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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$240.00}
Product: Checking or savings account

I never got a follow-up response from XXXX at Discover, regarding transactions and a negative balance. She told me they will look back into it and I never received an updated response. It has been over a month.
Product: Mortgage

I have been a customer of TCF Bank for over two years. I have a home line of credit. I enrolled in online banking to accommodate payment. 

Over the course of two years the bank has changed my online banking user name and password, at different times without letting me know. I try and call and have spent more than 2 hours on the phone waiting. I have been able to perform a one time payment, but as of late, that window is gone from their website. Over the past 2 years, the bank continuously has gotten worse, and now I am completely locked out! 

I have been attempting to communicate with this bank for over 2 months to make a payment. Their only response was a generic return email with the online link and no other contact information other than the 1800 umber that places one on hold for days ... literally. Now The online system is not even taking my account number and no one is answering the phone, so I am only left with an automated email that sends me back to the website, and then we start all over again. 

As I write this, I am on my 4th hour waiting and I now, since we are in different time zones, their office is closed. I have a job, I have a XXXX  mother and kids in full shelter in place who need my attention - I can not stay on the phone for eternity. But I mean, who can stay on for days really? I am starting to doubt there is anyone really there. 

The main issue I have is that this will now affect my credit and I have learned from the past just how hard it is for a consumer to challenge that claim. This is completely unfair and I am at the end of my rope! I am tired of this professionalism and if I could, move my loan from this institution as it is gone from bad to extremely horrible.
Product: Credit reporting or other personal consumer reports

While attempting to get a home loan, I was notified that there are XXXX student loans totaling roughly {$100000.00} each. However, this is a dupliacte. I only have XXXX federal student loan totaling roughly {$100000.00} serviced through XXXX. I need this updated as soon as possible. The former loan servicer was Mohela. Thank you!
Product: Checking or savings account

I am writing to express my concern regarding the enrollment of the {$900.00} account opening bonus coupon associated with the accounts I opened on XX/XX/. It was my understanding that the coupon should have been enrolled at the time of account opening. However, to my frustration, it appears that due to a system issue, the enrollment was not successfully processed. 

It wasnt until XX/XX/ 2024, when I called customer service to confirm, that the problem was identified and the coupon was finally enrolled. The critical issue here is that I had already deposited {$15000.00} into the savings account on XX/XX/2024, under the assumption that my coupon had been correctly applied. 

Given the substantial amount involved, I would like to receive a clear assurance from Chase that this {$15000.00} deposit will count towards meeting the criteria for the {$900.00} bonus. It should be chase and the bankers responsibility for assuring their customers that whether they do what customer demand successfully or not. Apparently the chase and banker dont pay attention when their customer request they want to use coupon to open account and they dont give me the informatio in the immediate time when I open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a bankruptcy on my credit report. Bankruptcy shows an address belonging to me that is not on my report. Also, I have disputed the accuracy of the report, as the Bankruptcy court acknowledges that they do not verify to the credit reporting agencies, and the FCRA requires that they verify with the originator of the derogatory item. This information can not be obtained from a XXXX party source. Experian has not shown proof of whom they have verified this information with.
Product: Mortgage

