23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I spent several months working with Bank of American trying to get a deed-in-lieu approved for a property in a different state that I can no longer afford to keep. I spent considerable time with them on the phone and sending them documentation. It took me too long and too much time sending the documents to them over and over and right when I received the notification that my deed-in-lieu was approved and I had signed legal paperwork to get the closing done, Bank of America sold my loan to another company. This other company, XXXX XXXX XXXX, has sent me many, many pieces of mail requesting payment for the past due amount, then explaining loan modifications to me, and finally notifying me they are considering my loan for a deed-in-lieu and wanting me to send in more paperwork to them. The previous months with Bank of American never happened and the entire process starts over.
Product: Checking or savings account

The following as occurred with accounts at the following banks : JPMC, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX 

I have been able to obtain debit card authorizations from these banks as issuer through the stripe payment XXXX. Following level of authorizations in a day : JPMC : ~ $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : several accounts totaling $ XXXX, XXXX XXXX : several accounts totaling $ XXXX, XXXX and XXXX $ XXXX in two accounts. Each on of these banks has told me my account has been closed except for XXXX XXXX and XXXX- they say XXXX : permanently locked and XXXX No refund granted. The banks say the accounts are closed but transactions still settle on the account which cant happen with a truly closed account? In fact, banks have returned items unpaid late ( after settlement ) to avoid paying out funds. There are only two reasonable explanations for these occurrences 1 ) the authorizations and settled transactions occurred in error and qualify for RegE treatment. But this bring admissions to significant concerns regarding my account status. If authorization happens in error demonstrates collective weakness of internal controls to the payments system. Simplest explanation is banks are misrepresenting my account status and withholding credits from closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i am very upset that Affrim decided to appear on my XXXX credit report and not only that they reported the wrong current balance which should be {$12.00} plus this is the last installment payment i reached out to XXXX and of course they did nothing, here is the problem don't show up on my credit report at the last payment reporting inaccurate information, I really wanted to like Affrim but this stut has took the cake, XXXX is no better i don't have any respect for that company bottom freeders so I needed to bring this matter to a higher level since XXXX is in the bed with so much of these crooked companies
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.

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 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: Consumer Loan

We took out a loan with XXXX in XXXX for a term of 180 monthly payments of {$590.00}. SunTrust acquired the loan from XXXX in XXXX and has applied the payments in such a manner that even after making the number of payments we agreed to, they say we still owe approximately $ 8K more. I do n't understand why we would owe more if we paid according to the payment terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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: Credit reporting, credit repair services, or other personal consumer reports

I have like 50 inquires from chime XXXXXXXX XXXX XXXXXXXX XXXX like XXXX i didnt do that i told them my information is fraudelent i was a victim of idenity theft while i was paying for there idenity theft protection XXXX XXXX dollars they claim i aint heard a pip from them when i told them they need to reimburse me my idenity got stolen while i was using yhere premium service i have a debt with XXXX XXXXXXXX it was a secured credit card so how do i have a debt??? This a scam they scaming me. How can i be in debt on a secured credit card??? Makes no sense they legally robbing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address an issue regarding a past due payment that occurred in XX/XX/2022. I kindly request your consideration in releasing this payment, as it is the very first late payment in the history of my credit, I have ever had with XXXX or any other company. 

I would like to provide some context regarding the circumstances that led to this overdue payment. It was due to a miscommunication issue that arose between me and XXXX  customer service agents. I had intended to activate a service for XXXX purposes, valued at {$90.00}, through XXXX. However, as I discovered later, the service was unnecessary as I already possessed an existing account with XXXX that provided me with the required services XXXX claimed I had used from their purchase, which is not true. Ive contacted XXXX who stated they can not email me anything stating I already have an account and did not open a new one. 

Unfortunately, during the process of canceling the XXXX loan associated with the unnecessary XXXX service, there were some challenges in effectively communicating my intentions to the customer service representatives. As a result, the service was not activated, and a payment was inadvertently missed. 

I sincerely apologize for any inconvenience this may have caused and take full responsibility for the oversight in not ensuring the timely cancellation of the unnecessary service. As a conscientious borrower who has always honored their financial obligations, I assure you that this occurrence was an exceptional circumstance. 

I kindly request that XXXX XXXX review my account history and consider releasing the 30-day past due payment in question. I firmly believe that this situation is an isolated incident and does not reflect my commitment to meeting my financial responsibilities. XXXX continues to accept new lines of credit for me even though I appeared as untrustworthy to them by inadvertently missing a payment due to a misunderstanding. Moreover, I value the professional relationship I have developed with XXXX over the course of my account tenure. 

I would greatly appreciate any assistance you can provide in rectifying this matter. Please feel free to contact me at your earliest convenience to discuss the details further. 

