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

My wife and I deposited a check that we received from a Home Title company after we sold a house. The check was from the Title companies banks Escrow account. The deposit was made on XXXX at a local Bank of America XXXX XXXX XXXX Missouri. We were told by the Relationship Banker that we would have a small part of the funds available to us on XX/XX/2022 and the rest will be available on XX/XX/2022. About an hour after leaving the bank, I received an email stating the check was being put on hold. Not thinking to much on it. On XX/XX/2022 I tried logging into my account and was denied access. I then called customer service. I was then told that My Checking account was closed. After asking why, I was told that Bank of America had made a Business decision to close my account and that is all they had showing as reason. And that is all anyone would tell me. I was then told I would not be able to withdrawal any of my money or get the check from the Title company back from the bank until they account is fully closed, which they do not have a time on when it will be. But when it is, they will Mail me a Cashiers check in the mail 10 -15 days after that said bank account it closed. I contacted the Title company and was informed that the bank did receive the money from the Title company for the check on XX/XX/2022, but they never deposited it into my account, but instead close my account the next day and hold my funds for no reason or any reason that will tell me. I was never given notice of the account being closed as they also said they don't have to give me notice or do they have to give me a time when they will refund me my money.
Product: Mortgage

Last year my husband and I filed for XXXX due to a business failure. It was an S-corporation, so this affected us personally. However, we were able to keep our home and have paid both our primary mortgage as well as a small balance on a HELOC consistently without missing a payment. 

Our HELOC was with XXXX XXXX XXXX XXXX, which was purchased by XXXX. After the bankruptcy, despite being in good standing, XXXX sold or otherwise transferred the loan to Dovenmuehle. I already know the line of credit would no longer exist. I have continued to make payments. Our bankruptcy was already discharged on XX/XX/year>. 

I have called Dovenmuehle many times because I have no access to my loan information either online or with paper statements. 

Sometimes they say they can not give me digital access ( for legal reasons ) but they will send a statement in the mail. However, they have never sent one. The never agree to give me any details over the phone, despite verifying my identity. No the balance, not confirmation they received my latest payment, nothing. I think this is unconscionable. 

They said the law does not allow them to provide access digitally because of the bankruptcy. I know this is false, because the bank where we have our principal mortgage has continued to provide both digital access and paper statements. 

I submitted my pay-off request on XX/XX/year>, and still have not received it. I did get a letter confirming they got my request, but give me no time frame when I can expect that information. I am very frustrated and wish to pay the loan off and be done with the horrible company. I should not have interest accruing when I am ready to pay the loan off in full.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ssistance in addressing serious inaccuracies and unauthorized activity on my credit reports that have not been corrected despite my repeated efforts to resolve them directly with the credit reporting agencies. 

After obtaining my Federal credit report, I discovered multiple inquiries on all three of my credit reports ( XXXX, XXXX, and TransUnion ) that I did not authorize. In addition, I have identified several other discrepancies, including : XXXX. Collections Misreported : Accounts that have been paid off are still showing as open collections, and they continue to reflect as negative items.

2. Inaccurate Status of Accounts : Paid-off balances are still being reported as delinquent or showing as having late payments, which is affecting my creditworthiness. 
XXXX. Incorrect Personal Information : My credit report contains aliases and variations of my name that I have repeatedly requested to be corrected or removed, yet they remain. 
4. General Inaccuracy and Misreporting : Other items on my credit report are simply not accurate or up-to-date. 

I have sent multiple dispute letters, followed up by phone calls, and have repeatedly asked the credit bureaus to verify the accuracy of the reported information, but they have failed to do so. In most cases, my calls are dropped, or I am transferred and subsequently disconnected without resolution. This has been extremely frustrating and has created a significant hardship, as these inaccuracies are negatively impacting my financial stability and my ability to provide for my family. 

As this has caused me considerable stress and detriment to my credit standing, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that the credit reporting agencies take appropriate corrective action and resolve these disputes in a timely and thorough manner. 

I would greatly appreciate your assistance in bringing this matter to resolution and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase on Walmart.com with my Walmart Credit Card/XXXX XXXX Merchant Name : XXXX XXXX XXXX DATE OF TRANSACTION : XX/XX/2020 Amount of Dispute : XXXX Due to CoVid, I thought purchase a Ultraviolet machine to disinfect. In making an Medical appointment, I mentioned purchasing the machine and told with my health I should not be using it. I immediately logged into my Walmart.com account to cancel the order. The same day XX/XX/2020 XXXX  sent me an email stating the third party vendor would contact but did not receive a call nor an email. After not receiving that email, I called to dispute the charge and it was credited back to my Walmart Card. Although I sent cancellation and refund, I continued to monitor because I wasnt confident this company would cancel the order. I found that this company shipped the item a month after cancellation so I sent another email on XX/XX/2020. I asked XXXX why would they ship the item after I cancelled the order. On XX/XX/2020, XXXX finally replied apologizing and ask for more details and if I still do not need to ship it back. This was a delay tactic for the package to be accepted then I would have difficulty sending it back and get my refund. This company purposely waited until XX/XX/2020 to process the order anyway but I intercepted and return to sender. On XX/XX/2020, I received a rebuttal letter from XXXXXXXX XXXX  stating the merchant says he did not receive a cancellation notification from me. XXXX received the item back on XX/XX/2020 @ XXXX XXXX  unopened and returned before delivery to me. XXXX added this charge back to my account for some flimsy excuse and should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to remove my extended fraud alert from Equifax. I was able to do so with ease via XXXX and XXXX. 

