23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear XXXX  XXXX, I am writing to address an issue with my mortgage account, which has unfortunately led to a negative impact on my credit report. I appreciate your attention to this matter and hope for a resolution that reflects the extenuating circumstances I have experienced. 

In XXXX, I was diagnosed with XXXX XXXXXXXX XXXX. This diagnosis and subsequent treatment have significantly XXXX XXXX XXXX and ability to manage some of my personal affairs. As a result, a payment for my mortgage was returned due to insufficient funds. Upon realizing this error, I promptly contacted your customer service team. I was informed that my account was not late, which led me to believe that no immediate action was required. 

Regrettably, despite this assurance, my account was reported as 30 days late. This is the first and only late payment on my credit report. Additionally, I did not receive any late payment notices or calls. I also sent a message through your website in XXXX but did not receive a response through my preferred method of communication. 

While I acknowledge my oversight, I believe the circumstances surrounding this situation and the incorrect information provided to me by your customer service representative contributed to this unfortunate outcome. I respectfully request that you consider removing the late payment notation from my consumer credit profile. 

This adjustment would not only help me during a challenging time but also reflect the commitment of XXXX to support its customers through unforeseen hardships. I appreciate your understanding and consideration and look forward to your favorable response. 

Thank you for your time and attention to this matter. 

Sincerely XXXX XXXX
Product: Credit card

In XXXX of 2024, I applied for a credit card with the company Revvi. I was advised that I was approved and needed to be the {$95.00} program fee before the card could be sent out.. I paid the fee and received a message that the card was being sent out. I never received the card and called the company advising them of this. My old address was put in which was originally the reason for not receiving the card. I was told at this time I would need to fax them a proof of address because my account had not been open long enough. I was also informed during this time that I could wait passed the timeframe and then request a new card be sent out, which is what I choose to do instead of having to fax a proof of address change over. I called back again in XXXX inquiring about changing my address again, it was escalated to a supervisor who advised me at this point that I would receive a letter ensuring that I could receive mail at my new address. Never received the letter nor the card. I called again in XXXX and again was ensured it was being sent out. I have called at least once a month since being approved for the card inquiring when the card will actually arrive, again being told they will send out one, still nothing. Revvi has no issues sending me threatening letters of closing my account due to non-payment for a annual fee on a card I dont even have. I have also received a auto payment form, but again no card even after being told numerous times its being sent out. I am concerned about my credit being affected by this along with losing the {$95.00} program fee.
Product: Credit reporting or other personal consumer reports

TransUnion is blocking me from submitting multiple disputes and delaying my ability to correct my credit report. 

When I attempted to dispute multiple inaccuracies in my credit file, I was only allowed to submit one dispute before the system automatically closed all other disputes for 30 days. This was never clearly stated upfront, nor was I given an alternative method to dispute additional accounts in a timely manner.

This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which states that consumers have the right to dispute any inaccurate or unverifiable account at any time. By limiting my ability to file additional disputes, TransUnion is blocking me from correcting my credit report, which directly impacts my financial standing.

Additionally : They provide no clear notice that submitting one dispute will lock all others for 30 days.

They do not provide any alternative methods to file additional disputes. 
They are impossible to reach in a timely manner to resolve this issue. 
I am disputing multiple errors in my credit history, and TransUnion is blocking me from correcting these mistakes, potentially harming my credit score. I demand that : TransUnion immediately allow me to file all my disputes without restriction.

They provide clear, written policies regarding dispute submission limits. 
They stop using automated systems that restrict consumers from correcting their credit files. 

If TransUnion refuses to comply, I request that the CFPB investigate and take regulatory action. 

Thank you, XXXX
Product: Bank account or service

Upon receiving an insurance check, my husband at the time took the check to a Chase bank where I have never had an account. He opened an account, forged my signature, and left with the money. I have spoke with the bank where the check was cashed and they admitted fault. I would like to request a new check issued and funds disbursed according to our divorce agreement.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX Balanced {$1400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, NJ XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Items from Credit Report Under Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Dear Sir/Madam, I am writing to formally request the removal of certain items from my credit report maintained by TransUnion, XXXX, and XXXX, pursuant to the provisions outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

As per my rights under the Fair Credit Reporting Act, I have thoroughly reviewed my credit report and identified inaccuracies that require immediate attention. The discrepancies I have found are as follows : Inquiries : XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX  ( Bank ) - XXXX XXXX, XXXX Closed Accounts : XXXX XXXX XXXX XXXXXXXX - Last reported XX/XX/XXXX ( This account is removed from XXXX report and should be removed on TransUnion ) XXXX  - Closed on XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported ) XXXX  - Closed on XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Last reported XX/XX/XXXX ( This account was disputed and should be removed due to fraud activity that has been reported and is also purchased twice from the original creditor XXXX ) I have previously contacted TransUnion, XXXX, and XXXX regarding these inquiries and accounts with no results. These inaccuracies have been hindering my ability to get my life on track. I have requested numerous times to have these items removed. 

These inaccuracies have a significant impact on my creditworthiness and are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and its amendments.

I kindly request that the respective credit reporting agencies conduct a thorough investigation into these discrepancies and promptly remove the inaccurate information from my credit report. Additionally, please provide me with written confirmation once the corrections have been made and the inaccurate items have been removed.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), I am entitled to a fair and accurate credit report. Failure to comply with this request within the required timeframe may result in further action, including legal recourse. 

Enclosed with this letter are copies of documents supporting my claim and verifying the inaccuracies mentioned above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the inaccurate items from my credit report. 

Sincerely, XXXX XXXX
Product: Student loan

Navient has been tasked with my loan consolidation. I started receiving many threatening phone calls back in XXXX when I was out of school. They were not nice calls and many threats were made. I was going through financial hardship including a 9 year long custody battle, another divorce, and soon thereafter a bankruptcy. 
I was able to place my other loans ( I thought all of them ) into deferment/forbearance while I was dealing with my personal issues and was expecting the consolidated loans to be deferred as well. I 'm not contesting the loan, I just needed time to get financially stable before starting repayment. 
As job prospects were not what I hoped for, I decided to go back to school starting XXXX XXXX. I filed the necessary paperwork for in-school deferment. I received notice that my loans were in in-school deferment. I thought everything was fine. 
I am still in school and expect to be finished some time between XXXX and XXXX XXXX. 
I recently reviewed my credit report and the loans serviced through Navient are now showing up. They were not there before! It seemed as though everything was in deferment, but now they are not and while trying to get my life back together, finish school and rebuild my credit, Navient is causing issues. 
Again, I am not contesting the loans. I just want them to be placed in in-school deferment so I can focus on school and not have to worry about dealing with Navient until I finish my XXXX.
Product: Mortgage

XXXX missed a payment due to financially issues. 
XXXX XXXX- called PHH Mortgage to make a payment- Was told I could not make a payment unless I have both payments I have tried to get PHH Mortgage to answer my calls- with no luck to getting  any call backs or understandings to why they would not work with me on getting my payments caught up. 

I was then served a default notice on my door. 
I contacted XXXX XXXX- Case Manager Her direct number was XXXX ext XXXX I requested a loan modification was mailed out a package that I filled out and mailed back. We never heard back from her or anyone concerning the loan medication request. 

I also reached out to - The United State Department of Housing and Urban Development- they placed me in contact with XXXX XXXX Once again we filled out the loan modification package- Again telling everyone that the Borrower and the Co- borrower were divorce in XXXX We never heard if I was granted the modification or not. 
In XX/XX/XXXX I received information from PHH Mortgage stating a FORECLOSURE- and listed attorney XXXX XXXX XXXX XXXX XXXX the letter  stated that XXXX XXXX remained Committed to working with me- HOWEVER- this was not the case In XX/XX/XXXX XXXX XXXX- sent me a letter with a payment - Again not indicating if this was the approval of the loan modification or not. There were payment coupons included- when I tried to get answers to what this payment was- I was not given information. 

I then received a call from XXXX with XXXX XXXX on XX/XX/XXXX- which followed with an email XX/XX/XXXX- he sent a form stating he needed 90 days of current bank statements- and 30 days pay stub. I have not heard back from XXXX- nor has he replied to my emails or phone calls. 
I was given different information- now being told because the information was not received 30 to 37 days before XX/XX/XXXX my house will be sold. 

I have called the attorney listed on the file- No response nor call back I have reached out to XXXX XXXX and not given any information besides I need to speak with XXXX- Though XXXX will not respond to my calls nor emails I have reached out to the PHH Mortgage which is saying XXXX XXXX now is serving my loan. 

AND -- the most important part the Borrower has NEVER been served nor will get any information today XXXX when she tried to call in to see what she needs to do to get an extension or to stop the forclosure
Product: Bank account or service

someone contacted me asking did I want to make quick money and they were from the FDIC. It was in regards to money that my bank owed me. They asked me for my personal bank information and I gave my information out. They deposited money into my account and then later told me that it was n't my money and it needed to be sent back. They gave me the names of the accounts in which the money was owed back to. I sent the money back and I thought that was the end of it. Later that night another deposit hit my account and I got an email and that basically told me I would n't have access to my account due to suspicious activity. I later called my bank and they told me to file a police report and it is attached to this statement.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an XXXX dispute for which they responded with a letter dated XX/XX/2019 stating they are unable to locate a credit file for one of the following reasons : 1. You may not have a current file. I agree this could be the case and this is also the basis of my original dispute/complaint. XXXX is negligent in maintaining my file current and updated. For instance they are carrying a balance on a XXXX XXXX which has been long paid. 
2. You have not applied for credit recently. This does not apply as I was relocated by my work and had to obtain credit applications for new banks, apartment, utilities, etc.

3. You have not actively used credit int the past ten years. See # 2.
Product: Credit reporting or other personal consumer reports

You are reporting the wrong balance and payment data for account XXXX XXXX XXXX XXXXXXXX. Please see the attached documents from the creditor and remove this account from my credit report.
Product: Checking or savings account

On XX/XX/, I deposited a check from my employers 401k administrator into my checking account and noticed on the receipt that the funds may be held till XX/XX/XXXX. Surprised, I called BofA re this lengthy hold on the much needed funds. While speaking to BofAs representative I opened my account details via the banks mobile app and noticed the funds would be available the next business day. On the next business day, the funds were present and used to cover charges but then suddenly the funds were removed from the account with a new hold for several days. Confused, I called BofA again and was told the funds arent available because BofA was not able to cash the check or that the funds were not available from the issuer. I called the issuer who confirmed funds are available and that BofA did not try to cash check yet. So, I waited a couple days and looked for the funds. Still on hold. I called the issuer again and was told that BofA has indeed cashed the check at XXXX  MT on the XXXX of XXXX. With this info, I called BofA again to see if the funds could be made available. The two representatives at BofA I spoke to today said they can not release the funds. The supervisor stated that the funds are not in BofAs possession but are at an automated clearing house. I expressed concern that : a ) the funds were available but then made unavailable and b ) BofA is not in possession of my money and can not tell me where it is. This doesnt make any sense. At the end of the day, this is my money and need it to help cover medical expenses for a serious medical condition which Ive needed to postpone until funds are available.
Product: Checking or savings account

I made XXXX mobile deposits. One was a Personal check for {$1800.00}. And one was a money order for {$200.00}. When I went online e to check to see if they had been credited to my checking account I couldn't gain access. I called BMO. The clerk who answered told There was a hold on all XXXX of my accounts and I needed to speak with the fraud department. I tried calling them but it WAS the weekend. On Monday I called the fraud department and Was told it was indeed on hold and The clerk questioned me about what was the reason I got a check for {$1800.00}. What did I sell or Purchase. The only mention of the money order id deposited was they can be fraudulent too! I explained that I'd called the writer of the check and he told Me it had cleared his account already. 
The clerk told Me the hold was totally random and it was For the purposes of mitigating potential fraud. And told Me My account would be in the hold Position until XX/XX/year> possibly longer. That was Three+ weeks away. 
After stressing on this for four days i Called the fraud Department back to explain I had bills that were to be paid automatically plus all my other bills as Well that Needed to be paid. that's when she told that My account was suspected of fraud, not a random check! I Explained that the personal check had cleared already and asked If there was a Problem with the money order! She replied, I don't know, is there something you want To tell me?. This clerk treated me As if I was a criminal not like a customer of their bank. 
I then asked for a Supervisor. She put me on hold for about 10 minutes and came Back and said one wasn't available. I requested a call back and have heard nothing. 
Meanwhile I'm getting late fees on my credit card bills and its damaging my credit. My mortgage isn't paid, and I have no access to my accounts to buy basic living essentials. 
My request is they return my account to normal and pay the late fees I accrued because of this unwarranted extended hold on my accounts. I will Provide them with a detailed list of the bills that were missed and Late fee amounts. I want a Representative to call me To make this all right. 
.
Product: Money transfer, virtual currency, or money service

The present complaint is to report to CHASE BANK for violating the consumer financial protection law so me. On XX/XX/2020, I was the victim of an online scam, in XXXX {$22000.00} for the purchase of a truck with the money received from the XXXX loan. The announcement of the alleged seller was XXXX I contacted the saleswoman named XXXX XXXX to make the truck purchase deal. She informed me that the transaction would have to be made through the company HQ secure logistics. This company sent me your bank information to make a wire transfer which made it on XX/XX/2020 during the morning for a total of XXXX. That morning I got a call from Chase bank in English which I didn't understand much and didn't hear well. I only understood if I had made a transaction and told him that if when I finish the call I decide to call Chase bank to give have the transaction since I began to suspect that I was being scamming. This all took less than an hour. Chase Bank didn't help me get my money back. I'm telling you that I suspect a scam will cancel the transaction which was still pending and refund my money, which they didn't do. They didn't protect my money, they didn't cancel the transaction when I asked for them the same day. 
Every day I call Chase Bank. I'm waiting hours on the phone to help me get the money back which was stolen from me through a scam. I went in person to Chase 's bank in XXXX XXXX and only got a claim number JPM XXXX XXXX. Make a complaint with XXXX XXXX police to report the theft by scam the complaint number is XXXX and the officer in charge is XXXX. This whole situation has me very XXXX XXXX XXXX  and with XXXX. I haven't been able to work because of this situation in 11 days. I got that money for a loan.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!!! ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Delinquent payment of credit on my credit report. XX/XX/XXXX & XX/XX/2022 I do not have a credit card with this company, XXXX XXXX XXXX. Can't contact XXXX  XXXX XXXX  directly. This is fraud.