23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously opened a complaint on this company on XX/XX/18. The complaint # was XXXX. 

Here is what I indicated : The company XXXX XXXX XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life. 

The company responded with the following on XX/XX/18 : Due to XXXX regulations, we are unable to provide consumer with account information. She disputed account through credit bureaus and the account was verified as all the information matched. The consumer may contact XXXX at XXXX ext XXXX to obtain an itemized bill for the charges. 
********************* I have called this company on numerous occasions and have yet to get someone to answer the phone. I did a web search on this company and every review has the same response that they will not answer the phone. I question the legitimacy of this company. I called the extension listed and the phone continued to ring for an " XXXX '' that never answers the phone. I tried selecting other extensions and still no answer. At this point I am really fed up and I want this issue to be resolved. They refuse to remove the item from my credit report but they can't even pick up a phone.
Product: Debt collection

On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of XXXX XXXX XXXX XXXX, assignee to Credigy Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?
Product: Debt or credit management

Locked out of my account for credit improvement services, keeps reporting late on credit now. Have reached out XXXX no response, dont have a phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a dispute with XXXX, Equifax, and XXXX. I asked them to verify inaccurate accounts. They have yet supplied me with the outcome of the investigation.
Product: Debt collection

XX/XX/XXXX, at XXXX XXXX  someone called from XXXX asking to speak with XXXX XXXX or XXXX XXXX. He proceeded to tell me that I took out a loan before XXXX for around {$500.00} dollars that I have defaulted on and now it's {$1000.00}. He stated that I have committed fraud, and he wanted to work out a payment plan. He started to argue with me stating that the debt was verified with three institutions. I asked him to send everything to me because my daughter is an attorney and I need to see who is using my information. My purse was stolen a few years back. He hung up the phone. I called # XXXX a guy answered and stated I took out a loan and that I should pay my bills and proceeded to argue with me. He said that all of my information was used to get the money and my bank account which I know is not true. No one has access to my bank account, Not even my children. He started to yell pay your bills. I told him it is not my bill and to send me all the documentation. I hung up the phone because it was getting out of control at that point. He was threatening and abusive. He stated nothing is going to happen to him, he can do anything he wants to. Have new regulations allowed debt collectors to behave in such a manner? I am visibly upset and very angry at these people. Listen to their recorded message at the beginning of the call. They threaten to send legal papers to your home. I guess legal action will be taken even though it's not the right person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus known as Equifax, XXXX, and XXXX  are still reporting old inquiries from more than 2 years ago. these inquiries are hindering me from get approved for a new line of credit. I demand these inquiries need to be deleted immediately. 

Furthermore Equifax, XXXX, and XXXX  are reporting addresses that I never resided at. The addresses " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' needs to be removed from my credit report immediately. 

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

You have violated 15 USC 1881 ( 4 ) for that reason your inaccurate reporting hurt my ability to obtain new credit.
Product: Debt collection

Debt doesn't belong to me, company put in on my credit. Never had a XXXX account before. I asked them to remove it, they still have it on my credit.
Product: Checking or savings account

XXXX XXXX, 2017, BankMobile desposited my XXXX XXXX XXXX refund of {$720.00} into a JP Morgan Chase bank account that is not mine. I 've made several claims, spoke to dozens of representatives and " customer service specialists '' from each of the companies and they all ran me around in circles. I just want my refund so I can get the things I need for school. It 's been two months and still no results or explanation on how this even happened or how they can fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - Caliber Home Loans reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with Experian Reporting Agency. I have called Experian and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from Experian, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : //files.consumerfinance.gov/f/documents/cfpb_fcra_consumer-reporting-faqs-covid-19_2020-06.pdf Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to REGIONAL ACCEPTANCE CORP to get the inquire removed but, they haven't resolved the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I submitted a complaint with the Cfpb because I wasn't informed about an investigation with XXXX. During my Investigation, the inaccurate accounts were removed. Because when I went to look at my credit report on XX/XX/2022. I no longer had the collections on my XXXX credit report. Today XX/XX/2022. I viewed my credit report, and one of the negative accounts ( XXXX  ) has been returned to my credit report after filing my complaint with the Cfpb on XX/XX/2022. XXXX removed the negative items around XX/XX/XXXX to make it seem like they completed an Investigation. Since my complaint is closed and states, " Has been resolved. '' XXXX has added it back to my credit report. I do not trust these credit reporting agencies!!
Product: Credit card or prepaid card

