23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed information that was on my credit report that is not reporting accurately. XXXX stated that they obtained public records items from my local, state, and federal courts through a third party vendor, LexisNexis that verified that this item belonged to me. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my XXXX report of the improper sharing by the credit reporting company. XXXX could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX, social XXXX. My current address is XXXX XXXX XXXX XXXX XXXX IL XXXX My previous address is XXXX XXXX XXXX XXXX GA XXXX My current phone number is XXXX XXXX XXXX Below is incorrect info on my credit report. I have already contacted this credit bureau concerning this. Per FCRA I am requesting my reports to be corrected. The following information is incorrect and needs to be deleted. 

Inquiry : XXXX XXXX XX/XX/23 ( identity theft report and police report submitted months ago ) Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX {$1200.00} charge off ( identity theft report and police report submitted months ago )
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX and XX/XX/XXXX, I forwarded correspondence to your attention requesting the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft. To date YOU HAVE FAILED TO REMOVE THE ITEMS WHICH IS A VIOLATION OF THE LAW. I am writing to formally request, for the third time, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. 
I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. If you require further documentation or information to process this request, please contact me immediately at the phone number or email address listed above.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing some fraudulently obtained information from my credit file, but there is still something I provided along that has to be removed or banned. Credit Bureaus are required by FCRA section 605 to remove any records that are on an ID THEFT REPORT. I am including this report again since I proactively remembered it from a previous correspondence. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX
Product: Debt collection

I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and XXXX, collecting for a capital one credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called XXXX to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I have attached proof that XXXX has admitted that I was a victim of this breach and that XXXX has done nothing. Please help me have the items from XXXX, Experian and XXXX removed from my credit report.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Account Number XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to hippa Violation I didnt give consent of permission too have my information shared too a collection agency and or 3rd party!!!
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 and XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these inquiries are not mine XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Checking or savings account

An employee at my local PNC Bank branch mishandled my funds on XX/XX/XXXX, resulting in the loss of {$14000.00}. She let me in about XXXX minutes after the bank had closed and rushed through a wire transfer, a type of transaction I did not understand, nor ever try to transact before, nor explicitly ask for on this day. I was visibly distraught due to a phone scam situation, however, she did not care or ask what was wrong. She assumed this transfer was what I needed without explaining the transaction type. She did not probe or screen at all for potential fraud, which is the standard protocol of any financial institution. 

I believe the employee could have been involved in the scam, as the caller had mentioned PNC and asked me to visit the branch after an online transfer wasn't possible. Even if not directly involved, the employee was recklessly fast due to the late hour, negligent, and thus, breached her fiduciary duty as a bank employee. By the bank 's own admission she was someone temporarily assigned to the branch during a remodeling project, and lacked proper training. 

I have previously submitted complaint # XXXX with the CFPB, stating that the bank ignored my appeal letter dated XX/XX/XXXX and tried to convince me that the fraud occurred through no fault of their own, but was entirely my fault simply because I'm a senior citizen. 

When the bank responded on XX/XX/XXXX to this complaint, they falsely stated that I had authorized the transfer. The employee forced me to sign a paper prematurely without explaining anything. Her lack of communication, naturally, would not constitute an authorization of anything at all. 

Furthermore, the denial letter states that the transfer was to cover my medical expenses, which is also false. I have never mentioned anything about medical expenses to any of the bank personnel. 

These false statements by the bank lead me to believe that they did not truly investigate the incident, as they had promised, and that they may even be confusing me with another client.
Product: Mortgage

