23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to work with Bank of America since XXXX 2015 to sell my house. 
I am not able to pay for it. I have done everything they have asked of me. They have priced the home to high and rejected the only offer we received. I have had it sitting vacant since XXXX 2015. I have asked over and over to talk with people and help. They do not answer questions, and when someone calls they just say they are doing a check in and they cant assist me in that issue. I want to short sale or deed in Leui the home. But I am getting nothing but the run around. No help has been given.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Name : XXXX XXXX XXXX : XXXX Phone : XXXX Email : XXXX Account # XXXX XXXX XXXX payment date : XX/XX/2022 15 USC 1681 - ( 2 ) ( A ) ( 1 ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

You are NOT allowed or permitted to furnish any type of reports that contains bank statements or any experiences or transactions that I have with your financial institution as the LAW clearly states above this paragraph please immediately remove the late payment reporting that was furnished to the credit reporting agencies/ XXXX, XXXX, Trans Union.
Product: Debt collection

MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. 
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts : XXXX ACCOUNT # : XXXX 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate Has violated my rights as a natural person 15 U.S.C 1681 section 602 A. States I have the right to privacy.

they sent me a letter back saying they are reporting validated information when I look at my credit report I see multiple errors Date opened is INACCURATE XX/XX/XXXX XX/XX/XXXX Date of last payment is INACCURATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital and I have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
i have never been late on payments for the account XXXX XXXX XXXX, XXXX Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provide I demand these payments be updated to on time as they should be as I was NEVER late. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Debt collection

Both XXXX and XXXX have failed to remove the debt although it has been proven through multiple disputes that debt validation guidelines/items that were requested from the collection agency via mail in XX/XX/year> were not met by the collection agency. I have filed disputes repeatedly through XXXX and XXXX. These credit agencies have ruled in the favor the of the collection agency I am disputing even though I have not yet received a response to the debt validation letter from the collection agency ( I.C. System Inc ) The debt reported to my credit by I.C. System Inc is not mine and debt validation requests have been ignored. The charge should have been billed to my secondary insurance at the time ( XXXX ) if the agency found that my primary insurance at the time that was provided by my employer ( XXXX ) did not cover the charge. Instead of taking these steps, I was billed instead while having both XXXX and insurance through my employer. I have since opted out of the insurance provided by my employer, as I have switched to a salary position beginning XX/XX/XXXX and now have another health insurance provider through my employer. Either way, at the time of the charge, I should not have been billed as this charge could have and should have been covered by XXXX when I had XXXX. I have attached a copy of the debt validation letter that I sent by mail to the collection agency, and that has been uploaded to both XXXX and XXXX dispute centers in attempt to dispute the debt. The collection agency has failed to meet the guidelines of the debt validation letter and yet, I the reporting agencies mentioned have not removed the account from my credit. I have the right to the information requested in the debt validation letter within a reasonable time. This standard has not been met and
Product: Credit card or prepaid card

My name is XXXX XXXX, my spouse is XXXX XXXX. We both have Amex Hilton XXXX Credit cards, with cards ending XXXX and XXXX. The card comes with a benefit that will have {$250.00} credit for each card for Hilton Resorts Booking. I use my card to book a one-night XXXX XXXX XXXXXXXX XXXX CA which is part of Hilton Resort for {$460.00} on XX/XX/2021, and my spouse XXXX XXXX uses his card to book another night at XXXX XXXX XXXXXXXX XXXX CA for {$470.00}, which is posted online at XX/XX/2021. I used this benefit before and the credit arrives within 1 week of qualified purchase, but for these two hotel bookings, It is already one month and we don't see the {$250.00} credit posted on both of our Amex Hilton XXXX credit card account. I called AMEX several times and the representative just asked me to wait. But I don't think waiting for over 1 month and credit does not arrive is a reasonable time frame, and definitely, there is some issue here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure in XX/XX/XXXX Experian is reporting it as this Year XX/XX/XXXX i sent numerous letters with the correct information and they are still reporting as XXXX like the forclosure just happern. I neep the information fixed
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018 - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

XXXX was month after month increasing my bill wrongly in multiple attempts I attempted to discuss my bill and all wrong charges. My bill was increasing double the amount that was discussed as my set payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today Experian raised the score to what it was prior to the debts being paid off and the student loan reductions.
Product: Checking or savings account

I have an account with MnT Bank, and on XXXXXXXX XXXX, I attempted to transfer money to another account but was unsuccessful. On XX/XX/XXXX, my account was blocked for suspected fraud. Despite calling their fraud hotline multiple times, I received no assistance, and they insisted that I visit a branch to resolve the issue. I contacted one of their branches and was able to unblock my account on XX/XX/XXXX in the afternoon. However, when I attempted to conduct some transactions and requested an increase in my withdrawal limit, my account was blocked once again on the same day. After contacting their fraud hotline again, I was informed that they could not help me online and that I needed to visit the bank in person. I was not provided with an explanation for why my account was once again flagged for fraud. Despite my request for an increased withdrawal limit, my account was blocked once again.
Product: Checking or savings account

XX/XX/XXXX current financial closed my account along with my XXXX  accounts and quit answering emails. XXXX was take from XXXX  checking. XXXX was taken from XXXX  savings and XXXX was taken from my checking
Product: Checking or savings account

I have been a customer of Chase Bank for over 12 years and have both personal and business checking account. Recently, a client stalled my business with issuing a check for services we provided and some recurring business payments for auto loan made the account overdrawn. Within a timeline of a week Chase charged my account XXXX overcharge fees of {$34.00} each making the account even more overdrawn after my client issued the check. 

I have called the Customer Service and they have waived only XXXX of the XXXX overcharge fees. I am at a loss of words for such an excessive overcharging making my business suffering additional financial setback.
Product: Vehicle loan or lease

I called the company ( PNC Bank ) on XX/XX/XXXX of 2023 to pay off existing loan and get the title sent my way. They sent over a letter saying it was paid in full but my title never made it. I gave time for it to find its way there but it never came. In XXXX, I reached out to the company about the title not making it and asked them to send it to a new address. Again, the title never came even though I paid off the loan on XX/XX/XXXX. They claimed no one was home to receive the title even though my wife and I were home with a newborn baby and not leaving the house. I called again today to try again and they said I would have to retrieve the loan through the XXXX and they could not help. I believe this is not consumer friendly and predatory behavior.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I received a payment of {$1400.00}. I added my bank information and attempted to transfer money to my account and Venmo froze my account. I sent an email requesting information. I chatted with a rep online, and they said they couldnt do anything nor did they have information as to why my funds were frozen. On XX/XX/22, I chatted once again with a rep and requested an update. She said account specialist are the only ones who can help. I then called and ask to speak to a supervisor who also told me only an account specialist could help. He then sent me an email with a link to upload my DL, which I did. He replied to my DL, and wrote it could take 15 days for someone to reach out. Again, its super stressful as they dont understand how urgent it is for them to release my funds. I need to pay my rent on time or Ill incur late fees, or worse, be evicted. Their lack of urgency in resolving this issue is unacceptable. They are holding my money for no reason at all.
Product: Debt collection

I confirmed with XXXX XXXX that the bank account that netcredit wired to fund to does not actually belong to me, though in my name with wrong personal info. Therefore I never initiated any valid borrowing activity with netcredit. The debt collection from netcredit is not valid. I am victim of credit fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed an Agreement with the, XXXX XXXX XXXX, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that XXXX XXXX XXXX has purchased a FALSE ACCOUNT FROM XXXX  XXXX, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX
Product: Debt collection

In XX/XX/XXXX, I moved into the XXXX  at XXXX XXXX in XXXX, Florida ( XXXX XXXX XXXX XXXX, FL XXXX, phone : XXXX ) ; which is an apartment complex managed under The Cardinal Group Management ( XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX phone : XXXX ). 

After several ( over 20 ) emailed complaints during my residence ( e.g. gnats, roaches, wasps, inoperable air conditioner, torn furniture, missing furniture, etc. ) and no resolution, I was able to speak with the apartment manager ; XXXX XXXX and she agreed to allow me terminate my rental agreement in an in person conversation. I followed up and received a confirmation email from XXXX XXXX the Marketing Team Leader regarding the conversation with XXXX XXXX and myself on XX/XX/XXXX confirming the permission to cancel the leasing agreement with XXXX XXXX on the email as well. 

