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

I have an ongoing complaint with your agency that ties in directly with my new complaint as I am being completely ignored and robbed of my rightful funds and this problem is now working on year number XXXX. As stated in my other complaint for now XXXX years plus I have disputes multiple transactions made with a Bank of America XXXX XXXX XXXX  debit card without a security chip ( this is due to the banks negligence of not offering them for XXXX XXXX customers only " regular '' bankers, which is extremely insulting from the start ). See XXXX complaint CFPB ID XXXX which is still in progress sans a solution due to BOA asking for extended resolve time. However a few of the charges were finally returned only to make 3 days worth of call to them trying to get an update as well as access my funds and being told they can't verify me, yet asking me nothing but my name, being shifted from XXXX rep to the next, getting hung up on over half the time ( today after being on the phone with a rude woman from Oklahoma for XXXX mins ). Finally I was able to find out I could get a XXXX XXXX of XXXX dollars a maximum of twice in a XXXX week period. After XXXX hours on the XXXX and XXXX XXXX XXXX rep was finally able to verify me ( even though until I filed the XXXX complaint with your agency I've never had an issue doing so ). When I called to get the second and after XXXX XXXX and XXXX hours I was told they couldn't tell me the issue, they can't let me into my online account, they can't discuss anything, they can't release funds, that there is no supervisor nor manager after I repeatedly asked them was put on hold only to be hung up on with XXXX attempt at a callback. I am at my wits end with these people and should be entitles to my money after all this and now I'm being shunned all together as some of my returned money just sits in their bank. It's insane. Thank you so much. XXXX XXXX XXXX
Product: Credit card

I did a balance transfer and spoke with a representative because there was concern with how the balance transfer amounts online did not show what was showing on the statements ; therefore if you did not keep up with it and went off the website verses the statement you will be surprised. Representative confirmed the amounts owed for XXXX - XXXX balance interest XXXX by XX/XX/XXXX ( more than the XXXX showing online ), and XXXX - XXXX balance interest XXXX by XX/XX/XXXX. On XX/XX/XXXX, paid XXXX ; XX/XX/XXXX I paid {$1700.00}, and on XX/XX/XXXX {$150.00}, and XX/XX/XXXX XXXX. Fast forward, I was reviewing the statements and I see the XXXX had a balance of XXXX, and I had paid over the amount due, so why is there a balance? I contacted Citi because I was unable to do a dispute online, and spoke with Representative ( XXXX ) ; the XXXX one was horrible, requested a supervisor and she place me on a long hold. I used my landline to call back and spoke with another Rep who was trying to say I had to make a payment before paying the balance transfer. I provided the dates of payments and he apologized and said he would have it corrected to show the XXXX XXXX paid in full. I go look today and it shows a balance still and I was charged again interest for something that should be a XXXX balance. I want this corrected as I paid more than what was required to show a XXXX balance, and to date it still shows it is not.. I held my end of the deal you would think they would too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..
Product: Debt collection

This debt is not mine, my account was subjected to fraudulent activity I provided a letter for TRS to recover to prove this debt is mine they still havent provided Im a victim of identity theft/forgery.
Product: Vehicle loan or lease

Palisade funding violated our agreement of the loan contract and refused to pay
Product: Mortgage

I usually pay my loan payment early, but I lost {$350.00} dollars income because of the pandemic. I called 21st Mortgage to ask them to work with me, they would not. So I finally got the money together and I paid my loan payment on the actual due date. They charged me {$290.00} finance charge because I did not make a payment in XXXX. But I paid my XXXX payment in XXXX and my next payment was not due until XX/XX/XXXX. I did not miss any payment and was not late making my payment. They said it was because I did not actually make a payment in the month of XXXX. Can they legally do that? I only found out because it caused my credit score to go down and got a notification. Is there any way they can be made to remove that finance charge. That is not fair.
Product: Bank account or service