Thank you for your attention to this matter. I look forward to a prompt resolution, and I trust that we can find a mutually beneficial solution. I appreciate your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$770.00XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} 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: Debt collection

I will be attatching emails that show after i was emailed about the dept, it was paid the next day and following payments were made. the amount of XXXX is still incorrect.. It states this collection was open XX/XX/year> and my last payment was in XXXX, so it doesn't make sense. Also the date of XX/XX/XXXX is incorrect, this collection emailed me XX/XX/XXXX trying to collect the debt.
Product: Credit card or prepaid card

I own a  Chase Sapphire Reserve Card. I bo oked a flight, using the credit card and through the  Chase Travel Portal,  in   XXXX   XXXX  . I canceled said flight in   XXXX   XXXX  , and was refused a refund on my card. Instead, they said that they will hold the amount ( approx { $650.00} ) for me and I can use it to book travel again before   XXXX   XXXX  .      I tried using this balance on  XX/XX/XXXX . The agent confirmed that I have {$650.00} available to book travel, and said they would transfer me to the booking agent. At this point, I was put on hold for longer tha n 30mins and I  hung up. I called again and, this time, the agent refused to acknowledge my travel credit. I was again put on hold for longer than  20mins and I hung up.      I used the secure message center on Chase.com to have customer service act on this. First message was on  XX/XX/XXXX , and the response to this message can be briefly summarized as, 'Please call the  Travel Center, we  can not help with this '.     Since  XX/XX/XXXX , I have exchanged  5 me ssages and a phone call with   XXXX   XXXX    ( Senior Service Specialist ). Th e last exchange with  XXXX  was also unsatisfactory, since she essentially asked me to call the  Travel Services ag ain and refused to look into this any further. I agreed to call once more, giving  XXXX  a fair chance to resolve this.     On  XX/XX/XXXX  I called the Travel Portal again and asked for the Help Desk, as instructed by  XXXX   XXXX . After more than  25mins on hol d, I hung up again.     At this point, I have emailed, messaged, called and done everything else to try and fix this. I have lost money on travel, since I could n't use my credit to book another flight. I have also lost a lot of time and energy in pursuing this to no end.     Thanks and Regards
Product: Debt collection

XXXXXXXX XXXX/NCAC reported on behalf of XXXX a debt of XXXX which was paid in full and still showing up on my credit report. It was disputed with XXXX and has been removed from my wifes credit report but not mine. This debt was incurred due to co-signing for a rental property for my daughter XXXX with XXXX. The house was left cleaner than it was originally, the security deposit was kept by XXXX and they charged us XXXX which was paid in full. I have a security clearance with my employer and need this removed immediately. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and/or XXXX  and/or XXXX have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX funding are both reporting collections for XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct. 

XXXX XXXXt and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. 

XXXX XXXX and XXXX XXXX are both reporting collections for XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my Equifax report. The dispute was to show that I paid XXXX XXXX mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that XXXX did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom XXXX is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because XXXX refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though XXXX did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from XXXX on the XXXX website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. XXXX is ruining my credit and Id like something done about it please. The only reason Im including XXXX XXXX is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and XXXX and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because XXXX gave a verbal to XXXX XXXX that I was not 120 days overdue on a conference call but then they said they wanted a letter and XXXX is refusing to do it and now XXXX is putting this on my credit pork with 150 days in Equifax and I was getting Hire instead of XXXX and nothing is working and XXXX losing everything I have because of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Citi Bank closed my account without notification. The account showed me that I was a XXXX balance and my savings was XXXX. They gave me no communication saying that they would be closing the account. They told me that I was XXXX dollars overdrawn of which I have no record of, no email, no online alert or message and no balance fluctuation online. I spoke with a supervisor who stated that he would reopen my account in 2-3 days. After 2-3 that account was not reopened and they lied to me saying that it had been more than 30 past due but in fact by their own statement " that account was overdrawn by XXXX on XXXX XXXX and closed on XXXX XXXX, which is 7 days.
Product: Debt collection

To whom it may concern, I pull my credit report though XXXX XXXX and saw that there was a company on my report call Transworld system I that was open in XXXX in the amount of {$1000.00} I've never heard of this company before have not open a account with them either, I like to this dispute account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this inaccurate information from my credit report. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

This probably happened about two years ago, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and my wallet got stolen.Did n't think too much of it until XXXX started appearing on my credit reports. Tried to get them folks to take it off but they didn't.. Need ya 'll to help me get them off.
Product: Credit reporting or other personal consumer reports

TRANSUNION should only have one address, my current address as my right to privacy no one should be privy to my residential history without my consent and authorization.

My current address is the only address that should be reporting as the only address I can receive legal notices and mail from the credit reporting agencies : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and Equifax has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED
Product: Credit reporting or other personal consumer reports

***THIS IS NOT A DUPLICATE REQUEST *** XXXX XXXX XXXX XXXX has continued to report inaccurate information on my credit report. This account was discharged and paid through a Chapter 7 Bankruptcy in 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information they are submitting is wrong XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - {$350.00} this information is inaccurate - contacted office reporting wrong information XXXX  - $ XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- this information is inaccurate - contacted office reporting wrong information XXXX - XX/XX/XXXX, XX/XX/XXXX {$1400.00} -this information is inaccurate - contacted office reporting wrong information XXXX  - {$18000.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - information is incorrect - contacted office reporting wrong XXXX XXXX  XXXX XXXX {$3000.00} XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - information incorrect - contacted office reporting wrong
Product: Debt collection

XXXX XXXX continued its mischievous billing practices on XX/XX/XXXX, {$1300.00}. Referencing attachment, on XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX naughtily inflated its billings XXXX XXXX XXXX XXXX and XXXX XXXX respectively. Perpetuating its fraud, stating : WE HAVE FILED YOUR INSURANCE, YOU ARE NOW RESPONSIBLE FOR THE BALANCE OF THIS ACCOUNT and intended harm Quest has yet to bill XXXX  XXXX, {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with XXXX XXXX in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with XXXX XXXX in XXXX of 2017, they were purchased by XXXX XXXX, in XXXX or XXXX of the same year. XXXX XXXX closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.
Product: Money transfer, virtual currency, or money service

XXXX. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.