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

I am writing to follow up on my previous dispute regarding the unresolved errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Product: Checking or savings account

There was an outage effecting my work places direct deposits thru capital one. We were told wed receive them Saturday, then Tuesday. And still nothing. People are hungry. They have bills that dont stop just because there was an outage. This is ridiculous.
Product: Checking or savings account

Hello I have stolen money from my account. Account number : XXXX There were XXXX separate withdrawals made via Internet banking, which I did not activate, since I do not have internet banking and large sums of money were withdrawn from my account. 

First withdrawal XX/XX/XXXX XXXX XXXX USD - information per monthly statement Second withdrawal XX/XX/XXXX XXXX USD- information per monthly statement Third withdrawal XX/XX/XXXX XXXX USD - information per monthly statement Fourth withdrawal XXXX XXXX XXXX USD- information per monthly statement, Fifth withdrawal XX/XX/XXXX XXXX USD information per monthly statement I live overseas and I maintained this checking account for the purpose of my Pension check directly deposited in this account. 

My monthly Bank of America statements arrive at my address in XXXX with a significant delay. I immediately called the Bank to report my objection to the withdrawals and demanded to have the withdrawals investigated for breach of security of my account. Every time I called, I spent a good hour on the phone without any results. I have witten XXXX separate register mail letters to the Bank of America disputing these withdrawals, but to no avail. There is XXXX USD on my account on my last statement in XXXX XXXX, XXXX In the meantime, I stopped the deposits to my Checking Account, but each month the Bank charges me XXXX USD service fee - because I have insufficient balance, which is not my fault. 

Bank of America is charging me a service fee from XX/XX/XXXX every month until now.. 

I am attaching the letters I have written to the Bank. 

I mailed XXXX register letters to the Bank on the date as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and many hours on the telephone to Bank of America. 

As of this date I failed to receive any answers from the Bank. 

I do NOT have a XXXX telephone number. I do have a landline telephone Number : XXXX XXXX XXXX XXXX XXXX XXXX I kindly ask, please help me to close my account! Total amount stolen from my account XXXX USD plus XXXX USD monthly charge from XX/XX/XXXX continues every month. 

Thank you! 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2022 my Financial institution mailed a paper check to my home loan servicer Affiliate mortgage. Affiliate mortgage claimed to received the payment on XXXX XXXX. I was charged a late. My payments were always processed before the deadline on the XXXX of each month. Affiliate claims because of mail delays it wasn't their fault. My complaint is that it is the fault of the loan servicer failure to process the payment on time. I don't feel I should be penalized for their failure to process my payment. I have tried to contact them and can't reach anyone on the phone.
Product: Mortgage

I entered into a contract to purchase the property located at XXXX, CA on XXXX XXXX, XXXX. I provided a good faith check in the amount of {$3000.00}. The agreed price of the home was {$230000.00}. The sellers bank requested a price increase to {$230000.00}. I agreed to the increase. I requested and paid for a termite inspection, a property inspection, and an appraisal. Because the property is a short-sale there were some repairs required by my lender prior to close of escrow. I request assistance in the repairs from the seller, who declined stating lack of funds. I requested an extension of escrow to allow enough time for the repairs to be completed. Once everything was signed off on by the city building inspector my lender informed me that because it is a short sale that they required a letter from Select Portfolio Servicing , Inc. ( SPS XXXX approving the sale because the previous on had expired on XXXX XXXX, XXXX. We had requested an extension of escrow, but we were not able to get a letter with a new closing date from XXXX. We have been requesting it since XXXX XXXX, XXXX. XXXX requested to increase /amend the price again and I have agreed but they still have not provided me with a letter approving the sale with a revised closing date. I am buy the house to have a place to live because me and my husband have recently divorced. I do not feel like XXXX is following good business practices, and is not treating me or the seller fair. This should fall under some type of contracts, and fair business practices, or something. This company should not be allowed to treat people like this. I do n't know what law they have broken, but there has to be some way to stop these banks from making people foreclose on their home even when they have someone willing to purchase it. And they should be reasonable because the house could not even pass the inspection by the city building inspector, and no one else was willing to make the repairs. Now they are stalling trying to make me pull out. Both myself and the seller will lose money on this, and I will not be able to recover the money I spent on the repairs. There should be some laws, or rules that should be followed for short sales. The local real estate market is not doing very well, and this type of thing only makes things worst for people trying to purchase a home. There are still additional repairs that will need to be made before I can even live in the house. I have attached the inspection report for review. 
I have contacted the company to file a complaint, but they told me that I could not do anything without the approval of the seller. They would not provide me with any information about where and how I could file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a home to lease for my wife and XXXX year old XXXX   XXXX. We now have to live in a hotel since XXXX, XXXX On XX/XX/XXXX the management, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, informed me that according to my credit report I was being sued by XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Lanlord at my residence in XXXX , XXXX . I was on a month to month verbal lease after leasing from him for 5 years we had decided to move to PA that is why we did not renew lease and went on month to month. After informing XXXX XXXX and asking for our deposit since he never sent us a termination letter. His verbal agreement stipulated that we should pay {$850.00}. or move. Since my job started in XXXX. XXXX, we went ahead and moved we believed we had duly complied with his request, Consequently we can not lease a home or apartment in XXXX, XXXX befitting for my XXXX XXXX. I am complaining about Landlord XXXX XXXX not contacting me about his intentions which is so frustrating and killing our livelihood by reporting to all three credit bureaus inaccurate information. Currently we reside in a hotel for the last two month and are having a hard time making ends meet. My family and I would appreciate a reaging since the information he has reported on credit file is inaccurate, unverifiable and was not disclosed in his oral agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth Finance {$240.00} Opened XX/XX/2018 There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX XXXX XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : GLOBAL FCU XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries of XXXX and XXXX I would like for them to be removed as per my ex boyfriend was trying to get a vehicle and had my information but I never authorized the dealerships to run my credit. I tried to contact them and dispute but they didnt do a thing. So I would need these hard inquiries to be removed from my credit report.
Product: Checking or savings account

