23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall
furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX transactions to my wife from my Bank of America business account to her phone number registered at Bank of America personal account ( also in my name ). I sent a test transmission of {$1.00} to confirm the process was done. I subsequently sent 3 transactions and : the funds left my corp account and was never recieved by the personal account. I called Bank of America and they told me that it takes 10 business days to resolve. I waited until the XXXX day and the they are now telling me : The process can take XXXX business days, and the " claim '' can be denied. The supervisor / manager in the dept told me today, if it is denied, my only recourse is to get an attorney and sue them and XXXX. I really don't find this as a satisfactory answer for what all appears to be a glitch in their system. 

CLAIM NUMBER WITH BANK OF AMERICA IS : XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and notice that. there were some unauthorized inquiries. This is negatively affecting my credit and hindering me from being able to purchase my first home. According to the FCRA this is a violation. These are the inquires as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is defamation of my credit reporting history please remove.
Product: Checking or savings account

Please refer to XXXX for my original complaint and documentation. I am writing this new complaint because according to my records, I am still owed {$2000.00} from the digital claim. There were 3 unauthorized XXXX and 1 XXXX transaction to people that I do not know. I recently received notice from XXXX that my account was going to be restricted because they noticed suspicious activity. 

XXXX at Bank of America reviewed the debit claim, which was paid for {$10000.00} ( {$9000.00} in XXXX, {$1800.00} in XXXX XXXX XXXX XXXX, and XXXX ). XXXX can be reached at XXXX. He said a claim was placed for digital on XXXX and that they still owe for the XXXX and XXXX transactions. The claim for this ( ending in XXXX ) says it was paid when it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX Balance : {$84000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion performed an investigation on XX/XX/2023 related to the account XXXX XXXX XXXX XXXX XXXX # XXXX. The investigation results indicated that the BALANCE = {$1900.00}, the PAYMENT STATUS = 120 days late, and there are THREE 90 days late payments. All the previous data is incorrect to include the balance, payment status and payment history. I do not have a balance, I am not in a late payment status and I have never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, even while knowing that the information that they have on our mortgage account is incorrect, sent in this wrong information to the credit reporting agency, causing our credit scores to plummet at the same time that we are attempting to refinance our mortgage loan. 

XXXX has incorrect information about our property tax escrow account -- we had already appealed this information and had the corrected tax documents sent from the District of Columbia to XXXX XXXX   ( who previously held our mortgage ). XXXX bought this mortgage, ignored the corrected tax information, and then reported out accounts as delinquent. We contacted XXXX immediately upon learning that their information was incorrect, but they still went ahead and reported the account delinquent to the credit reporting agencies. 

We are attempting to refinance our mortgage, however, XXXX 's actions are causing us both direct financial harm and preventing us from leaving XXXX 's portfolio.
Product: Credit reporting or other personal consumer reports

I have been trying to remove multiple fraudulent accounts off my credit report since XX/XX/2023 and I have made multiple police reports and ftc reports and they have not removed are blocked the information yet I have provided my documents verify my identity and still the fraudulent accounts are still on my report
Product: Vehicle loan or lease

On XXXX, XXXX I bought a car form CarMax, in XXXX, CA. 
They arranged for the financing, and while I was the office I was given a financing offer. 
Then 2 days later the sales person called me and told me that they now needed an additional down payment in order to keep the interest rate as low as it was. I told the sales person that I didn't have additional money, and he then told me that interest rate was going to go up. 

I was XXXX years old and didn't know better, so I thought what they were doing was normal. I made my payments on time until XXXX, XXXX, and then I was unable to keep up with them. I called them and asked them if they could give me the deal they had given me at first, try to do something to help me stay current with my payments, but I never heard back from anyone. Instead, the collection department was calling my phone, non-stop, harassing me to get me to make the payments. 
I was so scared that they were going to take me to jail, like they said, so I went and dropped off the car back, thinking that would solve the problem. Now I have a bad report for that account on my credit, because of that. I am a single parent, and I struggle so much, trying to secure housing because of my credit report.
Product: Credit reporting or other personal consumer reports

I have been trying so hard to get equifax to do their job and work my accounts properly which means attaching my FTC reports etc
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditor 's customer service representative.
Product: Checking or savings account