I opened a credit card with Chase on XX/XX/XXXX ; interest rate 27 %. I would never transfer a balance to this account the interest is way too high. Regarding the aforementioned I was very surprise to look at my statement on line and find out that they were charging me a transfer balance interest fee. UPon finally seeing this i called Customer service in XXXX only to be told by several employees of the establishment that I did indeed transfer a balance and although they were unable to find it that they would not cease charging me or return / credit my account. This charge was added o my account and they cant even tell me when they started charging me because it should be when i supposedly transferred a balance. Bottom line it adds up to a nice piece of change. I need that money back, I find it irresponsible not to at least settle, but the entire thing is dishonest and I believe their are others that are being ripped off. Is there a class action suit ; if not could this be a start of one. What can I do to get my hard earned money back. Please help me. Thank you!!
Product: Mortgage

1. Received a letter from Bank of America dated XX/XX/XXXX to do a short sale. They allowed 15 days ( until XX/XX/XXXX ) to submit appropriate documents. 
2. But our file was forwarded to foreclosure attorney ( XXXX ) on XX/XX/XXXX. Received a letter from XXXX dated XX/XX/XXXX. 
3. Spoke with XXXX of B of A on XX/XX/XXXX about reinstatement calculation. She stated a payment of {$26000.00} need to be received by XX/XX/XXXX in order to avoid fees. 
4. Payment of {$26000.00} was sent and received by B of A on XX/XX/XXXX. 
After making the reinstatement payment, I noticed following charges on my XX/XX/XXXX statement : 5. On XX/XX/XXXX, I was charged with attorney/trustee fee of {$420.00}. 
6. On XX/XX/XXXX, I was charged with title fee of {$740.00}. 
7. On XX/XX/XXXX, I was charged with recording fee of {$24.00}. 
8. On XX/XX/XXXX, spoke with XXXX of B of A disputing above charges. She said to write a complaint letter and fax to XXXX. 
9. On XX/XX/XXXX, I sent a fax to B of A disputing above charges and requested copy of invoice. 
10. Received a letter dated XX/XX/XXXX from B of A indicating they have initiated a loan modification process instead of responding to my complaint. 
I noticed following charges on my XX/XX/XXXX statement : 11. On XX/XX/XXXX, I was charged with another attorney/trustee fee of {$780.00} 12. On XX/XX/XXXX, I was charged with mailing fee of {$38.00} 13. Received another appraisal report from B of A dated XX/XX/XXXX for loan modification which I did not request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these items fixed on my credit report XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Those inquiries were not Authorized and Customer services representative were not capable to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax Credit Bureau only deleted one account and not the others as I requested.
Product: Payday loan, title loan, or personal loan

I was text an approval letter. I was asked by phone which of the options I would like. I was then told that I needed to provide my username & password for my bank accounts so they could verify my account. I said I was not going to do so, but would be happy to provide pay stubs, bank statements to prove my application was accurate. He hung up on me. I was give the clear impression that I was already approved. I was sent only one text with the attached letter. No additional documents.
Product: Debt collection

Starting the DAY a payment is due they start calling that morning leaving a message saying it is urgent I call them. The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in caps, Saying it is urgent to call them when Im usually only a week or two late on the payment. They always say it is urgent to call them on the date the payment is due. 100 % of the time I have the payment by the end of the month to  them is just where the payment plans is a bad payday for me.
Product: Checking or savings account