OnXX/XX/2019, I went into a BB & T bank, went into the lobby of the bank, at XXXX XXXX XXXX, XXXX, GA, XXXX, met with a teller and did three things : I ordered checks for my mother and me on our joint account ; I made a deposit of almost {$2000.00} into our joint savings ; and I bought some temporary checks. Mother, XXXX XXXX XXXX, had just about run out of checks and had more bills to pay. ( She is not on bill pay and not sure she trusts it, and does not trust paying bills over the phone w her debit card. ) On XXXX XXXX, I contacted the bank online to ask where the checks were in the system. And last Friday, onXX/XX/2019, I went back into the bank in desperation to see what had happened. The manager, XXXX XXXX, told me the checks had not been ordered. The teller told him I had not ordered checks. I ask them why they thought I would be buying temporary check and also checking online about the checks ' status if I had not ordered them. It makes no sense at all. The manager was rude to me and refused to give me more temporary checks or expedite checks to me quickly ; he would not pay the fees on those. He was rude and obnoxious to me and said he believed the teller, XXXX, instead of methat I had not ordered the checks in person on XXXX XXXX. He is at XXXX. It was the rudest exchange I have ever had with a bank employee in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom this may concern I am seeking MONETARY RELIEF FOR DAMAGES TO MY CHARACTER Pursuant to 15 USC 1681a Definitions ; rules of construction experian is required by FEDERAL LAW to conduct a investigation upon request of the consumer and verify the accounts are ACCURATE and FAIR. 
All accounts listed I am seeking MONETARY RELIEF because these accounts have been deleted after 6 to 8 months of disputing these accounts, send check to address posted above. ( FAILURE TO INVESTIGATE ACCURATELY AND FAIRLY ) Pursuant to 15 USC 1681n ( a ) ANY person who willfully fails to comply with ANY requirement imposed under this title with respect to ANY CONSUMER is liable to that CONSUMER in an amount equal to the sum of ( A ) any actual damages sustained by the CONSUMER as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
DATES OF ALL ACCOUNT INVESTIGATIONS VERIFIED IN VIOLATION OF FEDERAL LAW XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ACCOUNT DELETED XXXX, XXXX, 2021 ACCOUNT UPDATED XXXX, XXXX ACCOUNT NUMBER : XXXX XXXX, XXXX, 2021 DELETED XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX DELETED XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DELETED
Product: Credit reporting or other personal consumer reports

I am a data breach victim and have discovered fraudulent accounts on my credit report that I did not authorize or open. These accounts are erroneous and do not belong to me : XXXX XXXX XXXX ( {$510.00} ), XXXX  ( {$2900.00} ), and XXXX XXXX XXXX ( {$550.00} ). Under 15 USC 1681c-2 ( a ), I am requesting that all accounts associated with this fraudulent activity be immediately blocked and deleted from my credit file. You will find the necessary supporting documentation attached to verify my claim.
Product: Mortgage

For over three months XXXX XXXX Has continually asked me for the same statements and information month after month. I have a XXXX FICO. 
I have never missed a payment in over 17 mortgages. 

I am only asking for time and terms on an existing 40 % XXXX XXXX 
XXXX XXXX is my loan officer. XXXX is one of her supervisors. 
I have been in constant contact with for three weeks trying to resolve this issue. 
He was the fourth such supervisor, or consumer advocate I have been in contact with to date. Incessant harassment for continuing to provide the same statement month after month. 
They are now increasing the cost of The Loan for each additional update to My loan
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked for the proof of the legal right to report the child support. it was posted and experian refuses to investigate it. they also refuse to remove it if there is no legal justification in posting to my credit profile.
Product: Credit card

