processing of my application, which has resulted in me being under contract with a seller on a property for over three months. This negligence began with errors on the interest rate included on my initial application, which resulted in me having to complete multiple revisions to my application, ultimately delaying the process and causing me to request multiple extensions on the contract with the seller. 
Most recently, BOA was negligent in completing the appraisal of the property as ordered. My file cleared Rehab Escrow on XX/XX/2019, and a Subject To appraisal was ordered on XX/XX/2019. On XX/XX/2019, BOA uploaded an incorrect Subject To appraisal to my file which did not include the scope of work provided by XXXX between XX/XX/2019 and XX/XX/2019. Upon receiving the incorrect appraisal, the matter was escalated with BOA on XX/XX/2019. Since then, there have been repeated requests for updates ; however, no updates have been provided, no notes have been added to my file, and the corrected appraisal has not been completed and/or uploaded to my file. This has caused me to incur thousands of dollars in fees from the seller, as well as thousands of dollars in legal fees. BOA has also repeatedly accessed my credit report, as a condition of ordering the appraisals, which has negatively impacted my credit report and score. These repeated credit inquiries also caused BOA to report conditions on my loan application, which required me to submit to them a letter of explanation stating that there were repeated pulls, despite the pulls being initiated by them, again delaying the entire process. 
I have made multiple attempts to contact BOA to resolve this ordeal, to no avail. No one that I have spoken to at BOA was able to access and/or review my file. This whole process has been extremely unprofessional and unacceptable. It leads me to question how BOA is able to run a business and/or allowed to provide mortgages to XXXX consumers when they have failed me at so many steps through this process.
Product: Credit reporting or other personal consumer reports

The following accounts have been removed under the Debt Bondage Repair Act due to XXXX. Please follow suit and remove accounts as well so that my consumer reports are reporting accurate information across all 3 major consumer reports. Please see attachments for proof. My drivers license and water utility bill are included for proof of identification. 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
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfil its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to adequately notify consumers of disputing outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's in action violates federal law and my rights as a consumer.
Product: Credit card

I had a XXXX dollar bill on credit. I thought I paid it off and received a {$35.00} service charge. I paid the service charge but evidently it was a late payment so I was assessed another service charge. I thought I had the bill paid off. As of today I paid the {$110.00} dollars of service charges and late fees on my original {$2.00}. I tried to work with Home Depot Credit Services but they would not negotiate the fees. I canceled the card and have decided to never use Home Depot again.
Product: Debt collection

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is still reporting negative remarks on my credit report. I have contacted Santander, I have contacted XXXX. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. This information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
Product: Credit card or prepaid card

American Express solicited my business, asking me to apply for a new credit card in XXXX, XXXX ; Blue Cash Preferred * from American Express. The American Express solicitation identified a {$300.00} credit promotional offer if at least {$3000.00} is spent on the card in 6 months. I applied. American Express pulled a new credit report and opened a new banking account for the credit card. I spent {$3000.00} within 4 months. Called American Express support multiple times and they confirmed my eligibility for the {$300.00} statement credit. After 7 months and no {$300.00} promotional credit a called again. I was assured that I had satisfied the terms of the promotional offer on XX/XX/XXXX, but was told the 'back office ' pulled back the {$300.00} credit because they felt I was not a new customer. I have had American Express credit cards in the past, but not within the last 3 years. 

I feel that the promotional offer was not made in good faith. American Express benefited from my business over 7 months, reaping a high percentage from my purchases. I paid all balances on time. I feel that American Express fraudulently pulled a new Credit Report. If they feel that I am not a 'new customer ' why inquire about my credit? 

Lesson learned is that you can not trust American Express promotional offers.
Product: Credit card or prepaid card

I booked a flight via chase travel with XXXX XXXX XXXX, the flight was canceled the day of the flight by XXXX XXXX  on XX/XX/2023. 

After waiting 10 days I did not get a refund and had to call chase to request a refund they informed me it would take an additional 10 days. 

Its high deceptive to require customers to call to request refunds for products/services they failed to deliver. It is unacceptable for a consumer to have to wait 20+ days to get refund.
Product: Credit reporting

My report is showing XXXX names and addresses that are not me..I have never lived in those addresses
Product: Credit reporting or other personal consumer reports

the addresses on my credit report are not my addresses these addesses is not mailable # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX in XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX il XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by TransUnion. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within five business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that TransUnion : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law.

Provide written documentation of the reinsertion process and the verification steps taken.

Remove the reinserted account from my credit report if it can not be verified as accurate and complete.

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that TransUnion will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within five business days of the reinsertion.

Provide the consumer with the name, address, and phone number of the furnisher of the information.

Ensure that the information has been verified as accurate before it is reinserted.

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
Product: Credit reporting or other personal consumer reports

The 3 credit bureaus data were breached. Equifax, XXXX, and XXXX have continued to report false information on my credit report. 

The latest to have my information corrected was to no avail. They continue to report student loans that have been discharged, and hard inquiries that I didn't apply for. Credit cards I didn't spent.

The whole thing is a mess. Why do I have multiple addresses on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The Experian is the one reporting 2 inaccuracies on my credit report. 

First one is XXXX XXXX XXXX XXXXXXXX has " 18 POTENTIALLY NEGATIVE MONTHS '' on my credit profile even before and after appear on my credit report. I am sure that creditor has tax credit and resell same car to another customer to make more money which is more profits for them but this account should be deleted by long time ago and outdated account. They should delete the account or pay me $ XXXX a month every month till they remove this account. 