Me and my XXXX siblings were given a check in an amount over {$10000.00} from a family friend. On XX/XX/2023 I walked into PNC Bank to open up a bank account and use that check as my deposit. The process went well but that evening I got a text stating that the check will be put on hold until five business day. I received a letter dated XX/XX/2023 stating that my check would be released the fifth business day.On the six business day, my check was not released which made it XXXX XXXX. When I asked why they are saying that theyre going to hold it for another five business days and that they need to get in contact with the person who issued out the check then they gave me a reference number stating that I call ( XXXX XXXX XXXX XXXX the bank who it initially came from to call PNC XXXX they are also telling me if they never get in contact with the person who issued out the check, they will hold my money
Product: Credit card or prepaid card

Dear CFPB Mediator, I filed a complaint # XXXX on Bank of America credit card with regard to being tricked out of my card opening bonus of {$300.00} on XXXX. 
I received an email on XXXX from Regulatory Complaints Dept. of Bank of America, which says, Our Regulatory Complaints team has received correspondence on your behalf from the CFPB. I am your dedicated point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXXto confirm that information. 
Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday through Friday, XXXX XXXX XXXX XXXX XXXX. Pacific. 
I called the number in the email 5 times during Monday through Friday, XXXX XXXX XXXX XXXX XXXX Pacific. Each and every single time, I was directed to a voicemail, and there is a warning message, saying the number belongs to a collector. 
This seems further trick on me. Im very sorry that Bank of America credit card uses a collector to deal with clients who file CFPB complaints against it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX requested deferral under the Cares Act due to loss of income XXXX approved for 3-month deferral beginning XX/XX/XXXX through XX/XX/XXXX XX/XX/2020 XXXX begins the process of requesting an extension XX/XX/XXXX through XX/XX/XXXX follow up multiple times a week to request status of the appeal and provides any and all requested documentation XX/XX/XXXX receive letter denial of extension XX/XX/XXXX began process to appeal denial XX/XX/XXXX lender requests additional documentation XX/XX/XXXX call XXXX have conference call with XXXX and my attorney due to no update on status on appeal XX/XX/XXXX property is sold XX/XX/XXXX XXXX sends satisfaction of mortgage letter XX/XX/XXXX begin purchase of property in Texas XX/XX/XXXX lender contacts me to provide documentation of forbearance as credit bureaus show the account was closed as 120 day late XX/XX/XXXX call XXXX requesting letter showing forbearance period XX/XX/XXXX call XXXX for status on of my forbearance letter, told XXXX decided not to send letter and was just correcting bureau. Told XXXX to send letter I requested, was told would be getting response in 48 hours XX/XX/XXXX receive letter stating that they completed a request to take the forbearance of the mortgage ( which was not requested ) and payments to begin XX/XX/XXXX on a mortgage that is paid off and closed XX/XX/XXXX call XXXX with mortgage broker to get his assistance to have them correct the account. XXXX stated they have 30 days since I called on XX/XX/XXXX to correct the account status with the credit bureaus. When requested documentation be sent to me for proof of what the agent stated on the call. She hung up.
Product: Credit reporting or other personal consumer reports

I understand that accurate and complete credit information is crucial, and I believe there are closed accounts on my credit report that should no longer be affecting my consumer credit score. According to the FCRA ( Fair Credit Reporting Act ), it is the responsibility of credit reporting agencies to provide fair and accurate credit reports to consumers. Section 15 U.S.C. 1681 ( A ) emphasizes the necessity of accurate information and states that consumers have the right to dispute any inaccuracies or fraudulent information they find in their consumer credit reports. 

I have reviewed my credit report and identified the following closed accounts that I believe should be removed : 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: Credit reporting, credit repair services, or other personal consumer reports

attached is the XXXX XXXX XXXX XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX  number XXXX XXXX XXXX XXXX # # # #, is reporting Has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have/had an account with XXXX XXXX and I had file a chapter XXXX wager earner. the following year i had drop it and start paying out of pocket again. But later, I notice the had a repo on my credit report but I was paying and driving the car. And it was showing closed. Now, they reopen the account on my credit and mark it as a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found myself in an unwarranted financial crisis with a company named FLURISH INC DBA LENDUP. On or about XX/XX/XXXX, I obtained a loan through this company to rebuild my credit. Shortly thereafter ( XX/XX/XXXX ), I changed banks and multiple attempts to contact LENDUP to update my account to reflect my new account changes went unanswered. Between the months of XX/XX/XXXX and XX/XX/XXXX, countless attempts to contact LENDUP were made. Additionally, LENDUP has not reached out to me neither. 
As of XX/XX/XXXX. 2 + years later, any and all attempts by me to make contact to pay this debt has failed. Every month, Lendup relentlessly updates my credit report with 120-149 Days Late, which has destroyed my credit score. 
My most recent and probably my last attempt to reach out to LENDUP was yesterday XX/XX/XXXX. Four different approaches were used to contact them ; 1 ). email ( XXXX ; XXXX ), 2 ). Online submit @ https : //www.lendup.com/contact ), 3 ). Cellphone, and 4 ). Attempted to create a new account to gain access to their system, however the system states the SSN submitted is already in use, prompting me to log in using a different account. Each time I send an email, I receive a system generated email response that states, Thank you for contacting us! We're currently experiencing higher than normal response times via email. Please note if you are not logged into your account, response will be delayed further. 
I have exhausted all efforts to contact this company. It is in my professional opinion that FLURISH DBA LENDUP is in violation of the Fair Credit Reporting Act. Furthermore, I feel FLURISH DBA LENDUP is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. The company has not given me the opportunity to repay this loan as I promised, to build credit and provide access to cheaper loans, as it claimed. My family and I are struggling tremendously with higher interest rates and I am unable to obtain a loan for a house or vehicle.
Product: Mortgage