In the past I had a bank account with Bank of America. Back in 2015 I had an account with XXXX bank that I had to close due to my account being compromised so I opened a new account. I accidentally deposited a check into my Bank of America account from the closed XXXX account in error. When I realized the mistake, I made I contacted the bank and made the situation right as soon as possible. ( no funds are owed to BOA ) I made sure my account was cleared of all fees. I received a letter from Bank of America closing my account due to fraud. I called to explain the mistake and they told me that they put me on XXXX and there is nothing I can do about it. I have been fighting this for 2 years with no resolution. I no longer want to bank with them but would like to have the option to bank with someone else which I am not able to as I am on a fraud alert on XXXX. I do n't think a mistake which I owned up to and made it right instantly I should n't be punished for 5 years because a bank feels that they are right with no recourse. I have spoken to managers and supervisors and they all tell me this ca n't be removed. I need to send a letter to them. I have done that and the letters go un-answered and recently received a response because I reported them to the XXXX. The answer is they still refuse to remove it. I really do n't want to hire an attorney but I may not have any other option.
Product: Credit reporting or other personal consumer reports

Public records have the wrong information on home XXXX XXXX XXXX XXXX as far as it have assumable loan instead of VA loan
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I sent a dispute to all 3 Credit reporting agencies ( XXXX, XXXX, TransUnion ) saying my personal information listed on their reports were wrong. The did not update any of the information. The only correct information that any of the 3 agencies had been : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX All other information listed was incorrect or not accurate and I wish to have them deleted : All other Names All other Addresses Employers Mother 's Maiden Name The only information that was accurate is what I stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And transunion is the only place it remains. I would like them to follow suit and remove
Product: Credit reporting or other personal consumer reports

Incident Summary On XX/XX/year>, I visited XXXX with my partner to discuss mortgage options in light of my new financial situation. During this visit, I was referred to XXXX XXXX at Wallick & Volk as a potential resource. On XX/XX/year>, I reached out to XXXX via email, clearly explaining that I was looking for information and guidance about the mortgage process as a new business ownernot actively seeking a loan. 

Initial Communication Between XX/XX/year> and XX/XX/year>, we corresponded to schedule a phone call to discuss these questions further. XXXX instructed me to create an online profile with Wallick & Volks platform. During this process, I was asked to provide information and upload documents. It became evident that this was actually a mortgage application, not a preparatory step for our discussion. One document required my consent for a credit check, and I explicitly declined. I confirmed my decision by selecting the option to opt out and ensuring it was recorded in the system. 

Unauthorized Credit Pull On XX/XX/year>, during our phone call, which began shortly after XXXXXXXX XXXX I started receiving email notifications from my banks informing me that my credit had been pulled. I immediately asked XXXX if she had run my credit. She confirmed that she had. I reminded her that I had explicitly opted out of the credit check and read aloud the relevant language from the agreement PDF, which documented my decision. Instead of addressing my concerns, XXXX dismissed them. She asked questions like, " What are you so worried about? '' and " Do you have a big purchase coming up? " remarks that were both invasive and deflective, rather than acknowledging the issue. 

Resolution and Next Steps I reiterated that I had no intention of proceeding with Wallick & Volk, as I could no longer trust someone who disregarded my explicit instructions. Later that day, I downloaded a copy of the agreement, which clearly shows that I declined the credit check. 

XXXX actions were unauthorized, dismissive, and unprofessional. Pulling my credit without my consent is not only a violation of my trust but also potentially a breach of consumer protection laws. I am seeking resolution and accountability for this unauthorized action, to both myself and my partner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a request to delete the account on XX/XX/2021 to XXXX and transunion and then a demand to comply after 30 days on XX/XX/2021, there has been no action on the investigation
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance :
Product: Checking or savings account

I was overcharged for my moneylion plus membership for XXXX, XXXX, and XXXX in the amount of {$79.00} each month with {$50.00} put into an Investment Account. 
I have since paid {$19.00} for XXXX, XXXX, XXXX, and XXXX. 
My most recent payment on XX/XX/2019 has been successfully deducted from my Moneylion checking account and it has not been applied to my membership and it says my membership is on hold although they have been successfully paid days ago.