Another account is XXXX XXXX XXXXXXXX has " 1 POTENTIALLY NEGATIVE MONTH '' on closed account that why it should be deleted or updated to paid or they also pay me $ XXXX a month every month till they remove this according to Under federal law, I could sue them and ask for {$1000.00} in damages for both account ( XXXX ) which is $ XXXX a month or maybe more can be up to {$500000.00} in damages
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit, which has brought significant issues with the platform to light. Despite being a frequent user of Zelle and reporting transaction discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was impractical. The CFPB 's findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian a dispute letter on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they have failed to se nd ONE Response letter. FU RTHERMORE, they have stopped providing me reports on my credit monitoring. I ca n't even see my Experian report anymore after I disputed with them. Sounds like they are punishing me for disputing their incorrect information!
Product: Money transfer, virtual currency, or money service

Put simply, skrill stole my money. They told me that an XXXX charge I had made was not going to post because the account was closed, so I did not go to the rental because it was not paid for to my knowledge. 

Then the transaction DOES point and their XXXX call center denies any responsibility for giving me incorrect information. 

AND to make matters worse, nobody at paysafe group seems to know what happened to my XXXX account which has a fortune in XXXX in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL XXXX OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XX/XX/2019 Ive managed to purchase a XXXX player at XXXX & XXXX XXXX XXXX for the amount of {$480.00}. I didnt have a chance to examine the unit prior to checking out, and discovered the technical issue with the player only at home it wasnt reading files from microSD card properly. Ive vocalized this issue to XXXX & XXXX XXXX XXXX customer support over the phone and been informed that Ive could return the item back to XXXX & XXXX XXXX XXXX, following their return & refund policy. The item has been successfully returned back to XXXX & XXXX XXXX XXXX on XX/XX/2019 via XXXX Tracking XXXX. Couple days after the package has been received, I gave another call to XXXX & XXXX and been told if the package has been received, I should expect the refund issued in 3-5 business days. However, I havent found a refund been posted to my account. Please, consider supporting documents attached. I have retained a copy of this letter for my personal files
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has falsely reported a payment made in XX/XX/XXXX in an effort to renew the account status. This is a gross violation of federal law. This gross violation also occurred by reporting an alleged payment on XX/XX/XXXX. No such payments were made as evident by XXXX reporting those payments amounts as {$0.00} for those dates. 

As XXXX is intentionally violating federal law in order to renew the account status by fraud, I demand the account be removed permanently from my credit report. 

If XXXX wants to continue to claim a payment was made on the account, I demand they provide proof of the payment, including an original receipt showing the date, the amount, the branch and teller who allegedly received such payment. 

Additionally, I dispute the following addresses on my credit report and demand they be removed immediately. Neither of these are my address and are not associated with me or anyone I know personally. 
XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Furthermore, this complaint is against Experian for refusing to allowing me to file a dispute online and demanding that I callXXXX XXXX XXXX XXXX XXXX XXXX  and do not talk on the phone. This demand is a violation of XXXX by refusing to allow accommodations for XXXX.
Product: Checking or savings account

I have been violated by the Wells Fargo Bank of XXXX NM. And the bank keeps saying I asks for a loan advance during the taxes stimulus check in XXXX that I did it over online banking when I never do online banking at all. And I have told them in person over this matter they ignore the fact. They have slander my name my state of mind knowing I never asks for no advance loan especially over online banking. I am not login into do online banking. And too it's seems to me the time they sent me the statement was the time they closed the Wells Fargo Bank branch there in XXXX NM where I do most of my transaction at. Now they kept my child credit IRS money taxes. I needed that money for my grandchildren clothes for school to pay my rent and my car payment. It's a violation of the my state of living to survive in this pandemic issues of survivoring. In wrong upon the biggest USA XXXX  XXXX XXXX Wells Fargo Bank.
Product: Credit card or prepaid card

On XX/XX/XXXX I received fraud alert message from fortiva XXXX unauthorized charge on account that I haven't used over 1 year. I cut shredded card 1 year ago and no longer have access use. I immediately called fortiva about unauthorized charge and completed an Affidavit. I followed up XX/XX/XXXX fortiva rep confirmed Affidavit received on XX/XX/XXXX by email and after placing me on 1 hour hold rep confirmed fraud charge removed from account Old card canceled and a new card issued. Ive been monitoring account everyday since and on XX/XX/XXXX same fraud charge XXXX reappears on account. Hours on phone fortiva refuses to assist me. 15 hours phone calls fortiva refuses to assist me. I want XXXX fraudulent charges removed from account immediately. Horrible company
Product: Payday loan, title loan, personal loan, or advance loan

Opened : XXXX Balance : {$510.00} I have sent a debt validation letter to the creditor and have not receive the confirmation that this is my original contract.
Product: Credit reporting or other personal consumer reports

reported to Experian on XX/XX/1924 their case number XXXX shows a company named XXXX XXXX has a report on file with Experian, and may be others, of me having opened an account ( buy now pay later ) with them for {$880.00}. Affirms account number XXXX This is not mine though they show it as my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

The merchant charged the wrong credit card. Instead of charging a card that XXXX had opened for me in XXXX in XXXX the company charged an account with Synchrony Bank that had already been closed. When I tried to file a complaint with XXXX with the XXXX  XXXX  XXXX  XXXX ignored it not just once but twice. The fraud department at Synchrony Bank said that there is nothing they can do and Synchrony keeps adding late charges onto the non existing account instead of transferring the charges to the legitimate account. Now that department will not even speak to me and refers me back to the person who transferred me to the fraud department in the first place who then spends 10 to 15 minutes typing into her computer and then saying there is nothing they can do. So the only recourse I have is to file complaints like this one and to advise people that they would be better off borrowing money from a loan shark than to do business with this so-called " bank. ''