Hello, CFPB : In XXXX of 2021 I made an extra principal payment that my mortgage company, PennyMac Mortgage Services, LLC mishandled. I was charged an extra interest payment and an extra escrow payment and my principal balance was incorrectly calculated.

I have contacted the mortgage company, PennyMac, who have told me that they will " correct '' the problem. However, I felt that their response was weak and non-specific, and when I asked for the address of the Consumer Financial Protection Bureau, the agent said he did not have the address and had never heard of the agency.

In addition to the misapplication of my principal reduction payment, which was erroneously applied to my account and did not reduce the principal that I owed to the correct amount, I have had trouble for the past several weeks accessing my account online, because the PennyMac website fails. After I enter my user ID and password, I get a screen that says, " Sorry! we're currently under maintenance. Our team is working quickly to bring the site back online. We apologize for any inconvenience. Please try again later. Thank you for your patience. '' This problem has existed for at least three weeks, and it makes it much harder for me to determine what is going on with my account. When I asked the PennyMac customer service agent if he could give me an estimate for when the website would be fixed he could not.
Product: Mortgage

I contacted Select Portfolio LLC ( who have held my original mortgage for 9 years ) to try and refinance through the HARP LOAN process. This request was to be completed within 3 months. I am a XXXX and had some trouble keeping a " stable '' job for a little over 2 years. During this time, Select Portfolio lowered my payments ( to {$820.00} ) while I was pursuing a career in XXXX and XXXX at XXXX College and XXXX College ( XXXX ). After completing the schools, Select Portfolio resumed my original note payment of {$1500.00} per month. I also have a {$190.00} per month HOA payment. I can not make these payments ( even though I rent to XXXX person for {$400.00} per month ). I now have a ''stable '' job ( also Oil Royalties averaging {$600.00} per month ) and know I could make loan payments of {$1000.00} per month plus my HOA payment. I have been making {$1500.00} payments for the last 9 months at the original rate of 8.3 %. Select Portfolio has stated over the telephone to me and my accountant that the information requested would complete the loan application and that they could let us know within 5 business days of theoutcome of the HARP loan applied for. They requested more information after making these statements XXXX different times. The continual lack of honest communication concerning my loan has affected my mental health. Select Portfolio also calls and uses abusive techniques concerning my monthly payments. I have withheld my XX/XX/XXXX payment because of the handling of my HARP loan. My credit score is poor and I do not know why they continue asking for more current information and processing this loan if, in fact, I do n't qualify. This continued pursuit of this loan is showing a complete lack of good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company illegal has fraudulent information on my credit report. These should have already been deleted from my credit report. I sent them 3 letters already and no response over 90 days now and attached is my proof. These items should have never been on my report and the company had plenty of time to delete them but haven't Delete XXXX and XXXX XXXX off my credit report.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX REPORT 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

First of all I would like to say that I am uncertain which category I needed to select, but I believe several would qualify. OnXX/XX/XXXXandXX/XX/XXXX I wanted to see what Bitcoin was all about. I thought I had an understanding, but clearly do not with regards to Coinbase. I purchased {$400.00} total via a XXXX credit card. I have had issues with Support from Coinbase from the get go! You can get NO SUPPORT from this company. I submitted support requests online, only to get automated responses that there is a delay in getting your issue or questions answered or resolved. I have called the Customer Support #, only to be on an eternal hold and no one answers. I want to close my account and will forfeit any profit made thru Coinbase. I was unaware that I would be required to submit a picture of my photo ID, front and back, to Coinbase .... and I am unwilling to do so for fear of my identity being stolen. 
I believe Coinbase is operating fraudulently and should definitely be looked at or closed down! 
Thank you! 
XXXX XXXX XXXXXXXXXXXX