23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I read on XXXX that it was possible to get accelerated, immediate entry into Bank of America 's XXXX XXXX preferred rewards if I called an agent at XXXX and deposited $ XXXX. Otherwise the program requires a XXXX  month wait which I did not want to do. 

BEFORE DEPOSITING funds, I spoke with XXXX XXXX at XXXX XXXX XXXX and he ASSURED ME if I deposited the $ XXXX, he would help me get XXXX XXXX right away. In reliance on that promise, I deposited $ XXXX and then Bank of America 's usual runaround and lack of follow through on promises began. 

First, I spent an entire day being told my wire transfer would be bounced, which ultimately it was not but only after I wasted many hours on dealing with it. In fact, my wire transfer of $ XXXX went into the account just fine. Then I tried to call XXXX to follow up and he " disappeared. '' Was always out of the office or " unable to take my call. '' So I escalated to a supervisor who ALSO assured me he would take care of it. XXXX XXXX. But XXXX and behold when I called preferred rewards, they had no record of any of it. More hours wasted on the phone with no result. 

Finally, I chatted in and was told actually the rules just changed and this is no longer possible. I asked for an exception be made given the promises made to me and NOTHING HAS HAPPENED. It's unbelievable how this bank treats its customers. More runaround and excuses but no action. This is fraud in the inducement to get someone to put their money based on false promises. 

This all led me to postpone a large purchase hoping they were going to follow through, and I lost again as they apparently use the " posted '' date that was delayed of XXXX instead of the transaction date of XX/XX/year> so I lose even MORE rewards.
Product: Credit reporting or other personal consumer reports

I did not receive statements from ( capital one auto finance ) 21 days before. the due dates for the months of ( XX/XX/24 & XX/XX/24 ). According to the FCRA, 15 USC Code 1681a creditors must send statements at least 21 days before the due date to allow consumers sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out 21 days prior to the due date. Please provide tracking #.
Product: Student loan

Submitted application showing unemployed XX/XX/23. Was told Id receive follow up emails every 10 days. That was a lie. Never received anything. Called again on XX/XX/23 and spoke to XXXX ( ID XXXX ) at XXXX XXXX AFTER HOLDING FOR TWO HOURS. Was told I submitted XXXX app too early and it would be processed in XXXX days. Seems random and like she was just trying to get me off the phone. Nothing ever came of it. Application still in review. Was also promised callback and email. Also lies.
Product: Checking or savings account

Someone had hacked into my cash app account and took {$340.00} out. They took XXXX out once they took XXXX out once and they took {$300.00} out once. Will they text me when the XXXX was coming out and hadn't come out yet I told them do not let that go through and they said they wouldn't the same person that did all three transactions. Cash app suggested that I open up a new account with a new email and they would reimburse me the money that was fraudulently took out. Open up a new account with a new email and I waited approximately 7 days cuz they told me be 7 to 10 days before they put it back in. I tried to open up my old account and my also my my password wouldn't let me in and I didn't have the same phone number. I've been going through this almost 3 months now with cash out time to get this money back in my account with no headway whatsoever. I've given them the same information over 50 times at least 50 times I've had over 50 correspondence with them and still haven't had no results at all. Can someone please help me here they owe me {$340.00} and I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ex-wife opened multiple credit card accounts without my knowledge and ran up thousands of dollars of charges unknown by me.
Product: Debt collection

I had an HELOC from BOA that I owed XXXX back in 2014. After 180 days of missed payments, BOA charged it off. I recently made agreement with BOA to settle the debt. The settlement agreement that was paid wasXXXX in XXXX of this year. I sent it to the attorney who was working to collect on the debt. Looking at my credit report, the debt is still reflecting on my record as an unpaid charge-off. I disputed this item with the Credit Bureaus about the tradelines on my credit report was outdated and erroneous. In response to the dispute, the credit bureaus communicated with BOA about receiving payment from me and BOA expressed that a payment was not made to them from me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate or verified, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. This is the date of the return letter from Experian on XXXXXXXX XXXX XXXX, file number # XXXX : XXXX XXXX XXXX  XXXX # XXXX ( discharged bankruptcy, which I don't have a bankruptcy on my report. 
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  These is the items that Experian claims they did an investigation on but sent no evidence to me to verify it.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPBXXXX ] XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request TransUnion to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through XXXX XXXX. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a XXXX XXXX  credit Account. I only have a joint checking account with XXXX XXXX  ( opened in XX/XX/XXXX ), not a credit card.
Product: Prepaid card