On XX/XX/XXXX I did go to XXXX and made a purchase in the city of XXXX CA. That evening I went to ATM machine in XXXX XXXX CA around XXXX pm and pulled {$40.00} out. Walking back to my car I receive a message from Bank of America service : stating that there was a possible fraudulent transaction happening at restaurant in XXXX CA for just over XXXX XXXX I immediately sent a reply NO and card was blocked. It looks like banks fraud recognition computer software was able to recognize restaurant transaction as fraudulent because it happened so close to time of ATM withdrawal and placed a hold on my card. It does make sense because how is it possible that my card was charged for XXXX at XXXX1and another transaction been denied at restaurant in same city of XXXX while I am at ATM getting cash XXXX miles away at same time of the day. The only logical explanation that it was fraud. 
Bank of America is stating that I have shopped at XX/XX/11 before there for I am responsible for this charge? 
I have never authorized that transaction and never shared my card with anyone. Have not authorized for anyone to use my card and do not have any duplicates of card issued. I do not know how the thief got a hold of card number and pin. I have not been to that city in past XXXX years. This is not my fault.
Product: Debt collection

Trying to collect on debts that I do not owe I do not have no form of signed credit obligations with Midland Credit Management never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent accounts is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not given proper information of my dispute from the credit agency. Dispute did not resolve my issue of incorrect information on my credit report. It states in the FCRA that I am able to receive information the credit bureau received from the company and was not given any.
Product: Money transfer, virtual currency, or money service

We had an electronic check pay on our payroll account. It was not for anyone on our payroll and the " copy '' was not produced by our company.The same person, XXXX XXXX was able to have 3 electronic checks clear on our payroll account. We contacted the police and filed a report. We filled out Domestic Collections Fraud Packets with XXXX XXXX bank ( our bank ). Two of the fraudulent checks were paid back to us in XX/XX/XXXX. One check was for XXXX and the other XXXX. We still have a third check which we have not been reimbursed for. It's for XXXX. I contacted XXXX XXXX and was told that the check was drawn on Key Bank. I was also told that they had 120 days to respond. It has been longer than 120 days and no response. The check I am waiting to be reimbursed for is for {$970.00}, it has a check # XXXX associated with it. It was dated XX/XX/XXXX and posted on XX/XX/XXXX. We filled out our fraud report on XX/XX/XXXX. Our police report # is XXXX with the XXXX Police forgery/Theft/NS department.
Product: Credit card or prepaid card

I responded to an offer from associated bank  for {$200.00} bonus after spending {$1000.00} within the first 120 days of opening, i fulfilled the requirements by ordering a commemerative coin from the U. S. Mint, the bonus was denied by associated bank  claiming the purchase was not eligible. No where on the offer does it state purchases from the U. S. Mint are ineligible. The person handling the account in XXXX XXXX is XXXX XXXX XXXX When I called her about this she said she would follow up for me. I called the next day and was put on hold and XXXX never picked up or called me back so i called another associated branch and reached a manager named XXXX XXXX ( his phone number is XXXX ) who said he was going to work on getting my bonus. The next Monday i called him and everything changed. I mentioned to him that XXXX blew me off and he said he would not do that but that is what he did telling me there is nothing he could do etc. I feel i'm entitled to the {$200.00}. Please help me since associated probably will not talk to me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I became aware of a debt for a returned check that is reported on my credit reports. I reached out to the company for information and when I received this I sent payment for the account as well as a request for the account to be deleted ( I sent this via certified mail in XXXX and am satisfied they received it ). I attempted to follow up with this account and asked if they would please respond to me in writing as to why they have refused to cash this payment. They responded by calling me. I once again reached out via mail ( certified ) to ask that they refrain from phone contact and to please send to me in writing why they will not cash this payment and update my account. They continue to report this as an unpaid debt to the credit bureaus and refuse to provide me with an explanation as to why they will not update this account.
Product: Credit reporting or other personal consumer reports

I have requested several disputes from XXXX Credit Report about an account in the credit report and as of today they have not validated the account, nor have they deleted it. The account is a credit card, I request it be removed from the credit report as soon as possible.
Product: Student loan

I received an email from a random person from the " student loan help center '' in Florida, saying they can help me get my loans forgiven because of my XXXX position. I was sold on the idea and now they are asking for 3 monthly payments of {$260.00} in order to get the paperwork started to have a monthly payment of {$0.00} for 120 payments. I knew something was fishy as soon as I got off the phone with them and they took down my card information and I never received an email confirming anything.
Product: Debt collection

I have attempted numerous times to resolve this matter from 2019 with no avail disputed the amount t several times but have never been sent accurate verification of accountg amount owed i have also never been offered a settlement this account is hindering my home buying process every time this debt is purchased by a new collection angency it reports as new on my reports and drops my score please help me to fix this matter.
Product: Student loan

I have submitted 5 different applications for income driven payments since XX/XX/XXXX. The specific dates I submitted my applications are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( on this date, I submitted 2 separate applications ) ; XX/XX/XXXX. As of the date of this letter I have not been denied or approved for an income driven payment plan. I have contacted Mohela 's customer service line at XXXX five ( 5 ) times in reference to getting this matter resolved and the specific dates I called are as follows ; XXXX XXXX XXXX XXXX XXXX. Today I spoke to XXXX who informed me that my applications above were completed manually on XXXX XXXX XXXX  and there is no status of denied or approved. 
She attempted to reach out to a supervisor just as other agents before her and eventually I hang up because the supervisors either do not respond or I become weary of holding on line to speak with someone. Mohela 's supervisors do not call me back, in spite of verifying all my information including my phone number, physical address and email.