- XX/XX/XXXX Got a letter my property taxes were delinquent from XXXX County. 
- XX/XX/XXXX I called PHH Mortgage to see what happened to the check as the money had been taken out of my escrow account. I was told it was dispersed XX/XX/XXXX. 
- XX/XX/XXXX Called again, was told to call back on Friday. 
- XX/XX/XXXX Called and talked to XXXX. She sent me to XXXX, an escalations manager. He said he would " make this top priority but needed some time. '' - XX/XX/XXXX XXXX called and left a voicemail, said they " needed more time. '' - XX/XX/XXXX Talked to XXXX, who connected me to XXXX XXXX, another escalations manager. She told me she would take over the case. She wanted me to fax her a copy of the delinquent tax statement. I called XXXX County to have them fax it, but they could only email it. 
- XX/XX/XXXX I called XXXX and left a message about emailing copy of statement. 
- XX/XX/XXXX I called XXXX to get her email so I could send her the tax statement. 
- XX/XX/XXXX XXXX called back with email address and I sent her the tax statement. 
- XX/XX/XXXX Called for update, couldn't be connected to representatives because of COVID virus. 
- XX/XX/XXXX Called for update, still couldn't be connected to representative. I emailed XXXX XXXX to request an update. 
- XX/XX/XXXX Still no response or update.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5- - 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).
Product: Mortgage

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT We are selling our house in XXXX  to qualified veteran buyers who are assuming the loan. We started this process in XXXX of 2023. Our buyers had submitted all necessary documentation to XXXX XXXX Mortgage for the loan. They signed the closing disclosures on XX/XX/XXXX and we were set to close before the initial closing date of XX/XX/XXXX. Over the holidays, we consistently called and spoke with people at XXXX regularly and they assured us that they understood that we needed to close in XXXX because we are buying a house in XXXX. On XX/XX/XXXX our title company had still not received any more information, so I called XXXX and they said that our loan had been sold. I said, " we are supposed to close today, what do you mean it has been sold? '' They couldn't give us any information because the new loan was not pulling up in their system until XX/XX/XXXX. We moved into the home we are purchasing in XXXX with a short term rental agreement from XX/XX/XXXX through XX/XX/XXXX. Our sellers in XXXX were kind enough to extend our rental through the end of XXXX so that we could close on the home in XXXX. I called and called XXXX and they never had any updates for us, they just said that they would put in a ticket to call us back. That never happened. I have filed XXXX complaints with the XXXX and XXXX replied that they understood that we needed to close in XXXX. It is now XX/XX/XXXX and if we do not close on the home in XXXX and the home in XXXX  in XXXX, there will be two veteran families with children ( XXXX is XXXX XXXX ) who will be homeless. This is a very severe emergency and we are unable to reach anyone at XXXX who will help us. Apparently this happened to thousands of veteran families who were in the assumption process when XXXX sold the loans without allowing the assumptions to go through before changing the servicer to Mr. Cooper. 

I have called and emailed XXXX XXXX at Mr. Cooper multiple times and have never received a reply or a call back. I have requested that the VP call me every single day this week and there has been no call to me from Mr. Cooper to give us our closing date. 

We are about to be homeless because XXXX transferred our loan to Mr. Cooper when the assumption was already supposed to be completed in XXXX of 2023.
Product: Student loan

My {$100000.00} student loan debt was transferred to Navient when  XXXX   XXXX  split. I consolidated my loans for ease of repayment. However, their interest rates were not, thus each individual loan remained with its original interest rate.     I paid off most of my loans by making overpayments, which I allocated to the individual loans in order of highest interest. I have only  XXXX  remaining loans,  XXXX  with a significantly higher interest rate. Navient, however, changed its website so there is no longer an option to allocate overpayments to separate loans. For months after switching to the new website they provided a link to the previous website, so I used that instead to allocate payments to the higher interest loans.     This option no longer exists. In the explanation of loan allocation provided on the website, the company states that if loans are consolidated, payments must be made together and distributed evenly between loans. I believe this is incorrect and illegal. Strangely, in a separate description of online payments, the website claims one can allocate online payments to loans as they wish. Yet, that option is not actually there.     Navient should be providing loan customers the option of allocating extra payments to their loans as desired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to Experian, XXXX, and XXXX  they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  separate accts charged off high balances check fraud XXXX XXXX XXXX in system XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXXXXXX charged off i have also been sued for a XXXX XXXX  from online in XXXX as far as i know i have at least XXXX hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit s \o i can have my life back
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is XXXX and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas Tenant Law states that if a tenant is a victim of domestic violence and the abuser is also on the lease then the victim can move without any notification to anyone. Also i am not held responsible for any of the remaining balances. Ive attached a copy of the police report as well as the tenant laws for your records.
Product: Credit card or prepaid card

