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

XX/XX/XXXX went order new card ..card never came told me they was have problems with the vendor..I told them I wouldn't to withdraw my money out other that XXXX in savings XXXX in checking they told me to come in on Wednesday cause it take a minute to get the money together... XXXX.I didn't believe them So ..I went up there and the worker claimed that the reason the card didn't come was because it said XXXX XXXX XXXX XXXX ..I took Huntington later out my bag from this year and XXXX that had XXXX XXXX them that I received cause I knew that was going to be an excuse ..so then she ordered another card and said it was rushed and would be there in Monday XX/XX/XXXX Once again..I didn't believe her continued the correct procedure to withdrawal not the suggested showing up on Wednesday... So ..I then was told to come in Tuesday.. Tuesday came ... of course went and got my money and left the XXXX in each account as I said I was..when I came they asked if the card came on Monday... I let them know It didn't ..and proceeded to let them use the counter and timer to count out my money ... they never mentioned anything else about the debit card ..Today is Thursday not sure if the stopped the card cause I withdraw the money or not ..would like to start an arbitration on the matter ..have cost me time my health and money
Product: Checking or savings account

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  Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting and Unlawful Practices in XXXX XXXX XXXX XXXX I am writing to file a formal complaint regarding an issue with the XXXX XXXXXXXX XXXX XXXXXXXX and its inaccurate reporting of my account status. I believe the actions taken by the system in this case are unlawful, and I would like to bring this matter to your attention for further investigation. 

On XXXX, I resolved a disputed account by paying off the debt. At the time of settlement, I was assured that upon payment, the account would be reported as both " paid off '' and " disputed. '' However, despite having made the full payment, the account is only reported as " paid off '' and does not reflect the " disputed '' status as promised. 

I have made every effort to resolve this matter by contacting the relevant parties involved, but the issue persists. The failure to report the account as " disputed '' after payment is misleading and detrimental to my credit history and financial standing. 

I believe this situation constitutes an unfair practice under the Fair Credit Reporting Act ( FCRA ), as it fails to reflect an accurate account status and may cause harm to my creditworthiness. The inability to properly update the account as " disputed '' after payment undermines my legal rights as a consumer. 

I respectfully request that the Consumer Financial Protection Bureau look into this issue and take appropriate action to ensure that the XXXX XXXXXXXX XXXX XXXXXXXX complies with all applicable laws and regulations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, my savings account was changed to a checking account in the XXXX XXXX XXXX of Citibank and it has been impossible to obtain an online view of this checking account. Also, it took five weeks to obtain said checks because I was told that they did not have my " zip code ''. On XX/XX/2023, a visit was made to the XXXX XXXX, Illinois, branch of this bank where I was told that I needed a debit card to obtain an online account to view my checking account. On XX/XX/2023, an ATM card was sent which did not allow me to get anywhere because it was not a debit card. On XX/XX/2023, a debit card arrived and it was impossible to see my checking account online as well. This is very frustrating and causing me great XXXX
Product: Credit card or prepaid card

Was offered a 3 % promotional credit on my Bank of America credit card for payments made under a Home Improvement & Furnishing categories. Payments made to contractors was an eligible payment under this category. Made a {$2800.00} payment for well pump replacement to a licensed contractor but the bank is claiming the payment is being categorized under " cleaning and maintenance ''
Product: Mortgage

I had water damage to my property and the insurance company sent me a check for repairs which had to be endorsed by Nationstar and myself. I mailed the check to them immediately and did not receive it back until almost 2 weeks later. they claimed the check was mailed on XX/XX/XXXX when the envelope states XX/XX/XXXX. then they stated in a letter to me ( see all attachments ) that if I did not return the certification document and copy of insurance adjuster 's report within 15 days they would put all additional funds into a restricted escrow account when I do n't even have an escrow account with them. Both documents were faxed to them twice and when I called they claimed they did not receive them. I have a receipt from the fax that they were received by Nationstar.
Product: Credit reporting or other personal consumer reports

To Consumer Financial Protection Bureau Subject : Formal Dispute of Unauthorized Credit Inquiry by Ally Financial I am writing to formally dispute an unauthorized hard inquiry appearing on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Ally Financial Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Ally Financial was made without my explicit consent. I did not apply for credit or any related services with them. Under the FCRA ( 15 U.S.C. 1681b ), a credit inquiry requires the explicit consent of the consumer. 
Misleading Practices : I believe the inquiry was conducted under misleading circumstances, which further exacerbates the violation of my consumer rights. The FCRA emphasizes the need for transparency and consent in credit reporting.

