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

So I filed a complaint yesterday, no need for me to repeat what I wrote yesterday. Bank of America regulatory complaints department only responds to messages quickly when they know they are in the wrong about XXXX discrimination. They keep sending my complaint to the same person whos name is XXXX XXXX and she has yet to help me with any issues and regularly calls me to say she cant confirm my identity to move on with this process which i know is false. Bank of America just keeps doing everything it can to try and scam me a XXXX minority out of his money as Im sure they are doing to many XXXX minorities. Why call to waste my time and only enrage and upset me more about the situation. Bank of America is an institution that regularly XXXX  profiles their clients per many situations we have seen on the news and social media outlets throughout the past few years. This is ridiculous and I will definitely be recording this conversation for all to see and hear.
Product: Mortgage

Have tried to get a modification well over a year. Hours and hours of phone calls receiving little, conflicting or no information about status, talking to new people each time who read me notes on file of issues already resolved or discussed. I was not allowed to discuss my loan with the person actually reviewing it and making requests. Requested new customer representative, only means of getting info and could rarely get ahold ( had to make an appointment date and time for him to call me, sometimes not getting a call ). My rep repeatedly seemed as if he had never talked to me or knew of our previous conversations. After telling him of my husbands death and requesting a certificate, he called my cell and left a message for my husband to call him, just a small example of many.Told it could take XXXX5 weeks to receive a new rep. Never heard back Also took a week and a half to track the right person down who could confirm they got my ( same day ) fax of the death certificate that they desperately needed to go forward. Called them yesterday because I received an insurance letter mentioning the change in status of my loan. BOA says there was a sale date of XXXX and modification denied XXXX. Called FHA today and HUD. Was asked if BOA had offered me a required TPP Agreement? which I no nothing of, but then referred me back to Bank of America. Rep could not tell me why I was denied. She did see a sale date but no denial letter. On hold ( again ). She could not get a supervisor on the line to find out why denied. ( Past issues with payments were due to seriously ill husband who passed away in XXXX and my job status ( in current job almost a year and I can afford my home ) I have been advised by BOA to call the banks local law firm if I want a redemption. Lawyers have n't responded. I believe modification file is probably closed at bank for the 3rd time ( in which the other 2 times I had to start from scratch in applying and w/supplying all required info as its somehow disappears after a certain time and you no longer have a contact person. ) I am in fear that not only I and my XXXX young daughters will soon be kicked out of my home w/no notice just as I had not received notice of modification denial or property sale date ( and previous sales dates and sale dates on hold ). Also my loan balance has probably increased by thousands in fees and delinquencies due to the time this has taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX XXXX -Account # XXXX XXXX XXXXXXXX -Account # XXXX XXXX -Account # XXXX XXXX -Account # XXXX XXXX XXXX # XXXX XXXX -Account # XXXX XXXXXXXX -Account # XXXX XXXX XXXX XXXX -Account # XXXX XXXX -Account # XXXX XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently removed an incorrect bankruptcy that is reporting on my credit report. I have sent the paperwork that was sent to me showing that this bankruptcy was incorrect and Equifax still will not remove this incorrect item from my credit report. There is no way that they can verify it as accurate when it is not on my credit report. The company that verifies bankruptcy 's for Equifax is XXXX and there is no way that it can be verified when it is non existent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I have some unauthorized inquiries and some addresses on my credit report I would like removed. Inquiries : ( XXXX XXXX, NAVY FCU, XXXX XXXXXXXX XXXX ) 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 XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that do not belong to me. 