I was approved for UC benefits by state of PA and money was issued to me on a US Bank ReliaCard. I never received a card and when I called them, they promised to expedite me a replacement card. They did and I received it but was not able to activate it. I spoke to about 50 more representatives from US Bank in the last few weeks and was told I would never gain access to my funds because the account has been flagged as a fraud attempt and that " no one '' can contact or be contacted by the department that flagged it because of " security reasons '' so I'm " out of luck ''. This is unacceptable ... THIS is fraud! The situation with US Bank boils down to : " the state deemed you eligible for this money and they issued it to you but we are taking it and there's nothing you can do about it. '' The state tells me they issued my funds and that its a ReliaCard issue and there's nothing they can do. There has to be someone that can do something about this ... it is the very definition of theft and fraud!!
Product: Payday loan, title loan, or personal loan

On XXXX of XXXX  made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. Shop Affirm took the 1st payment of {$26.00}. on XX/XX/2022 has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX  and they have a lot of complaints about them not sending the orders. The company I ordered from was XXXX XXXX XXXX I set up a payment plan with shop affirm to make payment every month. Went on their XXXX  page and the owner stated no orders will be sent out all orders are cancel. I did move research and found out the owner first name is XXXX. I have left messages and sent emails nothing no response.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX, we entrusted XXXX Legal Group with over {$9400.00} for debt consolidation services, which were to be processed by their sister company, Global Holdings. Despite this substantial payment, only {$2200.00} was used to pay debts, and no debts were settled. This leaves over {$7000.00} unaccounted for, which is particularly concerning as taking any fees without settling debt is illegal. 

On XX/XX/XXXX, we requested a refund and the termination of our partnership. We received a response on XX/XX/XXXX, confirming the cessation of drafts on our account and the initiation of the refund process. However, as of now, we have not received any funds. 

We have made numerous attempts to contact both companies via phone and email, but all efforts have gone unanswered. Additionally, over a month and a half ago, we were locked out of our account portal, preventing us from monitoring any actions taken regarding our funds. This lack of communication and failure to refund our money is unacceptable, and we demand immediate resolution.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re :  Property Address : XXXX XXXX XXXX XXXX, La. XXXX Dear Consumer Relations, The reason for me writing is to request an investigation into Bank of America business practices. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, within the foreclosure document it states note was in default XX/XX/XXXX and notice mail. Their was six payments sent to Bank of America to cover my mortgage payments, issue from XXXX XXXX XXXX XXXX , XXXX, from the month of XX/XX/XXXX to XX/XX/XXXX. The information is documented below. 

1. Check # XXXX, dated XX/XX/XXXX, {$530.00} 2. XX/XX/XXXX, received Notice of Intent To Accelerate, delinquent {$1100.00}. Issue ( 30 ) day notice of default. 
3. Check # XXXX, dated XX/XX/XXXX, {$530.00} 4. Check # XXXX, dated XX/XX/XXXX, {$530.00} 5. Check # XXXX, dated XX/XX/XXXX, {$530.00} 6. Check issue XX/XX/XXXX, {$530.00} 7. Check issue XX/XX/XXXX, {$530.00} 8. Check issue XX/XX/XXXX, {$530.00} Furthermore, Bank of America collected {$3700.00} in payments, between XX/XX/XXXX through XX/XX/XXXX, from XXXX XXXX XXXX XXXX, Incorporated. Neither of my payments accounted, they mail me a delinquent notice to pay them {$1100.00}. My question is where is my money? The Notice of Intent does not reflex any payments that were made to my mortgage account. Your assistance in investigating this matter is greatly appreciated. 

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

Accordance with the Fair Credit Reporting Act Convergent Account : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was charged off due to account being overdrawn which I understood. The reason why Im not happy with the outcome is the amount of fees which was added on the overdrawn amount. I couldnt come up with the money, however deposits went into my account so I asked the Bank to use the money to offset the charged off account since they offered me a settlement. Another deposit went into the account again and this time they have taken the full amount I owed originally without consulting me. This is very unfair and I need my money back. They are negating the fact that they provided me with a settlement.