On XX/XX/year> ACE Cash Express denied my check cashing transaction and instead applied my Government Assistance check of {$120.00} towards a Stop Payment debt for a check cashed on XX/XX/year>. I received a direct deposit from my employer on XX/XX/year> and XX/XX/year> the check I attempted to cash on XX/XX/year> is from XXXX XXXX that I have received since XX/XX/year> and is the only check I cash every month at ACE. My employer HR department personal XXXX and XXXX have took a look into investigating this stop payment that was performed by there company per ACE representative, but upon looking into this matter no evidence has been presented. I contacted the representative who contacted me regarding this situation at ACE on XX/XX/year> at XXXX to no avail. Instead of helping to problem solve his situation he in fairly quickly passed judgement and was not interested in hearing that this was identity fraud and I have not been there to cash any check before XX/XX/year>. I was already experiencing financial difficulties prior to cashing my check, but this situation has caused me bad score on my credit, difficulty sleeping, eating and loss of wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of an XXXX account by the credit bureaus. Despite re-investigations, the bureaus continue to verify the account as accurate, even thought it was transferred and sold to a collection agency. The last updates were reported as follow : XXXX and Experian XX/XX/2024, and XXXX on XX/XX/2024. I believe this reporting does not comply with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was transferred to Freedom Mortgage after I had a flood and they have been holding on to the last portion of my insurance money for the repairs for over a year. We have been requesting the release since we had to pay out of pocket for these repairs and they have not given an update on the release of these payments. when I send the information they are requesting it is not uploaded to the files. Along with the insurance payment release they have not updated in their systems I have changed insurance policies even though I have a message that the policy information was confirmed. I have been trying to have these issues resolved through their call centers and internal messaging for months but nothing has moved forward. Any assistance would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Solo funds posted two transaction on my account causing it to go negative. I have tried to work with them multiple times to get the issue resolved and have yet to hear back from them. The company had problems with their bank and had to switch. The first transaction post was correct and it was as follows : Solo Funds - {$4600.00} Withdrawal by XXXX XX/XX/year> Ref ID XXXX However, on XX/XX/XXXX the company put this transaction on my account. 

SoLo Funds - {$4600.00} Pending Balance Reconciliation XX/XX/year> Ref ID XXXX This should not have been posted. As such this is causing the company solo funds to with hold approx. $ XXXX plus from me to access. 

I just want this fixed so I can continue to work with them and I seem to be having no luck getting in contact with them.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the multiple attempts to correct the late opening of accounts and the removal of late-closed accounts associated with my account at your esteemed institution. 

I initiated the process to open and close accounts, respectively. Unfortunately, these actions were not processed in a timely manner, leading to significant inconveniences on my part. Despite my repeated attempts to rectify the situation through various channels, the issue remains unresolved. 

I have made numerous phone calls to your customer service department, visited the branch in person, and submitted written requests through your online portal, all in an effort to expedite the resolution of this matter. Regrettably, each interaction has yielded nothing but assurances and promises without any concrete action taken to address the delays and errors in the account processing. 

The impact of these delays has been substantial, affecting my financial stability and causing undue stress. Furthermore, the late opening of accounts has resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I understand that errors can occur in any institution, but the repeated failures to rectify the situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is within my rights to receive timely and accurate service from your institution, and I am disappointed that this has not been the case. 

In light of the above, I kindly request that you take immediate and effective action to resolve this matter. I expect a thorough investigation into the root cause of the delays and errors, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATE

D BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Checking or savings account

I applied for an account on XX/XX/2020 using the Bank of America website around lunch time at XXXX XXXX. I received an email shortly after explaining that the application would be reviewed and they would notify me if accepted. Approximately 30 minutes later I received another email stating. " Great news! We opened the following account ( XXXX ) for you : Bank of America Advantage SafeBalance Banking Account Bank of America Advantage Savings ''. 
Being happy that I had a new account that I could use I began transferring funds into the account. One transfer was from another Bank Account in the amount of {$77.00}. The second transfer was from using the Mobile App, in which i used to Mobile deposit a check in the amount of {$75.00}. 
I went into a Bank of America branch between around XXXX to deposit cash and receive a temporary debit card. I was told that temporary cards didn't exist and that I needed to wait for it in the mail. So I left confused and went home and called Bank of America directly for assistance. I explained to the Bank of America employee that I was very displeased that they did not offer temporary cards and that I was confused that I couldn't obtain my funds unless I waited a week for my card to arrive. The employee on the phone then explained to me that the clerks at the actual branch should have informed that that I was able to retrieve my funds from the ATM. I expressed my frustration and, the employee agreed with me, and I got off the phone. 
About 5 minutes after I got off the phone I went to check the Mobile App just to see if my transfers had completed, and to my surprise, my account no longer existed. 
I called Bank of America back regarding the issue and was promptly told that Bank of America reserves the right to no longer do business with whoever they please according to their Policies. They also explained that Bank of America stated no reason for Closing the account. I then inquired about the money that I had already put into their bank and they said I could have it back in 10 business days. 

Why can Bank of America withhold someones assets and possibly profit from that money? Why can Bank of America approve, and close an account in the time frame of 4 and half hours? Especially with no cause or reason.