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

I have been calling Bank of America every week for well over XXXX months. Each time I call them they tell me XXXX froze my account and they had nothing to do with it. I called unemployment and they told me they only disperse funds and do not freeze or authorize freezes on accounts. XXXX told me they dispersed the funds to my Bank of America account and I have to contact BoA to have them returned. I continue to email XXXX and call them each week but run insist that there is no reason BoA should have frozen my account. Bank of America stole all my money without probable cause, explanation, or notification. I have had no money for months and have resorted to borrowing from my XXXX just to pay my bills. I have gone into the bank in person and no one claims to be able to help me resolve my issue. I need my money returned to me.
Product: Debt collection

I am not liable for this debt of {$1000.00} with XXXX  Account Number : XXXX I do not have a contract with XXXX, they did not provide me with the original contract as requested with my wet signature and ID verification and Experian failed to investigate accurate information allowing false misrepresentation of collectors that have harmed my credit and life due to their illegal negligence. I would like to be compensated for {$1000.00} for each violation allowed by you.ll.
Product: Credit card

I am writing to dispute a late payment entry that appears on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has been violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX. 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 Also states a consumer reporting a gen year can not furnish a account without my written instructions. 15 U.S.C 1681s~2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

There is a collection listed which is outdated, false and not verifiable which is ARC for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report indicates a hard inquiry from XXXX XXXX on XX/XX/2017 and XX/XX/2017. At that time I was applying for financial aid via ( XXXX ) not a student loan.
Product: Vehicle loan or lease

Many auto loan payments were not properly applied which resulted in late charges as if I wasn't keeping the account current. This auto loan also very seriously, adversely affected my credit score I was working so hard to repair in order to purchase a home. I had an auto loan with Wells Fargo between roughly XXXX. The car was ultimately totalled in a car accident. A white XXXX XXXX.
Product: Mortgage

I had a mortgage with First Bank Puerto Rico and refinanced in XXXX of 2021 with another lender due to the continual frustration with the servicing of the loan. I've made several complaints with the cfpb in the past regarding those mishaps. I have been attempting to get the status of the 1098 tax form from First Bank Puerto Rico via numerous phone calls and emails. I get a different response every time which includes the 1098 form is mailed already, the 1098 form will be mailed by mid to end of XXXX of this year, the 1098 form will be mailed next week. Historically, I've never been able to get mail from First Bank Puerto Rico. They blame USPS. To that point, I asked that the 1098 be emailed. I received an email from a person in leadership stating the 1098 form will be mailed ( attached ). Did not receive it and during the last call to customer service, I was told that 1098 forms are never sent via email. Yet another discrepancy in information provided by this lender. 

I might add that I no longer have access to their portal since the loan was paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security XXXX XXXX XXXX XXXX resident XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

First I started with XXXX XXXX XXXX then it was sold to XXXX and then it was sold to XXXX andfinally to Cornerstone home Lending Inc and I have beeen to bankruptcy court numerous times due to the fact that they are saying that they were not recieving payment but they were I have proven this also in court They are holding payment from years ago and then they are applying them I was also told by them that they are recieving partial payments in which they are not and I honestly believe and can also prove that my home has been paid off numerous times I also have payment history that I will provide Ihave also check with XXXX XXXX XXXX and it shows that you will never pay off your home if they have I want people to know that they do not have to be afraid to stand up for with is right and fight for their home and they are charging me home inspecting fees twice a month for what when I ask them they do not know
Product: Checking or savings account

