23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX I was at the market purchasing my groceries and my XXXX debit card from Bank of America was declined. I tried logging in to my bank account and I wasnt able to login. I called Bank of America for help and the gentleman said I had XXXX amount in my account. My bank account had {$5200.00}. I asked him if I can login because I didnt make any large purchase and that there was a fraud on my account. They asked me several questions and from what I remember the last purchase I made was at XX/XX/XXXX from One sol. I wasnt able to log back to my account and see the transactions. They said the investigation will take 45 days and they will send me a new card. On XX/XX/XXXX I called Bank of America because I received a letter stating that there was no error on my claim and they consider it resolved. I spoke to lady name XXXX and made another reconsideration to the claim. I asked if I can know where the transfer or transaction was made but she said that she wasnt able to tell me but advised me to file a police report. On XX/XX/XXXX I made a police report of a grand theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.
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 XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 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: Debt collection

Bankruptcy CHXXXX in XX/XX/XXXX, last payments XX/XX/XXXX. Had acct w/Beneficial/Household Finance in XX/XX/XXXX. Paid XX/XX/XXXX. I do n't remember this but Bankruptcy CR in XX/XX/XXXX showed another loan opened in XX/XX/XXXX for {$15000.00}. This XXXX not shown on XX/XX/XXXX XXXX. Payments were made to Beneficial thru the court starting XX/XX/XXXX with last being XX/XX/XXXX. This acct not shown on XXXX XX/XX/XXXX. As of XX/XX/XXXX a new account appeared delinquent on XXXX from XXXX, opened in " XX/XX/XXXX '' last pymnt XX/XX/XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX  XXXX XXXX on XX/XX/2022 off XXXX report or provide proof in writing within 30 days
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiries. I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Acct # 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
Product: Mortgage

In order to increase the privacy of my home, I allowed my uphill neighbor to build his fence 10 feet onto my property. This allowed him to plant trees and shrubs on the slope above my house to provide more privacy for him and me. I asked my mortgage company to allow us to change the legal lot line to conform to reality, I first contacted them about this change in XXXX of XXXX. They sent me two forms, form XXXX describing the change requested and Appraisal XXXX form authorizing them to send an appraiser ( at my expense ) to look at the property to see if relinquishing the land would devalue the collateral. I signed and returned the forms. They received these forms ( Return receipt requested ) on XX/XX/XXXX. They have not done anything tomove the transaction along. Apparently, they are going to send an appraiser out, but as of yet have not done so. I have called and talked to them on a weekly or semi-weekly basis for 6 months. The low-level customer service representative always assures me that they have expedited my request and that I would be contacted shortly. They tell me my " Point of Contact '' person is XXXX XXXX. I have never been able to talk to her because whenever they try to transfer my call to her I get voicemail and after leaving 4 messages during 4 weeks she has yet to call me back. I also emailed her at XXXX. She has not replied to my email. 
In the 15 to 20 calls, I have made to the company, each time leaving complete callback and email information, no one ever has contacted me about this issue.
Product: Debt collection

On XX/XX/XXXX a debt for {$520.00} from XXXX XXXX  XXXX XXXX was reported to my credit report by First Federal Credit Control. As of my last appointment on XX/XX/XXXX XXXX XXXX  XXXX XXXX, I didn't have any balance due and no balance is showing on the patient portal website. I never received a letter, e-mail, call or any communication regarding this debt. 

It's been less than 12 months since the last time I received services from XXXX XXXX XXXX XXXX and according to the Consumer Financial Protection Bureau ( CFPB ) debt collection agencies must wait at least 12 months to report an unpaid medical bill to the major credit bureaus ( XXXX, XXXX, and XXXX ).
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Diversified Adjustment for an old XXXX account.

I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXX account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance.