Bayview improperly foreclosed on my house after it ( 1 ) told me to ignore the foreclosure papers and ( 2 ) failed to send me a permanent modification after I successfully completed a trial plan in XX/XX/XXXX. Without my knowledge, it foreclosed on my house on XX/XX/XXXX and is now auctioning it off on XX/XX/XXXX.
I fell behind on my mortgage because I lost my job, but I have since regained employment and am able to afford my mortgage. I received foreclosure papers inXX/XX/XXXX.
I called Bayview shortly after getting the foreclosure papers and asked what I could do to save my house. The Bayview representative told me not to worry about the foreclosure and that it would stop the foreclosure and help me out. Thereafter, I got paperwork from Bayview approving me for a trial modification for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXfor {$1500.00}. My understanding from Bayview was that it would not foreclose on my house so long as I completed the trial plan and that I would receive a permanent modification if I successfully the trial payments. Based on Bayview 's representations to me, I did not file paperwork with the court because I believed it would not go forward with the foreclosure and that I would receive a permanent modification.
I successfully completed my trial plan by making 3 payments of {$1500.00}, reflected as withdrawals on my checking account statement forXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I did n't get a modification in the mail or hear anything from Bayview. My single point of contact left, and the other Bayview representatives were unable to give me any concrete information. I kept making payments at the trial amount, which Bayview accepted. Then, in late XX/XX/XXXX, Bayview started rejecting my payments. I still did n't receive a permanent modification, and I did n't know what was going on. I did n't think I was at risk of foreclosure though since I had successfully completed the trial plan.
Unbeknownst to me, Bayview went forward with the foreclosure of my house and obtained a judgment of strict foreclosure with the court, setting a law day of XX/XX/XXXX. I never got anything telling me about my foreclosure date. I only found out about the foreclosure in late XX/XX/XXXX when a realtor came to my house and told me it had been foreclosed on.
Bayview should not have proceeded with the foreclosure because I successfully completed a trial plan and was entitled to a permanent modification, which I would have accepted. Bayview should not have advised me to ignore the foreclosure action or told me it would n't foreclose on my house, which apparently was n't true.
Product: Credit reporting or other personal consumer reports

I tried getting my transunion credit report from XXXX and I was not allowed to.
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX and believe that this loan violates state and federal usury laws. I financed XXXX and have to date repaid XXXX and still owe over 2,000 to pay it off. I am no longer able to repay this loan and have been forced to close my checking account to stop automatic debits from occurring in the amount of over {$450.00} biweekly.
Product: Payday loan, title loan, personal loan, or advance loan

My bank account fails to connect Typically they pull on pay days. 
I got a charge of {$740.00} when I reached out because Im negative and they pulled on an off week they said sorry they are trying to connect the bank it wont connect. When I asked to return how it was pulled out they said they cant I need to wait with no eta on response. This started last night. Last communication approximately this morning I was told last night to check funds in the morning to see if they posted and come back and they will refund. My account has posted but per EarnIn they dont have that showing on their end and cant help.
Product: Credit card

I have a Kohls credit card. the balance on it has been XXXX for over a month. i have called them and according to Kohls it has been reported already. 
My credit is still showing as I owe them and this is affecting my credit, my ability to get a lower apr for the car loan. I would like this resolved asap.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 section 602 a the right to privacy act united states 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 instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the 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: Checking or savings account

I deposited a check for {$5000.00} into my Citizens Bank account on XX/XX/XXXX. At the time of deposit Citizens put a hold on the deposit for 6 days. The money was paid to Citizens from the check writers account on XX/XX/XXXX which has been confirmed by XXXX XXXX XXXXXXXX, from where the check was written. Citizens currently has the money. Citizens Bank has since put a hold on the deposit until XX/XX/XXXX. I have called Citizens bank many times, including with the check writer and a manager from XXXX XXXX XXXXXXXX. No one at Citizens Bank is able to tell me anything about the hold or why the money has not been released. The manager at XXXX does not see any issue with the deposit or the check. Citizens Bank service actually asked me to call the same number back to get the same information which is asinine. In my opinion Citizens Bank has XXXX reason to have a hold on the deposit and are in essence holding the money hostage. There is no way to cancel the deposit by the check writer because it has already been sent to Citizens and Citizens tells me there is no way to cancel the deposit by myself at Citizens. Waiting three weeks to receive funds from XXXX local banks is unacceptable, even more so having no one at Citizen who can explain to me why they are doing this is unsettling. Please help in any way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I contacted Transunion on XX/XX/XXXX and they would not remove the inquiries. I am requesting that the reinserted inquiries be permanently removed from my credit report. Here are the following inquiries that were deleted and reinserted : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complain against cash app ( block , inc ) due to inadequate customer service and h fair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furtermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation e. Thesecactuons have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX
Product: Mortgage

