23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I submitted a request to review a Federal Tax Lien on my credit report. All other credit reporting agencies have removed this from my credit report except TransUnion. I called the XXXX and received a release document, and asked that TransUnion follow up and remove this information. They claimed to have done an investigation, and " VERIFIED '' the information as good, no change. This is wrong. I am attaching documents to show that this tax lien was released in XXXX of 2015. TransUnion REFUSES to remove this from my credit report, and I am filing a complaint against them for failing to do so. TransUnion should have been able to verify as easily as I did with the XXXX, and I do n't believe they verified anything at all, they took the entire 30 days to come back and tell me it was verified. They ought to be sanctioned ... ..
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

BMO, which acquired Bank of the West, " voluntarily '' sent me a new credit card bearing their name, per their letter/notice dated XX/XX/2024. The letter states that, " if I don't receive the card within 6 weeks, I should call them. '' I called them just before the end of the 5th  week. Only to be told that I have to go to a local BMO branch for that request. No more explanation as to why. I said, if I have to drive just for a simple task of card replacement, it's better to cancel my account. I'm almost XXXX XXXX XXXX and drive only to get groceries from the neighborhood stores. So, I did not do anything. But I called a couple more times afterwards, however. Same answer - I need to go to the BMO branch. 

Then on XX/XX/2024, I received a bill from them totaling XXXX. For purchases made on XXXX XXXX XXXX charged to the card that I did NOT receive. Among others, there were two  XXXX XXXX 's charges worth more than XXXX! I assume those were online purchases because of the different locations. My purchase history using this card will show that I charged only a XXXX  XXXX  dollars each month. 

This forced me to go to the local BMO branch on XX/XX/2024. Coincidentally, this was also the end of the 6 week period to report that I did not receive the card. 

Here 's my complaint : BMO already knew probably on XX/XX/XXXX or XX/XX/2024, that the purchases were fraudulent so they locked the credit card without telling me, either by phone or e-mail. They " knew '' it was NOT me. Because, why would they lock the credit card of the user making big purchases? Not good for credit card business, is it? And on XX/XX/2024, I received a notice from my car insurance that the auto pay request for my car insurance premium was denied. I still did not know what's happening, by then. Not until I received the bill on XX/XX/2024. 

I asked the local BMO branch if they can reverse ( even temporarily ) the obviously fraudulent charges because it stressed me much that some company wants to be paid, come what may! I was told they can not, because it's under investigation. My other credit card company reversed the charge in question while investigating it and it happened a couple of times. BMO also told me that I can not be allowed to log on into my credit card account for the same reason. 

I have " absolutely '' nothing to do with this problem. However, don't I deserve to know the problem right the moment they knew about it? By the way, the BMO branch personnel said the perpetrator was able answer all security questions. So, that's how he's able to activate the credit card. But I still believe, BMO came short to prevent this problem. They should have notified me for further verification the moment the big purchases were done. My bank always notify me whenever there were bank activities in my account involving large amount. And they can do better if they allow only phone calls to activate credit card. Would help to prevent fraud. 

My Bank of the West ( now BMO ) credit card last 4 digit number is XXXX. I attached copy the bill. Thank you very much for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and noticed a credit card on my report that i did not apply for and had no knowledge of, it is fraudulent and i need it removed as soon as possible as it is affecting my credit and well being, i noticed this fraudulent account XX/XX/2023, XXXX XXXX XXXX the amount is XXXX $ i have contacted coastal prosper and have not been helped in any way
Product: Mortgage

My home mortgage was transferred(unknowingly to me) to Mr Cooper. Since the transfer they told me that my auto pay would not transfer from my old company. During this time my old company, XXXX XXXX, took the normal mortgage payment out of my bank account. Mr. Cooper then began asking me to make a payment. I told them that XXXX XXXX already took the payment from my account. Mr. Cooper then told me that was okay and they would get the payment from XXXX XXXX. I then received a phone call a few days later from Mr. Cooper. They told me that my auto pay had transferred from XXXX XXXX and that my auto payments would start in XXXX  as my XXXX  payment had already been paid to XXXX XXXX. On XX/XX/19 Mr. Cooper sent me an email saying they had taken my mortgage payment out of my account. I called them and they said it was just normal business and they would try to fix it, but I was not allowed to speak with a manager or get anything in writing saying that they would fix it. They then told me that if I don't want to be double charged then don't use their auto pay. I have been calling trying to find my money and speak with a manager, but I have not had any luck yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any other following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 that the information is inaccurate.
Product: Money transfers