Equifax does not have an agent to speak with nor do they have anything online. Their page states that the extended fraud alert can be removed by telephone but then they state they are unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with XXXX XXXX XXXX. Initially had them to cover my car, but they gave me misleading information and did not attempt to help me with any issue, specifically with the auto payment function. They told me that the auto payment would be added to my account, after giving them the proper banking information. This did not occur, and made my account go to collections. They also misquoted me the monthly amount for each payment and refused to acknowledge their mistake. The amount owed went to collections, and when I attempted to contact the collector, I had no response for over 2 months.
Product: Debt collection

I mailed Capital One a letter disputing the Debt, then a send letter asking for the Debt to be validated and asking for a listing of the charges and payments ( all transactions on the account ) - this way we could come to a settlement arraignment and agreement. I first requested this information in XXXX of XXXX  via a Debt Validation letter. I requested this information again over the phone XX/XX/2022, I gave a fax number and I was told it would take 3 - 5 business days to receive that. I called back on XX/XX/2022 to up hold my end of the settlement agreement. I still had not received a listing of the transactions ( beyond the time they said it would originally require ). When I requested the listing again on XX/XX/2022 I was transferred two more times instead of someone simply sending over a listing of what exactly I am paying them for.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX constantly violates my rights as a consumer under the FCRA. I give documents that are requested then they try to find another reason not to honor my accurate and complete Identity Theft Reports. I am submitting yet another documents requested. I got a receipt for my initial police report complaint. Under section 605B under the FCRA I demand the fraudulent accounts be blocked from my credit file and stop treating my accurate and complete documents as frivolous. I expect a thorough investigation not an automated update in a day or 2.
Product: Debt collection

Debt collcetion company agreed to remove from credit report once paid and they DID NOT AS AGREED
Product: Credit reporting or other personal consumer reports

THIS COMPANY AS WELL AS THE XXXX XXXX XXXX XXXX HAS VIOLATED THE FAMILY & EDUCATIONAL AND PRIVACY ACT OF 1974 AND ALSO WHEN I SIGNED UP FOR STUDENT LOANS I SIGNED A PRIVACY ACT FORM THAT SAYS THE SCHOOL WILL NOT PROVIDE MY STUDENT LOAN TRANSACTION HISTORY TO ANY THIRD PARTY COMPANIES.
Product: Mortgage

Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to take my account off of escrow and the fact that I paid my property taxes -- -- I paid my property taxes -- -- -- -- -- -- -- -- -- -- -- -and homeowners ' insurance
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : {$4600.00}
Product: Debt collection

FMS Financial Solutions keeps running my credit without permissible purpose. The company keeps pulling my credit without my permission. This has been happening since XXXX. The most recent inquiry took place XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the account XXXX XXXX XXXX, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On Experian the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC
Product: Credit card or prepaid card

I have an account with XXXX which is serviced by Comenity Bank. I paid a day late over the XXXX holidays and incurred a late fee. I did not dispute this but asked for a courtesy removal since I only recently opened the account and have no trouble paying my bills. The fee was reduced from {$39.00} to {$24.00}. On XX/XX/XXXX I paid my bill on the due date at XXXX in the XXXX, after I arrived home. I am XXXX  at an XXXX XXXX XXXX and work 60-70 hours a week. It is often not possible to get to a phone or on line for personal reasons during the daytime. Comenity added a {$39.00} late fee to my account for not paying before XXXX XX/XX/XXXX. I spoke to a customer service agent who could not remove the fee - and could not reduce it because of the XXXX reduction. He transferred me to XXXX, a service account specialist at Comenity ( # XXXX ) and she said that this is Comenity policy. This is a deceptive practice. For the moment, I would like this late fee reversed. In the long run, I would like Comenity to change their policy. Either give the consumer until XXXX  or make the due date a day earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX ACCT  XXXX DATE XX/XX/XXXX {$730.00} XXXX XXXX ACCT  XXXX DATE XXXX {$980.00} XXXX XXXX XXXX ACCT  XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX  ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX XXXX XXXX ACCT XXXX DATE XX/XX/XXXX {$620.00}
Product: Mortgage