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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inaccurate 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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceitful 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I purchased my car for XXXX with a check for {$50000.00} from XXXX XXXX. The loan amount for the car was {$37000.00}. On XXXX XXXX I filed a XXXX with the IRS which was accepted and sent to the XXXX XXXX for ( Aquisition or Abandonment of secured property ). I recently filed a XXXX to discharge the debt. On XX/XX/XXXX my auto loan was made to " Now Current '' and on XX/XX/XXXX all my payments were changed from " Late '' to " on time payments ''. Now the auto loan has been placed as a charge off and according to XXXX XXXX XXXX this debt has become a Certificate of Indebtness. The Fair Credit Reporting Act, 15 USC states it is illegal to report inaccurate transaction history. This debt is now charged off and income can not be reported on credit reports. I hired a company in XXXX  to do a UCC-11 search. I have sent XXXX XXXX XXXX complaints stating my rights to my vehicle and demanding they mail my title free and clear to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and to place my payments they received from the federal reserve XXXX ( being that they are my security transfer agents ) into my Treasury Direct Account. These actions are unlawful unacceptable and against the Banking Act of 1933. The IRS has also been contacted to remove their POA with form 2848 and 56F. I have also filed Bankruptcy under chapter XXXX due to hardship. I will be sending in the paperwork directly to XXXX XXXX to put them on notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX    XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb
Product: Mortgage

On XX/XX/2024 I made a payment of scheduled monthly payment of {$530.00} ( Confirmation Number : XXXX ) to WSFS Bank. I was in the process of selling my home and requested a loan payoff amount through the title company. The final payoff amount was XXXX and was wired on XX/XX/2024 at XXXX central time to Wilmington Savings Fund Society, FS. 

As of XX/XX/XXXX I haven't received documentation stating the loan has been paid in full or refund for over payment. I was informed both were mailed to old address but I never received via mail forwarding despite all other mail from entities have been forwarded properly. 

I went to bank branch to update mail address and requested case to be open to investigate if account has been actually closed and how to request refund.
Product: Checking or savings account

I have been denied accounts from every banking system in the country. I owe no money to any bank and did nothing wrong as far as banking as concerned. EAS has a lengthy and inefficient system of helping consumers clarify their reports. I can't do basic banking This is excessive and has gotten to be extreme.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

i have a mortgage with pennymac and i was having a hard time paying my mortgage ( my job didnt pay due to covid hardships ) and i applied for help. 
they put me on a short forbiddance plan and i was told it would not affect my credit score. 
and now my score is like XXXX with XXXX  days late on XX/XX/XXXX. 
i called pennymac and they said that what i was told is wrong
Product: Checking or savings account

CHASE Sent Me Later saying I tryed too Open An account I didn't open it they only told me they tried too open checking & Savings account and they only gave me the last 4 digits of the phone and told me to file a report with for fraud & Identity theft
Product: Payday loan, title loan, or personal loan

My car loan was paid in full on XXXX of this year, as off today I haven't received the copy of my retail contract marked paid, also have not received the tile for the car. 
Called the bank and they sent me a XXXX  copy of the contract witch is wort nothing. 
i need the original contract signed and stamped paid in full also the tile for the car, as my obligation was paid in full by the terms of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes and even reached out to the CEO of Equifax XXXX XXXX regarding XXXX accounts listed on my credit report. I was a victim of identity theft, filed a ftc identity theft report and faxed it to Equifax only ro be told the ftc report is invalid. Equifax refuses to tell me how the ftc report is invalid and refuses to remive the XXXX accounts. I have sought legal help but also need these accounts remived because they are ruining my life and credit file. Equifax also are reporting the incorrect court for these accounts.
Product: Checking or savings account

I am filing a complaint regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues and which may violate the electronic funds transfer act. ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016.
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and Transunion has XXXX unauthorize inquiries that needs to be deleted permanently. 
XXXX has only XXXX authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why XXXX and Transunion are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.
Product: Credit card or prepaid card

I received a bill in the mail for a XXXX Credit Card. It has a balance of XXXX on it. 
The reference number for the charge is XXXX XXXX XXXX NY. It is dated XXXX I do not have a XXXX credit card. 
I never opened a XXXX  credit card. 
I have never used XXXX 
I do not have or have ever used the XXXX app. 