In addition, I never received a call, text, or email from Diversified Adjustment or XXXX stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit card

Approximately XXXX weeks ago, I was traveling out of town on the weekend. I tried to use my Bank of America XXXX credit card. The charges were declined. I have had this card at least XXXX years. I tried my Bank of America XXXX XXXX Card and it was also declined. The merchant called the Bank of America and I personally talked to someone and was told that I had closed my accounts. However, when I insisted that I had not closed these accounts, I was told that there is " something '' wrong with my citizenship and country of origin. During the next XXXX days, I spoke to XXXX different people at Bank of America, was put on hold for prolonged periods of time and transferred to multiple people and no one would give me straight and truthful answerbabout why my accounts were closed. Finally, the matter was resolved and my accounts were reopened but only after I insisted on talking to a supervisor. I was told that the federal government requires proof of citizenship in order to continue my credit card services. I have had these credit cards since 2005. I have never had to provide proof of citizenship. 
Clearly, Bank of America is racially profiling me because of my last name and country of origin. My wife and XXXX, who are also on this account, with different last names, were never asked to provide proof of citizenship. I have other credit cards from other banks, which I have had for XXXX years, and I have never been asked for proof of citizenship. In addition, none of my colleagues or friends or spouse have ever been asked for proof of citizenship to open or MAINTAIN a credit card account. 
Clearly, Bank of America is XXXX profiling me!
Product: Credit card or prepaid card

On XX/XX/2018 I went through the product selection and purchase processes on the SEARS website to purchase an item. When I arrived at the Payment & Billing section it shows an extra discount if you Apply & Use Now for a Sears Credit Card.

It is a very simple and direct button.

Apply & USE NOW.

The card was not even loaded into the bank 's website for me to retrieve the credit card # and security code.

They will mail the card to me - but, the item I am trying to purchase may not be in inventory anymore. 

I had my credit report run. Had I known that I could not Use Now as the button stated - I would have selected a different payment method and not had my credit run. 

The site needs to be updated and it should state that the card can not be used, until it is physically received in the mail. It should not state apply and use now. It should state apply and use when you receive the card in the mail.
Product: Mortgage

We are having a financial hardship and was behind on our Mortgage due to COVID-19. We reach out to our Mortgage Co XXXX XXXX several times asking if there were any programs that could help us and was told by our point of contact XXXX XXXX all they had to offer us was a forbearance. Which we denied because that would cause us a greater hardship. We managed to get together a couple of payments to try to avoid foreclosure. One in XXXX and two in XXXX. On XX/XX/2020 we received a trial modification from XXXX XXXX. We called XXXX several and emailed them because we had questions about the modification and asked that a supervisor give us a call. It wasnt until XX/XX/2020 we was able to speak to XXXX XXXX In lost mitigation she told my husband and I to sign the the contract for the trial modification and email it back to XXXX which we did on the same day. Also she said that XXXX was going to apply one of the payments we make in XXXX to the first trail modification that was due XXXX and that we wouldnt have to make a payment until XX/XX/XXXX. Today on XX/XX/XXXX I received a letter from XXXX stating that the borrower withdrew Modification Application which is breach of contract. The signed and a verbal agreement was made. XXXX and the borrower should have to honor it. This is causing me emotional distress. I would like to file a complaint against this Mortgage Co.
Product: Checking or savings account

On XX/XX/2020 wire from friends XXXX XXXX XXXX  EDD of XXXX XXXX. 
US Bank accepted the transfer and then closed her account for Fraud Investigation which was negative and said they would return the money.

Could take up to 6 months even though EDD money was for hardship death of Mom. After many attempts to Branch and many letters was told 6 months up in in XXXX Went to branch in XXXX and was told that they could take as long as they want
Product: Credit reporting, credit repair services, or other personal consumer reports

First Investors Financial is claiming my payment was not made in XX/XX/2019. I have proof that my XX/XX/XXXXpayment of {$340.00} was made on XX/XX/2019. This was my final payment to pay the loan in full. It even indicates this in a statement on their website! Yet they claim I was over 30 days late in XX/XX/XXXX on my credit report. I requested an investigation through XXXX and First Investors didnt correct the issue, they left it as if it was accurate. I want them to correct this bogus entry immediately! I would appreciate any suggestions you have to correct this issue. Attaching screen shot of records from First Investors Site backing up my claim. 

Thank you in advance for your assistance with this matter.
Product: Mortgage

In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you
Product: Mortgage

I have an an escrow account with my mortgage holder, Specialized Loan Servicing.