you allowed these XXXX XXXX  to drag their feet for XXXX years after a pandemic when they offered me a forbearance when I was current on my mortgage. they lied to me over and over telling me that we were going XXXX offered to do a loan modification the whole time trying to steal my home and I complained about this in XXXX and you did nothing so I have secured a {$25000.00} grant from Ohio, save the dream and I have the balance. to take care of the redemption process they have added a bunch of non-applicable illegal fees, and have refused to respond to me so I can get this done. This company should be held responsible for the kind of business practices that they do. Even the Attorney General is appalled doing this to a family after a pandemic. I will take these people to court. If this continues I need help from your agency!!!!?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/2019 Amount {$38000.00}. 
Action taken : Fraud Affidavits for all accounts were sent to the company and credit bureaus. Disputes were sent and asked for an authentic contract and or application on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month XXXX of 2022 XXXX XXXX XXXX produced a late payment towards my credit report in the amount of XXXX XXXX I've tried to contact the company with no response back so in accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 15 USC 6802 A. may not disclose personal information.
Product: Mortgage

To Whom it may concern ; My name is XXXX XXXX XXXX here to file a complaint against XXXX XXXX ( XXXX XXXX ) for lack of help on behalf of a veteran, which whom reached out to these entities who held my mortgage. On XX/XX/XXXX of XXXX  I purchased a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for my family and I. The purchase was made from a XXXX XXXX XXXX XXXX XXXX. The XXXX showed an absolutely beautiful home. So we sold our home in XXXX packed our things got on the road and moved to XXXX. Once we got here much to our surprise when we open the door it was nothing like we thought the house was a total disaster holes in the walls. Bodily fluids on the walls water seeping through the floor throughout the whole bottom floor. Trash was left in the house. Things were broken. We couldnt stay in these conditions. I had to max out my credit cards for a hotel for us to stay in while trying to clean up as much as we could in the house to make it livable. We couldnt afford the mortgage we ask the mortgage company for help multiple times and they said no. We asked the realtor for help they left us high and dry. It messed up my credit so badly that I had to file for a XXXX XXXX XXXX. And thats where Im at today can you please help my family and I with this issue please and thank you so very much.
Product: Credit reporting

The credit bureau has several incorrect addresses on file. I have informed them to remove the inaccurate information from my credit file. However, the incorrect information remains on my report. I have provide Transunion with the correct address and employer that should be listed on my credit file. The inaccurate information still remains on my file.
Product: Debt collection

Following a misleading advertising from XXXX, I requested and agreed to a XXXX subscription totaling {$410.00} made payable in XXXX installment. They make it looks like you pay monthly and i thought i was committing to 1 month subscription. Also they advertise a 3 days cancelation policy. I called to cancel XXXX after the subscription. They replied stating that terms don't apply and sent me to a debt collector RFGI ref # XXXX. There are hundreds of complaints online about XXXX service misleading advertisement. My bank refunded me but i had to pay today again since i don't want my credit score to be impacted ... is there a way to fight them and at least to protect future customers?
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX XXXX afternoon I called Quicken loan for property taxes to pay. XXXX XXXX said I can pay mortgage any time. XX/XX/XXXX XXXX XXXX  I paid quicken loans thru mobile app XXXX XXXX. XX/XX/XXXX quicken loans stolen XXXX. I asked fifth third, fifth third said XXXX taken. I filed dispute fifth third. I called Quicken loans, XXXX said yes we have XXXX paid thru XX/XX/XXXX. I told XXXX mobile app quicken defeated. Woman quicken asked me did you get text? I told woman internet problem. I told woman ask fifth third about their business. I hung up called back I told woman XXXX stolen give money back. XX/XX/XXXX quicken loans tira middle asked me do you have bank statement? I told middle please give back XXXX. I told middle we can call fifth third the rep can verify XXXX paid XX/XX/XXXX. XXXX  did three way phone. Fifth third refuse to verify. XXXX myself called back. XXXX XXXX  refused to verify. XXXX told me Quicken didn't get XX/XX/XXXX payment. We need to set up XXXX. Quicken loans email XX/XX/XXXX said payment XXXX received. XX/XX/XXXX XXXX. Payment scheduled. I called fifth third XX/XX/XXXX acct deposit XXXX dispute approval. XXXX quicken loans deposit. I called Quicken told rep I need to give back extra money not mine. XXXX said XX/XX/XXXX. XX/XX/XXXX XXXX called me I asked XXXX how to send back XXXX? XXXX refused. I called back XXXX gave me payment center address in XXXX illinois. XX/XX/XXXX fifth third said quicken tried to take XXXX. I told fifth third no quicken loans employees scam. I filed ftc complaint quicken. XX/XX/XXXX XXXX quicken loan asked me again for XXXX. Thru email from quicken I never got response on giving back XXXX also I need to give my new acct information for mortgage payment
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XXXX, 2022. Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should not include a active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after i asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account name : XXXX XXXX XXXX. Account number : XXXX.