Violation of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is both unauthorized and inaccurately presented on my credit history. 
Potential Harm and Liability : The presence of an unauthorized inquiry on my credit report negatively impacts my credit score and may affect my ability to obtain credit in the future. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with any requirement imposed by the Act, including unauthorized inquiries.

Request for Action : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report, ( XXXX, XXXX, XXXX ). The misleading nature of the inquiry underscores the need for prompt corrective action. Failure to rectify this situation will result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I may also pursue legal remedies for any damages incurred as a result of this violation. 
Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report showing the correction. 

Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

VW Credit made it impossible to make timely payments without the use of direct bank withdrawals by insisting on alternative primitive methods via XXXX XXXX and XXXX that often times don't work and charge exorbitant processing fees and delays. VW Credit received timely payments for 18 months and they cost me recent denial of credit by financial institutions. I was threaten by customer service of repossession in order to intimidate.
Product: Money transfer, virtual currency, or money service

Cash App failed to return funds to my account sent to the wrong vendor on four different occasions totaling {$400.00}. 

I notified Cash App the funds were sent to the wrong merchant but they refuse to refund my account. 

Cash App previously informed me that it is there policy to return funds to a customer if the customer disputes the transaction with their bank. 

I disputed the transactions with XXXX XXXX XXXX. Cash App still refuses to refund the money sent in error. 

As a result of Cash Apps failure to mitigate this matter- my account with XXXX XXXXXXXX XXXX was closed.
Product: Credit reporting or other personal consumer reports

Verification of Charge-Off and 1099-C for account # XXXX, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the reference number Account XXXX. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If the company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within XXXX business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting account that were not mine. Under FCRA, I have sent several letters to request proof of that these accounts are mine, and all they send me is a reply that they are verified. I have sent several letters via certified mail The accounts listed as negative XXXX XXXX XXXX XXXX XXXX XXXX ... 

collections accounts XXXX XXXX They are required under FCRA to provide original documentation and have not provided me with any proof they are my accounts as required under FCRA section 609.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Transunion are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.
Product: Credit reporting

I have disputed this account twice with the credit bureau. I have sent information concerning the payment history for the account on file. I sent information showing that my child support payments are not late as they continue to state. The bureau even received information direct from the company showing my payment history, yet they are allowing this information to continue to remain on my account. On my credit file it states that I have not sent a payment in for this account since XX/XX/2016, which has been proven by myself and the reporting company to be a lie. I have sent letters to the reporting agency asking for copies of my payment history and they have yet to respond. However, they sent the information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report the account XXXX XXXX inaccurately. The account has several inaccuracies that lets me know this account has not been validated or verified. The high balance, last verified, date of last activity, date reported, closed date, creditor type, creditor remarks, last payment, account type, credit limit. These areas can not all have different dates and information. 

XXXX and XXXX are reporting late payment but different months. XXXX is reporting it as a collection but not TransUnion and XXXX. 

Furthermore I have equitable interest in my credit application which was used to fund this credit transaction so therefore I can not be late when the interest should settle the account. TransUnion, XXXX, and XXXX continue to report inaccurate information knowing it to be false.
Product: Mortgage