We set up a square account for our business to accept card payments. The square account was set up XX/XX/XXXX. The first payment from a client was XX/XX/XXXX. We has no issues with square transferring our money into our bank account at XXXX XXXXXXXX XXXX. All transfers from square were made the next day into our business checking account. At the end of XX/XX/XXXX we realized the last deposit from square that entered our account was from XX/XX/XXXX. We contacted square to see where our missing XXXX and XX/XX/XXXX deposits were. Square put a hold on our account. They asked us to submit documentation to verify our bank account information. On XX/XX/XXXX we submitted our last three months of bank statements to square from our XXXX XXXXXXXX XXXX  account. On XX/XX/XXXX we received an email from square stating our account with them had been deactivated. At that point in time we believed {$31000.00} was being held by square. Square stated in the deactivation email from XX/XX/XXXX that our funds would be transferred in two business dates making that date XX/XX/XXXX. No transfers were received on XX/XX/XXXX. Multiple attempts between XX/XX/XXXX and XX/XX/XXXX were made to square on why it was deactivated and when we would receive our funds. On Monday XX/XX/XXXX we discovered another bank account was linked to our square. It was a XXXX XXXX XXXXXXXX account. We saw that we had {$17000.00} available to transfer into our bank account. We were manually able to re-enter our information for XXXX XXXX. We received a conformation email stating that the account was changed and the {$17000.00} was successfully transferred into our XXXX XXXX account. We never received an email when it was changed from the XXXX XXXX bank to the XXXX XXXX XXXXXXXX. As for the other {$13000.00} it was transferred into the XXXX XXXX XXXXXXXX account on two different instant transfers. All previous transfer were 1 to 2 business days never instant. The first instant transfer was made on XX/XX/XXXX for the amount of {$7900.00} and the second instant transfer being on XX/XX/XXXX for {$5500.00}. Fraudulent claims have been made to XXXX XXXX XXXXXXXX, a police report has been filed, a report with the FBI has been filed and a complaint to the FDIC. No one at square has contacted us back and we continue to make several attempts daily to contact them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX am XXXX XXXX XXXX and I have two dependents that I claim every year since they are born. I am a single mother and do this all on my own. I'm certain that you have received numerous of complaints as I am bring forth to you this evening. I'm aware and sure that this submission is has a big possibility of slipping through the cracks and I am never going to be provided the respect that everyone deserves. I'm coming to you today to let you know of the extreme mental decline status I have been put in by the number of times I have been ignoring, laughed at or made me feel as if this world would be better off without my presents. At this point I really do believe that my kids would much more financially stable if I were eliminated at this point. I have attempted so many times to request assistance from three credit bureaus to help my children and I. On XX/XX/2023 my mother passed away and she was the one who honestly believed that I was a true asset to this world and never gave up on helping me and my kids out. I have delt with multiple suicidal attempts that have been evaluated by actual licensed medical professionals and have been diagnosed multiple times only to have my application for XXXX be rejected for reasons unknown. Now that my mother is gone from here, I'm here and feel so alone. I live a life that is going to be acceptable in any legal standards to provide for my XXXX XXXX  and have done everything possible to keep them at my side. My credit report paints a picture of someone that is not me. There are things on my credit report that I have contested over and over again. Only for them to continue to terrorize me and my life. I am one step away from being placed out in the street and I honestly to God do not have anyone that I would be able to turn for help. That's one of the most scariest things I have swollow and accept at this point of my life. How do you sleep at night? Because I have not had one good nights rest since I can remember. My past adolescent life is something that I had to foresee and I have learned very much so from. This does not mean that these companies take that and assume I am the same kid I was years and years ago.. something has got to give. Please help me.
Product: Mortgage

This started after hurricane XXXX. My insurance company evaluated the damages and sent the payment to me. I sent the check to my mortgage company to have them endorse it when possible after all paperwork was due. We needed their endorsement and sent the check in XXXX. Since then, my house has been in shambles and my contractor stopped working bc I have not received the money from the mortgage company. I have submitted every last piece of paperwork and was needed and some. Yet, whenever I call them, I get to put on hold or I am told that this isn't their problem. I was recently on the phone with them and was told that they could " do me a favor and send me 4000 '' instead of sending me my actual amount. I was shocked and disgusted after hearing this and am in a mess at the moment because they are not cooperating and I have no other means of getting in touch with them. Every time I talk to them or call them, they keep refusing to cooperate and keep putting me on hold. I needed an inspection date from them and submitted the request as soon I could, yet they have not called back and it has been XXXX weeks. They owe me around {$24000.00} that I need to repair my house. They have not contacted me and keep troubling me with this. I hope this complaint helps me reach out and help my case.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX ), reported on XX/XX/scrub>XXXX Account name : XXXX ( XXXX ), reported on XX/XX/scrub>XXXX Account name : XXXXXXXX XXXX XXXX XXXX ) reported on XX/XX/scrub>XXXX Account name : XXXX XXXXXXXX XXXX XXXX ) reported on XX/XX/year>, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022 at approximately XXXX I began receiving text messages to my phone ( XXXX -carrier Visible ) from Bank of America asking if I had made purchases at XXXX XXXX XXXX XXXX FL for the amounts of XXXX, and suggesting those purchases were fraudulent. I responded to a question from the bank '..if I recognize this activity ' to which I responded 'NO ' to indicate the activity was fraudulent. I was then immediately contacted by a Bank of America representative via voice call ( phone number XXXX XXXX -a customer service number on the back of my debit card ) who identified himself as XXXX XXXX, a supervisor in the Fraud Department of Bank of America # XXXX He had my account open and asked about transactions made in the account. He asked about a few legitimate transactions such as a payment to the XXXX XXXX, Nj XXXX XXXX for $ XXXX, and a XXXX transfer in from my tenant for {$950.00}, both are legitimate activity. Then he asked me about the XXXX transactions for XXXX to which I answered were illegitimate. While we were on the phone, at aprox. XXXX he told me another transaction had been made which was a XXXX Transfer of {$5000.00} to a person named XXXX XXXX ' which he said he would void out also ( once I told him the transaction was fraudulent ) At no time did I authorize anyone to access my account. These transactions to XXXX and to XXXX XXXX were not authorized by me. 
On XX/XX/XXXX, I awoke at XXXX and upon checking my bank seeing the {$5000.00} transaction had not been stopped I immediately called the Bank of America fraud claims dept to report the situation and put a hold on my bank accounts. Then I went first to the Bank of America XXXX XXXX, XXXX, NY branch to further report the fraud and change my account numbers, and then to the XXXX XXXX NY in XXXX, Ny XXXX XXXX XXXX to report the fraud to deputy XXXX XXXX badge XXXX. Case # XXXX This fraud occurred to my Bank of America business account named XXXX. The debit card associated with this account ends in XXXX, and the account ends in XXXX Included are screen shots of some of the text messages I recieved ( black background ) and some my wife XXXX recieved ( red on green background )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for a full investigation Concerning all these late charges on my Experian Report XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Department of Education XXXX XXXX  days late. XXXX. XXXX XXXX XXXX  days late. XXXX XXXX XXXX XXXX days late.
Product: Checking or savings account