They failed to pay my homeowner 's insurance on time, and now my  policy has lapsed. 

According to my escrow account transaction history, SLS withdrew funds from my account on XX/XX/XXXX, but I called my insurance company today ( XX/XX/XXXX ), and they still have not received payment. 

On XX/XX/XXXX, Specialized Loan Servicing sent me an e-mail saying they paid my insurance. Also on XX/XX/XXXX, my insurance company e-mailed me saying that my insurance had not been paid. 

This morning ( XX/XX/XXXX ) I received notice that my policy had lapsed. I tried for two hours to connect with a customer service representative from SLS to work out my problem, but could not get through their automated system, which was only able to repeatedly provide me with my escrow account balance. 

According to my insurance company, SLS received multiple notices describing when my payment would be due, and they still failed to send the payment on time. Once they knew the payment would be late, they apparently did nothing to expedite the process. 

I'm heading into the weekend now with no homeowner 's insurance. If SLS is unable to pay my insurance and taxes on time, then I would like to end my escrow account and minimize my interactions with this company.
Product: Mortgage

Again I am trying to resolve my mortgage payment issue. I did try calling person listed on the complaint but I have yet to receive a return call. On today I received a letter stating that I have not made my XXXX and XXXX payments and I have. I have letters from my bank confirming monthly payments that have not been returned from XX/XX/2018 - XX/XX/2018. I still do not understand why Pennymac records arent correct. I will attach my bank statement which shows payments and no NSF fees and I have verified with my bank ( XXXX XXXX ) that payment for XXXX and XXXX have cleared. They will be mailing out this information to me within the next 24 hours. I only have a letter from the bank, on bank letterhead that states my XXXX payment was not returned, but paid and cleared. I do not have my XX/XX/2018 bank statement, however I have attached my detailed account summary that clearly shoes the payment.
Product: Mortgage

I started the process for PMI removal back in XX/XX/XXXX. I called my mortgage loan servicer and confirm they received my written request and they said yes. The check was in the same envelope as the written request as required/instructed by NewRez. Then I called back as I didn't hear back for another 2 weeks and they then said the letter was not here and I had to resubmit - after they told me they had it. Either way, they never informed me of this " missing documentation '' and I assumed after talking to one of their representatives it was all set. I finally got ahold of a manager who said to re-submit to her and she would call me back IF she DIDN '' T receive the email - no call back so once again assumed it was all set. A week later I follow up with this manager to find out that she didn't receive the email but never called me back. I finally scheduled the XXXX on XX/XX/XXXX and was told to give it 5-7 days. I once again never heard from NewRez so I called on XX/XX/XXXX to confirm the results were in. A representative told me that PMI was to be removed starting with the XXXX payment but it was never adjusted. I was advised to pay XXXX to prevent a late charge and that I would be refunded the difference once they payment adjusted. The XXXX payment is showing due and is still not adjusted to my new payment. Now, I receive a letter dated XX/XX/XXXX from NewRez that is telling me I need to pay a XXXX  fee. I was already approved PMI removal by their company, how does their system generate a letter like this? Was the fee I paid not applied correctly? I have called again today and nothing is being resolved. I paid, I qualified, and my payment still has not been adjusted. 

I am told that all calls are recorded so it should be easy to review.
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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate 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 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 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

Someone opened up ac account with XXXX in my name. This was fraud/ID theft. I saw a hard inquire pulled in my name in XX/XX/XXXX. I called XXXX immediately and told them to cancel the account, this was fraud. They replied that they would handle it and I put the issue to bed. In XX/XX/XXXX, XXXX reported to Transunion that I had an account past due of {$2200.00}. I contacted XXXX and Transunion. After many hours and repeating my issue, they took off the derogatory mark of the amount due of {$2200.00}, but the hard inquire is still on my report!
Product: Debt collection

Frost-Arnett collection company was unable to reach me on my cell, so proceeded to call my work and tell my co-worker who answered the phone all about my debt. Not to mention she could get me fired if she keeps doing the back to back to calling while Im trying to work!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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