On XX/XX/XXXX I received email correspondence from the management company indicating that I had an outstanding electric bill. This email thread continued on into XX/XX/XXXX with the following XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX : Portfolio XXXX, XXXX XXXX, and XXXX Washington. All personnel chose to stop responding to emails as of XX/XX/XXXX from XXXX XXXX whom was investigating the ONLY outstanding bill from as of XX/XX/XXXX, which was a high electric bill. 

On XX/XX/XXXX I received an email with the debt for the term of the entire lease at {$4200.00}. As previously mentioned, the lease was cancelled per management agreement. 

Recently, I received mail notification from a debt collection agency- Alpha Recovery Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX CO XXXX, phone : XXXX ) for a debt collection amount of {$4200.00}. 
I called the debt collection agency to dispute the debt and the agent indicated that he had information he received from Cardinal Group Management and that I am required to pay the debt. I stated how I had written documents to confirm that the debt is null and he stated that I would need to call the management company because he only is required to collect the debt. 

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX and emailed the apartment manager, XXXX XXXX and did not receive a response regarding this outstanding debt. 

I also emailed the aforementioned Cardinal Group Management employees on XX/XX/XXXX and XX/XX/XXXX and no one has responded to any of my emails. 

This debt is now reflected on my credit history and I have yet to receive any responses or answers from the company responsible for this debt. I have written documentation from staff that verifies the cancellation of the lease and yet, 2 years later I have received a debt collection.
Product: Payday loan, title loan, or personal loan

I made a payment that brought my account up to good standing almost two weeks ago. My account was still reported with miss payments and the incorrect balance. Why wasnt my account reported months ago, if and when it went delinquent? Why just now for multiple months, months later hmmm.. Security Finance is obviously not keeping up with there books on a day to day, not even week to week basis because my payment would have been credited to my account and the report file to the credit bureaus would have be correct. Since my account was in good standing at the time of the miss payments & incorrect remaining balance was reported it is false and incorrect information being reported, when the loan party apparently feels like reporting on its clients credit reports.
Product: Mortgage

I am writing on behalf of my real estate client XXXX XXXX. He is currently being reviewed for a Short Sale XXXX originally submitted in XXXX XXXX. The lender and their attorney refuse to continue the Trial Date XXXX XX/XX/2015 XXXX Despite being in receipt of a complete loss mitigation package. Evidenced by the emails attached, the Law Offices XXXX XXXX XXXX has been in active communication with 5th 3rd Bank and their attorneys. Evidence has been provided including copies of emails between the law firm and the attorney of record representing the lender. Despite clear evidence the file has been submitted to the lender XXXX XXXX XXXX, XXXX. 
of XXXX XXXX, XXXX. refuses to join the defense attorney 's motion to continue the trial ( see attached email XXXX This is a clear violation of the my clients rights and perfect example of dual tracking. The evidence is quite clear a short sale offer is currently being evaluated at the same time the lender is trying to push my client into foreclosure. XXXX XXXX for XXXX XXXX Bank XXXX see attached emails ) has actively been engaged with XXXX XXXX XXXX legal assistant XXXX at the law offices XXXX XXXX XXXX XXXX closing attorney ). I ask you please demand this trial be postponed and the lender uphold their responsibilities to the CFPB and review my client for Short Sale.
Product: Credit card or prepaid card

On XX/XX/18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my Singapore Airlines 's KrisFlyer account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' However, I have gone through and verified that all of my purchases were eligible and met the qualifying criteria. 

That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available. I have opened up a prior complaint with the CFPB and American Express 's response was that my Membership Rewards account is still under review and no timeline was provided for when the review will be finished.

I am opening this complaint again to respectfully request that the review be completed no later than 5 business days from the date that this complaint is submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and was screened with multiple hard inquires that I wasn't aware of or didn't consent to. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The negative items are constantly reporting on my Credit Report. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge Off : XXXX OF XXXX {$2600.00} XXXX {$2600.00} XXXX  XXXX {$1000.00} FST XXXX {$460.00} Date opened : XX/XX/XXXX FST XXXX {$860.00} Date opened : XX/XX/XXXX XXXX {$9200.00} Late Close : XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EXPERIAN CREDIT REPORT. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are three ( 3 ) items that are marked collections that I have disputed with the companies personally so they should be marked as disputes. Two in particular are being disputed for charges I did not make and have disputed on a number of occasions with the companies personally.