On Monday XX/XX/XXXX around XXXX XXXX I received my direct deposit. I then went to send my daughter her birthday money. Like every other time I have ever sent her or my son money on XXXX, I received error messages before it actually went through. I have screenshots of that as well. I changed the amount and it sent. I was trying to send her {$500.00}. I had to send smaller amounts for it to go through. At XXXX XXXX XXXXXXXX I received an email stating my account was suspended for unusual activity. I figured no big deal, as I had just gone through this on XX/XX/XXXX. It was cleared up within an hour that time. I sent the requested State ID as well as a selfie holding the ID. I got a response email on XX/XX/XXXX stating I violated their terms and my account is being closed. The representative stated by phone that I can still withdraw my funds to one of the bank accounts or cards that I have linked to my XXXX. 
However, I am unable to withdraw my funds as promised by the representative via telephone. The email says they will hold my funds for 180 days. 
I have not violated their terms/rules in any way whatsoever. All I did was try to send my children money via XXXX. Which is a service they offer. They refuse to share how I allegedly violated their terms. It is XXXX degrees in Ohio, I need to pay my utility bill. This issue with XXXX  has prevented me from doing so. As I use XXXX  for my financial transactions.
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 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 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 permission
Product: Credit reporting or other personal consumer reports

Over the last few months I have been disputing unauthorized inquiries on my account with all three credit bureaus, and they replied that the account has been verified and updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

After careful examination of my financial records, I have discovered that a debt, which was previously reported by XXXX XXXX has been settle for less than actual debt. In accordance with the provisions of House Joint Resolution 192 ( HJR 192 ) passed in XX/XX/1933, I am seeking properly dispute on my credit file. Equifax Information Services is reporting my credit card as having " charge-off with the debt actual amount, '' for account number XXXX and account number XXXX. I have documentation the credit card has been paid. Equifax has indicated that the debt has been verified and reported as accurate on my credit file. In accordance with House Joint Resolution 192 Policy, all debts shall be discharge upon payment is legal tender for the public and private debs The reporting of " charge-off '' is causing confusion and adversely affecting my creditworthiness. The conflicting reporting of the XXXX XXXX is damaging my credit profile, and I request XXXX XXXX be removed from my credit file. The report I have attached is the most updated report from MyFico - Equifax Information Services starting from page 22.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on credit reports which I do not no about, it may be potential fraud and I wrote dispute letter to the credit bureau and and they don't correct it, I want all the inquiries that I do not recognize removed from my credit report. 
XXXX, Experian and XXXX.
Product: Payday loan, title loan, or personal loan

I took out a payday loan with XXXX XXXX XXXX. Interest rates are triple digit and usually at least, blatantly illegal in Maryland which is my state of domicile. The original loan amount taken was XXXX. I have repaid this amount through withdrawals from my checking account. Total payments to the company were for XXXX which is more than the original loan amount.