I 've had this prepaid card for some time now. I have a portion of my paycheck deposited to it. On Sunday, XX/XX/2017, I went online to make a purchase. The card was declined. I wonder why when I have close to {$1000.00} saved up so I proceed to try a second time. That 's when I reached out to the card customer service. I was advised that my card was at a negative. They went over numerous transactions which I was completely unaware of. I immediately asked them to shut the card down and requested for a Dispute Form so that I could file a claim. I did everything I was advised to do. File a police report and submitted it along with the completed Dispute on the XX/XX/2017. Today, I received the frustrating and disappointing letter from them indicating that the claim was denied because these were face to face transactions and the card was present. This is completely appalling because I had the card the entire time. I was using the card at work when these transactions were fraudulently being conducted some where else. I 've been struggling these past couple of weeks because this is money I put aside for my every day needs as I am a single mother every penny counts. It will be a great hardship for me to loose these funds. I 'd like to file a formal complaint on this company for the way they have handle this situation. Not only was I not notified on time to avoid the loses but now they basically tell me that I have to go out of my way to reach to each everyone of these merchant and try to get the money back when there is more than enough evidence that these charges were not made by me. This is a great discrepancy and they failed to protect the funds that I work so hard to support my family. It may not be big bucks but is my money. Your assistance in resolving this matter is greatly appreciated. 

Below, I have included the fraudulent charges along with prepaid card company and my information : XXXX GA XXXX Dispute Processing Fax XXXX Tel XXXX Mastercard ending in XXXX : Fraudulent Charges XX/XX/2017 {$83.00} XXXX Ny XX/XX/2017 {$150.00} XXXX NY XX/XX/2017 {$110.00} XXXX NY XX/XX/2017 {$150.00} XXXX XX/XX/2017 {$44.00} XXXX Ny XX/XX/2017 {$57.00} XXXX NY US XX/XX/2017 {$13.00} XXXX, NY US XX/XX/2017 {$12.00} XXXX NY US XX/XX/2017 {$15.00} XXXX NY US XX/XX/2017 {$16.00} XXXX NY US XX/XX/2017 {$140.00} XXXX NY US
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Re : Dispute and Complaint against XXXX XXXX Dear CFPB Representative, I am writing to dispute and complain about the unfair and inaccurate reporting of a charged-off account by First Progress. The account, which appears on my credit report as " XXXX, XXXX was allegedly charged off and written off in the amount of {$160.00}. 

I strongly dispute this account and its reporting for several reasons : 1. Failure to provide a 1099-C : As a result of the charge-off, First Progress was required to provide me with a 1099-C form, which I never received. This form is necessary for me to report the income on my tax return. 
2. Inaccurate reporting : Despite the account being charged off and written off, XXXX XXXX continues to report that I owe a balance. This is inaccurate and misleading. 
3. Unfair tax benefit : XXXX XXXX claimed the charged-off amount as a loss on their taxes, which provided them with a tax benefit. However, they failed to provide me with the necessary documentation to report the income on my tax return. 

I request that the CFPB take immediate action to : 1. Investigate this matter and require XXXX XXXX to provide me with a copy of the 1099-C form. 
2. Correct the inaccurate reporting on my credit report and ensure that the account is updated to reflect a XXXX balance. 
3. Take enforcement action against XXXX XXXX for their failure to provide accurate information and for their unfair tax benefit. 

I have attached a copy of my credit report, which shows the inaccurate reporting of the account. I would appreciate it if you could look into this matter urgently and take corrective action to resolve this dispute. 

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

I'm composing this complaint to DISCOVER BANK. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Product: Mortgage

The Housing Assistance Fund for Covid agreed to pay through the designation duration and there have been no interruptions.

Rushmore Servicing bought the loan from Rushmore Management in XX/XX/XXXX, while HAF stated confirmed payments continued, Rushmore Servicing stated they have not received any payments forwarded from Rushmore Management to their operations.

Housing Assistance Fund confirmed dates, and the fact they were told in wriitng by

Rushmore Managment that the funds received were processed and will be forwarded to new servicer, thus Rushhmore Servicing. Rushmore Servicing has not followed up on this servicing crucial process and put the loan in jeapardy
because of it. So I called HAF explained the alarming situation and they responded with evidence of dates in hand, that the former servicer contacted them as stated above.