I tried to call the number on the bill XXXX. No one answers, even after being on hold for almost 2 hours. 

The address on the bill is XXXX/Syncb XXXX XXXX XXXX XXXX XXXX XXXX Please help me clear this up as I do not want this to negatively affect my credit. 
My name is XXXX XXXX and my phone number is XXXX. 
Thank you
Product: Debt collection

IN ACCORDANCE WITH THE FAIR DEBT COLLECTION PRACTICE ACT. 
I DISPUTED THE DEBT AND COLLECTION ALSO REQUEST DEBT VALIDATION. 

I SEEK COPY OF NAME AND ADDRESS OF THE ORIGINAL CREDITOR AND / OR SUPPORTING EVIDENCE OF ALLEGE DEBT. 

AMERICAN PROFIT RECOVERY THE COMPANY FAIL AND /OR REFUSE TO RESPOND TO CONSUMERS REQUEST IN VIOLATION OF SECTION 611 OF THE FCRA 15 U.S.C. 

I AM REQUESTING THAT THE ITEM BE REMOVE FROM MY CREDIT TO CORRECT THE FALSE INFORMATION.
Product: Credit reporting

Hello my name is XXXX XXXX. my investigation is not yet complete, from trans union, XXXX, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Back inXX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports onXX/XX/XXXXbut not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed items on my credit report that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I opened my account last week with Navy Federal and was freely able to log in and out with no problems and have securely submitted all my identification documentation and then made a {$2000.00} transfer into the account and then I got some error message to call the branch to be able to access my account. I have called XXXX times total and each time I was on hold for over an hour and unable to get anyone and when I did I provided the pertinent information and was spoken to XXXX XXXX and told to come in to a branch with ID before I can be provided a solution. XXXX NOT trying to withdraw money Im just trying to manage my account like any other rightful citizen. I havent banked with Navy Federal long but any time I have called Ive gotten bad customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an extremely difficult time getting Experian to remove an alleged account placed on my credit report through Experian. The account in mention is actually an account I have also sent to you ( CFPB ). The account name is XXXX XXXX XXXX. I have disputed this account with Experian online as well as talking to a live person via phone. I have explained to them numerous times that I do not know of this alleged account. I sent a letter of validation to this company and they COULD NOT VALIDATE this alleged account. I have shared all of this information with Experian yet they continue to say that the company certify the information as correct. This is NOT CORRECT. On one occasion, Experian replied over night while the company reporting was not even open. 
This is a violation of my consumer rights under the FDCPA/FCRA and Experian is now participating in this violation. I filed XXXX XXXX XXXX complaint with you ( CFPB ) approximately XX/XX/XXXX19. Your filed complaint # is : XXXX-XXXX. 
Experian needs to remove this from my credit report immediately. 
Experian is only going on the fact that this company is saying the alleged account is correct. I am showing PROOF that this is not correct nor is it my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX for quite awhile but have had the same problem Transunion and XXXX will not add that I have XXXX XXXX XXXX on my account. They keep updating information from XXXX even though XXXX was paid off and XXXX  balance. XXXX XXXX XXXX has contacted them but they keep insisted that they keep XXXX on even though it have been 7 years that I have had XXXX on my credit report and they keep manipulating the records. Please write a letter to the credit bureaus updating them that I have only XXXX XXXX XXXX and to remove XXXX and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years ago I had the XXXX XXXX account removed from my credit report. Somehow it keeps popping back up on my Transunion. I have tried numerous times getting the item taken back off but Transunion will not help me with this issue, or at least the person who was handling my case. I am a XXXX XXXX veteran and can't get the XXXX approval for modification of my home until this item is removed again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered the presence of fraudulent accounts. As a victim of the XXXX XXXX data breach, my personal information was utilized to create these unauthorized accounts. Kindly remove them as they are adversely affecting my creditworthiness.