I set up a new account with a company named Simple, I went through the process to start a wire transfer, confirmed the mirco test deposits as they requested. Then set a transfer from my old bank of {$500.00}. Set to deposit in my Simple account on Monday XXXX The money is not there and Simple refuses to tell me anything at all. They have demanded documentation including my social security number photo id and old bank statements from 2 months ago. They still refuse to give me any information they have hijacked my money.
Product: Checking or savings account

I closed my account and withdrew all funds on XX/XX/2018, at the XXXX XXXX of Bank of America at XXXX XXXX XXXX, XXXX XXXX. While the teller confirmed my account was closed, they did not close my account, and on XX/XX/XXXX, a previously scheduled payment was attempted on my account. Because the account wasn't closed, I have been hit with a {$35.00} NSF fee ( which i have paid under protest until I can get it refunded ), but when I contacted bank of america they refused to close my account over the phone and denied that I ever closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company many times asking them to validate everything on my credit report and to furnish me with the original documentation/ invoices so that I may take the next step. This company has refused to send me what I have requested, yet still states that the information has been validated. This has not only caused me distress but embarrassed me as well as the reason why I was checking my report in the first place to move to another place. I was denied due to what was seen on my transcript. This company has continuously refused my pleas to send me proof of how these erroneously accounts are being verified.
Product: Student loan

I submitted an application verifying my employment on XXXX XXXX, 2020. I received a response from FedLoan on XXXX XXXX, 2020 informing me that the form was missing required information. I reviewed the form that I provided to FedLoan, and it has the required information. ( FedLoan has a feature where the customer can review previous file uploads. ) I've since resubmitted the form, but I'd like to ensure that the form is properly reviewed.
Product: Credit card or prepaid card

I made an extra payment to my XXXX credit card on XX/XX/2021 they have not posted it. my payments take only 4 days usually
Product: Mortgage

I applied for a mortgage refinance with Sofi on XX/XX/XXXX. Throughout the process, Sofi caused my credit score to drop unnecessarily due to excessive credit pulls caused by closing delays. Specifically, Sofi pulled my credit 6 times ( dates of pulls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I submitted a CFPB complaint about the excessive hard pulls on my credit and Sofi provided a Response in XX/XX/XXXX. In the response, they stated : " Upon reviewing your account, we confirmed that there were a total of four hard credit inquiries obtained throughout the process. We are currently working to have two of them suppressed, which will completely remove them from your credit file. Please note that the general timeframe for this to be handled by the credit bureaus is 30-90 days. '' It is now 200 days after Sofi 's response, and as of today, my credit report still shows 5 inquiries. Attached is a copy of my credit report from Sofi 's own website. The attachment states that there are 5 hard inquiries, on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Based on this, it is clear that Sofi only had one ( 1 ) pull removed from my file ( the pull from XX/XX/XXXX is no longer showing ). 

Sofi should remove the following specific credit pulls : 1. XX/XX/XXXX, 2. XX/XX/XXXX, 3. XX/XX/XXXX. The pulls on XX/XX/XXXX and XX/XX/XXXX were unnecessary because Sofi had pulled credit on XX/XX/XXXX. The pull on XX/XX/XXXX was unnecessary because Sofi had pulled credit on XX/XX/XXXX. 