I registered a complaint on XX/XX/XXXX, XXXXReferencing complaint # XXXX. A representative from CFPB, XXXX, XXXX, XXXX, contacted me to clarify my points. This complaint was filed against Bank of America and my recent mortgage refinance. 
I am not sure if this is the correct avenue to take at this point, but I reached out to XXXX, and not knowing the correct procedure for update or additional concerns, I am writing this appeal. 
As noted in my complaint there were several closing dates assigned to this settlement. The one dated XX/XX/2020 was held at a BoA branch. My husband and I signed documents, which noted the closing date and the disbursement date as the same, XX/XX/2020. As we discovered the mortgage had not been disbursed until XX/XX/2020. It appears this delay by BoA increased our Total Payoffs and Payments ( line item K in the Closing Documents ) to increase by {$3000.00} in our new adjusted mortgage. My complaint is that if BoA had closed and disbursed as documented and signed at our XXXX closing personally attended appointment with a XXXX XXXX XXXX representative, the {$3000.00} would not now be included in our 15-year mortgage total payoff but submitted through our escrow.I was not aware of this change in Total Payoff amount until we received the XX/XX/2020 Closing Documents in the mail. No explanations were offered or given by BoA. 
Overall, this adds to the concern for procedures, delays, and outcomes caused throughout this refinancing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts or inquiries below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
( inquiries ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove the ones listed on the FTC report as well 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information, other than records of 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a security freeze on XX/XX/XXXX to no avail.
Product: Debt collection

I have already contacted the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and put the same Incorrect numbers Back on my credit report
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern regarding the recent response from Experian Information Solutions Inc., dated XXXX XXXX XXXX, which states that they have swiftly verified the inaccuracies on my credit report. It is crucial to emphasize that the disputed information is the result of identity theft, and its fraudulent nature raises serious questions about the thoroughness and compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The expedited verification process, especially considering the fraudulent nature of the information, prompts me to seek further clarification on the procedures followed by Experian. According to my understanding of the FCRA, a credit reporting agency is obligated to conduct a reasonable investigation, including contacting the furnisher of the disputed information, within 30 days of receiving a dispute. The rapid response from Experian, given the fraudulent context, calls into question the integrity and legality of their verification process. 

I urgently request that the Consumer Financial Protection Bureau investigates the expedited verification of the fraudulent information by Experian. It is essential to ensure that Experian followed proper procedures in line with the FCRA and FDCPA during this recent update. 

Enclosed are copies of my correspondence with Experian, including their verification response dated XXXX XXXX XXXX. Your prompt attention to this matter is crucial in safeguarding consumer rights and addressing potential violations in the verification process. 

I appreciate your immediate assistance and commitment to upholding consumer rights in credit reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The data breach from Equifax!! That is what its about and other Data Breaches against me!!! I cant afford a lawyer for this!!! I have identity theft due to that XXXX XXXX is how it started on XXXX acct. Now I have the biggest mess ever, I cant change my SS number because of my XXXX case. I want to talk to the FBI and get my Name changed in Court!!! 
I have people trying to open up loans in my name, people selling and using my name with their pictures on XXXX, I want XXXX XXXX pay for that big mistake on his XXXX company .I asked him to shut it down and he didnt. If it really was him that I talked too!!! I want him arrested for fraudulent activity to my personal life. That is how my identity theft got started, I can get bank acct because Im a high risk to them. 
Please get me a FBI agent that I can talk to and turn over these papers to them about everything I have in this theft!!!!! My info XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX. XXXX, Illinois XXXX
Product: Debt collection

This is insane! 
We sued XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ) for dozens of incidents of harassment and habitability issues. 

As part of the settlement, they waived ALL BACK RENT, but we are now being illegally charged, in violation of the settlement terms! 

I am attaching the settlement paperwork, as well as communication between our attorney and opposing counsel. 

We do not owe this rent and this legal settlement absolutely proves it! 

Also feel free to contact my attorney, contact information below, because this is about to turn into a whole new lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

well the XXXX XXXX  doesn't want to remove the account of my credit report I did a Settlement and they asept it 30 day ago this is the settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX XXXX ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX Total XXXX THE 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