HAF last week investigated the payments and has issued the following dates of payments and stated directly to me that they were accepted and processed HAF associates ( XXXX and XXXX and XXXX ) furthermore that Rushmore Management sent them an email that the following payments will be forwarded to Rushmore Services ; XX/XX/XXXX processed XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX processed XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX processed on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX processed on XX/XX/XXXX for XX/XX/XXXX payment. 

Also the last email I received from Rushmore Management ( attached ) shows on XX/XX/XXXX a payment for XX/XX/XXXX was processed. 
Meanwhile Rushmore Servicing seems to not follow up on this process and instead signals a letter for foreclosure for XX/XX/XXXX. 

According to Rushmore Management " Rushmore confirmed your authorization on the account, based on the Trust documentation provided, and your authorization was added to the account on XX/XX/XXXX. '' as I accepted the trust for the home several years ago I was authorized and the owner with Rushmore management. It should have transferred over as should have the government funds, that should be credited Their letter of transfer firmly stated ( enclosed ) that they will apply and credit as well as forward the former servicer payments if made after the transfer.

This company is not properly transferring service. They have put my home at risk at my age and refuse to communicate with the Housing Assistance Fund to secure payments that should be forwarded and credited. They are issuing a foreclosure procedure for XX/XX/XXXX stating they have had no payment since XX/XX/XXXX, see attached receipt email from former servicer. thank you.
Product: Credit reporting or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Product: Mortgage

THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents from the loan modification and family and name transfer of this loan between the dates of XX/XX/XXXX and XX/XX/XXXX. In addition please provide all documents from XX/XX/XXXX to XX/XX/XXXX the period of OCWEN Loan Servicing. I have made several request for this information without receiving this information. You have closed complaints as duplicates on several complaints submitted. As recent as today you submitted that you were making an interim response when you were in fact Closing the Complaint. As I submit this QWR QUALIFIED WRITTEN REQUEST, NOW on XX/XX/XXXX @ XXXX XXXX. OCWEN has not sent notice to me or the CFPB that you have closed the last complaint submitted XX/XX/XXXX as Complaint Closed with an explanation, The same explanation you continually lie and use to cover the mistakes you have made. 

What is ridiculous is this same information OCWEN is lying and denying is on file with the CFPB. 

Again, THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents transacted from XX/XX/XXXX to XX/XX/XXXX, in regards to this loan. 

OCWEN has reached a new low. You have provided only the original loan documents signed by my DECEASED DAUGHTER, originally signed XX/XX/XXXX. 

You have had this loan only since XX/XX/XXXX and the original request was for the transactions subject to the original complaint first filed. Trust that you will not get away with this. This will become my lifes work. I will now make everyone in this country aware of OCWEN who is not already aware of your hideous reputation for loan servicing errors and law suits and what you have done while lying slogan continues HELPING HOME OWNERS IS WHAT WE DO. 

THIS IS A QWR, QUALIFIED WRITTEN REQUESt, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, THIS IS A QWR, QUALIFIED WRITTEN REQUEST, PLEASE, PLEASE, Provide all documents since XX/XX/XXXX when you started servicing this loan to XX/XX/XXXX, in addition to the loan modification and family transfer documents from my deceased daughters estate, and documents relating to the attempted transfer of this loan in a foreclosure status with {$13000.00} due upon transfer and documents relating to payments returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 60 days I have been trying to obtain information about my credit reporting without success. I am trying to validate the debt reporting from USCB America & XXXX XXXX. Please provide me an itemization showing proof and accuracy that USCB America & XXXX XXXX belong to me.
Product: Checking or savings account

I deposited a check from another bank that was written to me on Monday, XX/XX/XXXX. My cousin wrote me the check in order to assist me in time sensitive bills that are accruing interest daily. A hold was placed on the entire check, prohibiting me to access the funds, and I contacted XXXX XXXX branch in XXXX, WY multiple times yesterday for assistance but continue to be told there is nothing they can do, or it is out of their hands and refuse to provide me information on who to contact to get more information. Meanwhile, the bills I am needing the funds from the check for, are accruing interest at a rate I will not be able to pay off when the money is available for me to use.