There is no reason to pull someone's credit 4 times in one week ( XX/XX/XXXX ) or 2 times in one week ( XX/XX/XXXX ) for one single credit extension/transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last several months, I have sent in complaints because you are not removing this false bankruptcy. You can not report false information about me, especially when you can not provide any documentation to support this false bankrtupcy record.
Product: Vehicle loan or lease

The company reported inaccurate late payments to my credit report which has damaged my credit score. I did not authorize these reports because I had no knowledge of them doing so 15 U.S. Code 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with experian XXXX and XXXX putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.
Product: Mortgage

We have been working on a short sale for this client for over 6 months. In XX/XX/XXXX we submitted an offer for the short sale review. It has taken the lender since then to issue the FHA Approval to Participate, and they issued it with a requirement for a seller cash contribution of over {$14000.00}. The borrowers simply do not have this kind of money laying around. I asked how they calculated this amount and was told they were looking at the bank account balances. When I totaled everything, the assets were closer to {$20000.00} than the {$79000.00} the lender thinks the borrower has on hand. They then calculate a percentage of this for the contribution requirement. The cash contribution should be more in the neighborhood of {$2500.00} based on current bank balances, however the lender says they based the numbers on the XX/XX/XXXX bank statements. In one account in XXXX there was a {$38000.00} deposit made. That was from the sale of a business truck when the borrowers had to close down their failing business. They owed the franchise company ( XXXX XXXX ) for inventory and {$24000.00} of that was paid out to XXXX within a couple of weeks. This payment was reflected on their XXXX bank statement which was submitted to the lender at the same time as the XXXX statement. So the lender could see from day one that this borrower did not have that money any longer. Still, they used that amount in their calculation. The borrower is facing certain foreclosure due to this because they do not have {$14000.00} to pay at closing and can not borrow it from anyone. We need the lender to recalculate the contribution amount so we can get the short sale offer approved and move to closing
Product: Checking or savings account

US Bank closed my account after a fake loan company deposited a bad check into my savings account in XX/XX/XXXX. I filled out several pages of identity theft paperwork notarized affidavit, name of loan company, phone numbers, etc. US Bank closed my account after that with a charge off due for the bad check amount, ruining my credit score. In XX/XX/XXXX my score was XXXX in XX/XX/XXXX my score plummeted to XXXX. Please help.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, as Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I have a employee that obviously wrote a bad check to XXXX. XXXX XXXX XXXX XXXX has been calling my business stateing to one of my employees that I have written a bad check to XXXX. Obviously this is incorrect information not to mention it's embarrassing. It's my understanding that this sort of thing is not permited.
Product: Credit reporting or other personal consumer reports

That my correct name is XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX, address is XXXX XXXX XXXX Banning CA XXXX. 
No other names or aliases or addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.
Product: Debt collection

There are many medical bills listed on my EQUIFAX account in collections such as optimum outcomes and a few more. However XXXX and XXXX have both removed them due to the hippa violation act! I have tried several times to get the items from collections removed by using 609 letters and HIPPA letters but nothing has changed. My next step will be to take them to court.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

On or about XX/XX/2024 I came to a local Citibank office to wire transfer but it was declined for wire transfer! As a result, I got an upset and request to close my checking account ... after that on or about XX/XX/2024 and few days later, I received a letter stated on that date that my account is automatically closed and my checking balance funds shall mail to my address but since XX/XX/2024 to date, no refund has been made by the Citibank and I called its relevant Citibank customer service, fraud department ... to ask for refunds but all attempts are not successfully!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXBalance {$0.00}.
Product: Mortgage

TIAA Bank in XXXX Florida has both of my home mortgages and I am in the process of selling 1 home. We close on the home in 8 days. I was never notified that TIAA Bank sold my mortgage to XXXX XXXX XXXX in XXXX XXXX, VA. I needed to obtain a payoff statement and make sure the last payment via direct deposit was received so we have accurate payoff amounts at closing. I was informed that TIAA bank at that time of my call was in the process of selling my loan and that I would have a new loan number with XXXX XXXX XXXX. I was unable to access my accounts through TIAA Bank as they said XXXX XXXX was now managing it, then I called XXXX XXXX XXXX and they told me that they we are in a " black out '' period and they have no information on my Loan that I should wait and see next week. Next week we are closing. I have escrow payments and history of payments that I can not access at either banks. This is not a seamless transition and I have no way of getting my loan, payment, insurance, property tax information and have no where to get this information. This is causing great stress and concern of where my money is and who is monitoring this and how can I get access to my loan information before we close in a matter of days. XXXX XXXX XXXX is no help