My money, which is in my investment account, {$260.00}, the company refuses to let me withdraw my money and close this Investment account which is what I would like to do. I was also charged an admin fee of {$1.00} on XX/XX/2019. 

I was also advised on a recorded line that the lionshare rewards are supposeed to be deposited into my bank account, but they have put the funds into the investment account that they are not letting me withdraw from in the amounts of {$1.00}, {$1.00}, and {$2.00}. 
Whenerver I attempt to reach them by phone, I receive long hold times and almost never reach anyone. I have been told I would receive a call back and not been called back. this company has the worst service ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX  is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX  is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX  is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

I was absolutely stunned to find inaccurate accounts on my credit report this morning, and I cant fathom how this happened. I check my credit report regularly, and suddenly there are discrepancies that Ive never seen before. I even tried refreshing my browser, hoping it was just a temporary glitch, but nothing changedthe inaccuracies are still there. Because of this alarming situation, I urgently request that the documents I submitted be thoroughly reviewed, so I can finally feel secure and at ease.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX Incorrect Name XXXX XXXX, XXXX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER - XXXX XXXXXXXX
Product: Mortgage

My mortgage company XXXX Carrington Mortgage XXXX sent out XXXX Premium Insurance payments to the wrong insurance company and will not get our money refunded back into our account. Our escrow showing negative which has made our house payment go up. All we want is our money refunded and put back into out account. We have lived in our house about 14 Months and have had about XXXX Insurance checks go out, when only XXXX should have gone out for this years Insurance Premium. When we signed papers for our home, our title company paid the first years Premium so the only check that should have went out was this years Premium XXXX which was sent to the wrong insurance company ). Also, in the process of all this my homeowners insurance was cancelled twice.
Product: Debt collection

I moved into a new apartment in XX/XX/2020. I had XXXX cable TV and Internet service installed on XX/XX/2020. The internet never worked from the day it was installed. I called customer support and they had 5 different technicians over to the apartment to try to fix the internet service. The service techs indicated that this particular building is a " known problem '' to XXXX and many other residents also experienced the same problem, namely no internet service. As this was over the covid crisis and I was required to work from home and required to use the internet for my job function, I was financially harmed as my employer refused to pay me since I could not get my work done online and had to drop off work files instead which my employer could not eventually use. I was financially harmed and lost income of over {$15000.00} during the two months the internet did not work. XXXX kept promising to adjust the bill and credit my account for {$120.00} each full month that I was billed for internet. I called XXXX over twenty times to speak to a billing manager but was always advised that no one was available and was assured that a billing manager would call back to properly adjust the bill for the lack of internet service. I never received any response from a XXXX representative or billing manager. I request a credit of {$300.00} for the internet service that I never received, yet XXXX continued to bill me for. I terminated XXXX on XX/XX/2020. I called XXXX XXXX and they installed internet service for me that has worked perfectly since it was installed. See attached work orders for XXXX technicians that were never able to correct their failure to provide internet service. I am being harassed by Sunrise Credit services, a collection agency that XXXX is using to collect the fraudulent charges they have billed me for. I never received internet service, yet XXXX continued to bill me and refused to issue a credit. I believe this constitutes consumer fraud and respectfully exercise my legal rights under the Fair Credit Reporting Act. 

Thank you
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/XXXX the following items were sent to XXXX : 1 ) XXXX XXXX XXXX  ) XXXX  3 ) Utility Bills 4 ) Taxes XXXX XXXX ) Annuity Income Statement. ( All attached here. ) They were sent via 4 separate ways : two fax numbers XXXX XXXX & XXXX ) and to two separate email addresses which included the assigned negotiator ( XXXX XXXX XXXX ). 


XXXX and its employees never attached the documents to the file. We have called multiple times and had it escalated XXXX multiple times ) to be attached immediately, but AFTER THREE WEEKS XXXX STILL HAS DONE NOTHING ON THIS FILE. 


This is not acceptable. XXXX is violating their servicing guidelines and this is causing harm to their investor and the borrower. I want the documents attached to the file immediately and for XXXX to continue their review with no further delays.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : IXXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX.