23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/17 I happened to be viewing my account balances online of my Bank of America debit card and noticed 2 charges ( {$150.00} x 2 ) for an XXXX  purchase of which I did not make. I immediately suspended my card via my Bank of America app and then immediately called Bank of America to inform them of the situation. I stated that my debit card had been compromised and I wish for the charges, that were in real-time in a " pending '' status. I wanted them to, especially since the charge was in pending status, not authorize the release of the fraudulent charges totaling {$300.00}. They refused. They stated they would allow the charges to go through and I could at that time dispute the charges. I was stunned and stated if you allow these fraudulent charges to be stolen from my account I would then, possibly, be in a fight with you for the refund of my money. They stood fast on the issue. They were not going to stop the fraudulent charges. Upon Bank of America 's release of my money to a online thief, I filed a refund request and was denied. I executed all federal ( in addition to B of A required guidelines ) required guidelines in order to qualify for a refund on fraudulent charges made to my account.
Product: Credit card or prepaid card

On XX/XX/XXXX my account was closed for no reason. I called the bank to see what happened and I was put in touch with authentication department. I told them that all purchases are valid and for personal consumption of supplies. They told me that I had excessive spending with a merchant. I told them I did no such thing and never bought anything other than merchandise. No gift cards or anything nefarious. I told them that I never spent more than XXXX percent of my credit line in any given weeks. 

There is no way this can be construed as excessive spending. This is ridiculous. The supervisor didnt care and still closed the account Us bank confiscated over {$300.00} of cash back points I had earned. I would like a statement credit for this confiscation and a restatement of my account which I have only used legitimately and honestly
Product: Bank account or service

On XXXX XXXX, 2016, my sister XXXX XXXX passed away. She died without a will and, other than about {$1300.00} in a checking and savings account at Bank of America, she had no assets. I paid for her funeral out of my own pocket. 

Following that, I submitted an Illinois Affidavit of Small Estate, an instrument designed and enacted by the State of Illinois to expedite payment of funeral expense in such cases. I filed this with the bank in XXXX and they ppromised to contact me no later than XXXX XXXX, 2016. They did not contact me. I contacted them about a month later and they sent me some additional paperwork. I had not heard back from them so today I called them. They stated that my affidavit of small estate was missing verbiage. They stated that they could not tell me what verbiage was missing and that I must contact an attorney. 

I am seeking the reimbursement of funeral expenses from XXXX BOA account.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. Please remove the identified transaction from my account. It is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I looked at my report back in XXXX XXXX and noticed that some information on my credit report are not accurate. I have called them and I have mailed letters requesting to do a re- investigation of the following accounts : XXXX XXXX XXXX account : XXXX ( last report date is incorrect, date last active incorrect, no date for last payment, ) this account is not accurate. 

XXXX XXXX XXXX ( last reported date incorrect, last day active incorrect, date of last payment incorrect, date opened incorrect ) this account is also not correct. 

XXXX XXXX XXXX XXXX ( Date opened is not correct, date last reported is not correct, date last active incorrect, date of last payment is incorrect ) this account is also not correct. 

can you look into this matter?
Product: Mortgage

I am writing to file a formal complaint over the changing of the terms of my loan following Mr. Cooper purchasing the loan in XX/XX/2022. My loan was serviced by XXXX XXXX almost 2 years until XX/XX/2022. In XXXX of 2022 XXXX XXXX removed PMI from my loan. When I received the escrow analysis completed by XXXX XXXX in XX/XX/2022, I called to inquire, and they stated to me that PMI was being removed due to the loan/value ratio and the substantial appreciation during the pandemic. 

When Mr. Cooper purchased my loan, I called in XX/XX/2022 and spoke to a Mr. Cooper representative and was informed verbally that there would be no PMI on the loan. It has recently been verified for me by a Mr. Cooper representative that there are internal notes documenting that conversation. I recently learned that Mr. Cooper staff later changed their minds and decided to add PMI back to my loan in XX/XX/2022. I have been charged 12 payments of PMI since XX/XX/2022 out of my escrow account. 

This changing of the terms of my loan after it was purchased is unacceptable!
Product: Student loan

I have submitted an application for Income Based Repayment plan ( twice now along with mine and my husband 's W2 's ( current year ) and my paystubs ). Great Lakes now has XXXX applications, XXXX paystubs and a copy of mine and my husband 's W2 's. I have received confirmation that these faxes have successfully been transmitted. Yet Great Lakes continues to send me emails saying they can not process my Income Based Repayment plan because they still need mine and my husband 's W2 's and paystubs. I have done everything on my part to ensure Great lakes has received my documentation. I 'm unsure as to why my Income Based Repayment plan is not yet processed? 

Great Lakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX Experian XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX 202
Product: Checking or savings account

On XX/XX/XXXX, XXXX 's debited {$53.00} from my Checking Account. There was no reason for me to have that amount. When I asked Chime about it, she denied it. I tried again, and again. Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX, a hard credit check inquiry was performed by Capital One without my permission. I have not applied for any credit cards. I would like this to be investigated and removed from my credit history. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX NA ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

TransUnion is unavailable to the people whose reports they mangle when we try to get in touch. I did so twice today. I logged in ( after getting a new password, not that my password did not work but transunion said it was " old ) and thus after logging in this pathetic ridiculous anti-consumer company twice said, oh we can't do this now .... PLEASE SEE MY UPLOAD. 

Furthermore, it is outrageous and completely off the wall that this company thinks it will be okay for people to use their XXXX account or their twitter ( now known as X ) account to log in. This is insane. I am certain because did not have a FB account and would not use my X account these imbeciles would not let me proceed to get their erroneous information corrected. 

they XXXX ) have an incorrect address I believe stating that I live on XXXX XXXX,. but it is not the accurate address and 2 ) I KNOW FOR A FACT THEY HAVE TWO HITS ON MY REPORT THAT SHOULD BE ONLY ONE.

Why has this company so unwilling to correct their mistakes?

This is whole thing is mindboggling you can't log in, yet I see erroneous info on another credit reporting company XXXX and ALL INACCURATE INFO IS BAD. 
Please help
Product: Credit card

I used my American Express card to book a hotel using the XXXX travel site. 
Immediately after booking found out it was the wrong hotel. I immediately contacted XXXX. They came back a little later and said the hotel was not answering their phones. XXXX refused to refund the over {$200.00} charge for a hotel room that I did not use. American Express apparently is siding with XXXX. I will never use XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****,  XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit card or prepaid card

Hi I applied for a Walmart credit card and I input all my information correctly and was put on hold for awhile and synchrony bank didnt give me a reason why my application is put on hold or contact me to verfify that I applied for the card all they told me is that I have to wait for a letter that coming in 7-10 days I was told at the end of the application is to call the bank and tell them I applied and the supervisor is giving me a XXXX response and my credit report was pulled and I had applied in the past with synchrony bank and they keep giving the run arounds and made to fax and notrize documents and I didnt get a final decision 40 days later with another credit card ... ... my Walmart credit application number is XXXX and I want some answers this is why I voted for XXXX ... .... we need american call centers ... ..
Product: Debt collection

Debt was paid about a week or so ago to Hunter Warfield via their website. It is paid and the account is settled. I would like it off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

XXXX has lowered and closed all of my credit lines. XXXX has lowered my line. Chase has lowered my credit line. My score dropped to the low 500 's from high XXXX XXXX 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months.The credit bureaus did not reverse the late payments.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is showing I have an XXXX XXXX Card open. I do not possess an XXXX XXXX card, nor do I have an online XXXX XXXX account. I tried to Dispute this with EQUIFAX on their website, and each time there is a message of, 'Temporarily Unable to meet this Request '. I have provided copies of both the XXXX account showing 'open ', and the dispute request being 'unable ' to process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was just made aware that Greentree is seeking settlement of deficiency that occurs following the foreclosure sale of my home vs. the amount owed. I have not received detailed information on the deficiency and was being asked to settle the deficiency. I asked for a reduced settlement amount and also asked that they provide more detail before moving forward. I 've researched that in the State of MI, a borrower 's deficiency is capped at the FMV of the home. I was not made aware of this during their call. They said they will be sending me information in the mail. I also am not happy with the denials I received from them during the short sale process. They ended up selling the home for an amount less than what they were willing to negotiate with me ( via short sale ). I 've attached an email from my realtor that shows her surprise at the pending sale price.
Product: Credit reporting or other personal consumer reports

I Would like these unauthorized hard inquiries removed from my report. i DID NOT give them permission to pull my report. I want these removed. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The bank, Bank of America, has changed the auto pay system and removed my autopay external account, the account was defaulted because of this, I was not able to access the autopay system to remedy the situation. I had to be on the phone in a long wait to make a payment by phone and even after this payment was honored by the second bank did not credit to may credit card account and I received a new statement with an outstanding balance. Not the first time this bank technical problems prevented me from making transactions with other banks. They do not honor external transfers and change the system with migration errors.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies present in my credit report. On multiple occasions, I have raised issues concerning disputed accounts and have consistently requested thorough investigations. Despite my persistent efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and are causing significant disruptions in my life. The negative impact of these inaccuracies has led to immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation promptly. 

I kindly request a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to all XXXX bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all XXXX bureaus as well, however the outcome has not changed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint regarding late payments on my credit report and to request assistance under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), which aims to alleviate the financial burden faced by consumers during the COVID-19 pandemic. I kindly request your intervention to have these late payments removed from my credit report.

Due to the unprecedented circumstances brought about by the COVID-19 pandemic, I experienced financial hardship, which led to late payments on my accounts. As a responsible consumer, I diligently made efforts to communicate with my creditors, explain my situation, and seek assistance or alternative payment arrangements. However, despite my proactive approach, these late payments were reported to the credit bureaus, resulting in a negative impact on my creditworthiness.

Under the COVID Relief Law ( 15 U.S. Code 1681s-2 ), consumers who have been affected by the COVID-19 pandemic are provided with certain protections and assistance. This law specifically requires furnishers of credit information to report accurate and fair information regarding consumers affected by the pandemic. It is my belief that the late payments reported on my credit report do not accurately reflect the financial challenges I faced during this difficult time.

I kindly request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and ensure that the late payments are removed from my credit report in accordance with the COVID Relief Law ( 15 U.S. Code 1681s-2 ). The removal of these late payments will help restore my creditworthiness, allowing me to rebuild my financial stability during the ongoing recovery from the COVID-19 pandemic.

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and providing relief during challenging times. I trust that you will review my complaint thoroughly and take the necessary steps to ensure that my credit report accurately reflects the impact of the COVID-19 pandemic on my financial standing. 

Thank you for your attention to this matter. I look forward to a favorable resolution and your assistance in helping me navigate through these difficult times. 
Sincerely,