Shellpoint Mortgage Servicing has refused to remove the {$2500.00} charge for Other Deferred Amounts from our monthly statements. The amount in question represents three monthly payments they posted to our account subsequent to the date they purchased our mortgage. There are four issues in this matter. 
1. The {$2500.00} amount represents three payments of {$860.00} for the months of XX/XX/2014, XX/XX/2014 and XX/XX/2014. 
2. This amount was not included on our monthly statement when XXXX  XXXX XXXX was the servicing agent prior to the mortgage being sold to Shellpoint Mortgage. 
3. These charges were applied to our account by Shellpoint Mortgage Servicing retroactively subsequent to the date they purchased our mortgage from XXXX  XXXX XXXX. 
4. Paragraph # 4 of the modification states in referring to Deferred Principal Balance I will not pay interest or make monthly payments on this amount. 
The significance of this is with Shellpoint including this amount in the monthly payment statement it becomes Past Due which triggers inspection fees, late charges, Notices of Intent to Accelerate and other fees. 
This situation violates the terms of our mortgage. More seriously this mortgage has been sold twice in four months with serious problems in the transmission of the current financial data. My question, is this an attempt to defraud mortgagees with selling and transferring the mortgages?
Product: Debt collection

Focus Receivable Management continues to call our home saying they are a debt collector and we must call them. We do not have any outstanding delinquent debt. I have checked their website and this company appears to be fraudulent. They call us every day. Please do something to make them stop calling innocent people. I 'm sure by the reviews I read that they have used scare tactics and should be reprimanded for their actions.
Product: Mortgage

I would like to file a formal complaint against SUNTRUST MORTGAGE. 
I am receiving correspondence from Suntrust Mortgage almost daily in regards to late payment which was included in a chapter XXXX. The bankruptcy has been discharged and one of the criteria from the TRUSTEES was to make sure mortgage to be paid on time. I have made every payment on time since bankruptcy and Suntrust is continuing to show late fees which has since been paid by bankruptcy court. 
I made XX/XX/XXXX and XX/XX/XXXX payment on time and today I am receiving a registered letter stating I 'm 2 months behind. I have spoken to XXXX representative from Suntrust and I was told they would update their record. Nothing has been done and I refuse to allow them to report missed payment to Credit Agency due to their inefficiency.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. After thoroughly reviewing my credit report, I have identified unauthorized and fraudulent entries that are negatively impacting my credit score. I was the victim & I'm not sure why the CRA  is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 
I understand that, under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. The presence of these fraudulent accounts is not only damaging my credit score but is also a violation of my rights as a consumer. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

Data breach XXXX compensation per violation immediate payment check sent to XXXX XXXX XXXX san franciaco.I recieved an email confirmation that my information was compromised in the data leak. I have never gave permission or consent to any agency to report on my behalf. Immediately remove all negative items! have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major XXXX XXXX Equifax, and others I have submitted XXXX XXXX letters of challenge and compliance with no response for months now. I just sent out last week round XXXX of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round XXXX letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. The disputed accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX : {$25000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX BANK XXXX XXXX XXXX {$12000.00} XXXX : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX UPGRADE XXXX XXXX : {$0.00} Status : Closed Account # : XXXX UPGRADE XXXX XXXX : {$0.00} XXXX XXXX OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how XXXX of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Product: Checking or savings account

Hello XXXX XXXX After SOFI BANK closed my account. SOFI said they mail my available balance {$1000.00} to me with check and I didnt receive it. I call them of recent that I want my money to be sent back to me inform of direct deposit and I give them my account number and routing number. Please I want solution to this issue. I just want my money back through direct deposit
Product: Credit card

I rented a car from XXXX. I paid for the car from XXXX. Then XXXX charged my Capitol One Visa card {$100.00} for a moving violation in New York. The only problem? I did n't go to New York. I was n't renting the car when the moving violation happened. I called XXXX - they did n't give my money back. Filed a chargeback with Capitol One - they did n't give my money back either.
Product: Student loan

I have been with FedLoan and pursuing Public Student Loan Forgiveness since 2017. I am fully eligible to have waiver payments added to my count and there has been absolutely no movement in my account. There are people who just recently consolidated to FedLoan and are already seeing updated counts and forgiveness. That is asinine when I have had the correct loan type for 5 years. I submitted another PSLF form two weeks ago to possibly trigger some type of actual review of my account but it seems itll be several more months despite new customers being automatically forgiven. I expect an updated waiver applicable count in order to make immediate financial and tax filing decisions especially in light of my adherence to all PSLF program rules for many years.