23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I transferred money on western union on XX/XX/2019 two times by accident. 

I called and had them cancel both transactions. I got a refund for one of them that day. 

I have called over 10 times about the other one. They were suppose to escalate I still never heard anything. 

I confirmed with my 3 times I only got one refund back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have added a credit freeze on my report since XX/XX/XXXX. I was a victim of a robbery in XXXX and XXXX. My social security number was also exposed through XXXX XXXX XXXX breach and experiain information breach.. I am still getting letters in the mail for credit getting denied for things I have not applied for. I still have over 22 credit inquiries on my report from the XXXX and current. I was told I needed to send a copy of my ID, and ssn, and bill. I did that last time the lost it. I want all inquiries removed from XXXX, all the way through XXXX. Also they even have a address that is incorrect and the information on all 3 reporting agencieshave different incorrect information.Their should be no credit report. No car no credit cards no loans. Why I am I still getting credit inquiries with a freeze on my report. I also want to be compensated for there mess up
Product: Mortgage

I am unable to obtain a payoff statement from Bank of America. I have requested a pay off statement online, over the phone and in person. Bank of America has not provided a payoff statement, and I am unable to speak with anyone who is able to provide a payoff statement. I even went into the local Bank of America branch where a nice lady worked for over an hour to find someone who could generate a payoff statement, but ultimately, she was unsuccessful and sent me home. 

It seems unfair and abusive for Bank of America to not provide a payoff statement. It seems that they are trying to force me to keep my mortgage and pay more interest to them. If they are unable to provide a statement soon, my closing will be delayed, which will result in Bank of America making additional money. This unfair and abusive business practice should be illegal ( or maybe it is ).
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to CFPB complaint XXXX claiming the data furnisher was contacted regarding the collection account and that the furnisher verified the account is under collection. Experian used the automated process through XXXX and failed to review the documentation enclosed with my complaint -- they did not forward this information to the data furnisher. The documentation I submitted is the data furnisher'sresponse to CFPB XXXX on XXXX XX/XX/2022. The data-furnisher clearly states they have ceased all collection efforts. Experian disregarded/ignored the response the collection agency provided to the CFPB and instead relied upon XXXX  automatic verification.
Product: Mortgage

I was scheduled to close on Thursday,  XX/XX/XXXX . On Monday,  XX/XX/XXXX  Keybank got word that I had opened up a new line of credit. I was told ( I believe by the next day ) to simply close this account and to provide the letter stating that I had done so. Of course it typically takes a few days to receive this documentation so a new extension was created through  XX/XX/XXXX  or before and my file was being sent back to clearing conditions. On XX/XX/XXXX  my agent got word back that Keybank was trying to deny my loan because there was some paper work that was missing which I do n't understand because we had literally just had a date, time and place scheduled for closing. She was told that something had went wrong with the loan number in the system and that Keybank would possibly have to begin a whole new application and go through the underwriting process all over again. The issue is that because of several extensions prior to this, the seller which is a bank is not willing to extend our deal past  XX/XX/XXXX . I feel like no one is giving me or my agent clear answers as to what is going on and I feel like there is foul play going on. It sounds like I 'm suffering because of the bank 's " error '' and that is totally unfair. I run a business out of my home and you have no idea how this has impacted me. Not to mention I put up {$2100.00} earnest money that I can not just afford to throw away. No one is calling back explaining whether or not we can meet this deadline or what happened exactly and it is very frustrating.The entire process has not been pleasant. If it is an error on Keybank 's part I feel like they need to provide a letter or something that persuades the seller to allow them the time to correct their mistake. I 've done my part as a buyer and should n't have to suffer for it. There is no reason why I should n't be able to move into this home.
Product: Checking or savings account

I have issues regarding overdraft fees that went unresolved and it has greatly impacted me. I have in past tried to close this account out and I have to not use the card at all with no pending transactions. Overdraft fees have impacting I to the thousands with this company and this country allows banks to do this. I spoke with a corporate rep regarding over draft fees one last time and spoke with a customer service rep about how to close my account and the company still has this stance that I can not use my bank account in order to close it. Which is tough because I have direct deposits and bills on a regular basis coming out. Transactions don't come out sometimes 2-3 days. 

This bank has never cared about me as a customer at it shows.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Addresses on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of fraudulent addresses listed on my XXXX credit report. These addresses are not associated with me, and I have never resided at or used these locations. The inclusion of these fraudulent addresses is both inaccurate and concerning, as it may indicate potential identity theft or data inaccuracies. 

Details of Disputed Information The following addresses appearing on my credit report are fraudulent and must be permanently removed : 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 Correct Address : For your records, my actual and correct address is as follows : [ Your Current Address, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), XXXX is required to ensure the maximum accuracy of the information it maintains. Reporting addresses that do not belong to me violates this obligation. Additionally, under 15 USC 1681i ( a ) ( 1 ), I have the right to dispute inaccurate information, and XXXX must investigate and remove unverifiable or incorrect data. 

Requested Actions : Conduct a thorough investigation into the addresses listed as fraudulent.

Permanently delete all inaccurate addresses from my credit report.

Provide me with a copy of the updated report confirming the corrections.

To assist with your investigation, I have enclosed a copy of my government-issued ID and proof of residence showing my current address.

I expect this matter to be resolved promptly, and I request that you notify me in writing of the outcome within the 30-day period required by law. 

Thank you for your attention to this matter. 

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

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved .the cfbp has recently filed a law suite against experian, alleging systemic issues as failing to forward consumer provided evidence to furnisher accepting unreliable responses and failing to notify consumers of dispute outcomes.
Product: Credit reporting

TransUnion is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$1200.00} High Balance {$1200.00} The XXXX account they are inaccurately reporting is XXXX. They are reporting the incorrect date on this account as well. I have attached supporting documents with the original bill from the creditor that this needs to be corrected on my credit file. TransUnion is reporting the date of XXXX/XXXX/XXXX when the correct date this account went delinquent is XXXX/XXXX/XXXX. Below is the account information ( also attached ). 
Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$190.00}
Product: Credit card or prepaid card

I have been a Bank of America customer since XXXX and now a victim of fraud. I only have the one credit card with them and no other accounts. My balance on XX/XX/XXXX was {$350.00}. 
On XX/XX/XXXX, I was notified of suspected fraudulent activity. Here is the timeline of events for resolution : XX/XX/XXXX - went to the local branch after the notification. The bank associate informed me that an online checking account had been opened in my name on XX/XX/XXXX. 
{$4900.00} was transferred from card to newly opened checking account, and immediately {$1900.00} was transferred through XXXX to an account ( Conf # XXXX ; XXXX XXXX XXXX XXXX  XXXX ). 
A fraud claim was opened on the checking account by BoA on XX/XX/XXXX. 
They cancelled the stolen credit card and issued another card. The stolen amount was then added to the newly issue credit card plus fees from the XXXX transaction bring my balance to ( {$5500.00} ). 
On XX/XX/XXXX BoA informed me that their research had determined that I was not the person responsible for opening the fraudulent checking account, and closed that account and claim. 
After numerous calls from XX/XX/XXXX - XX/XX/XXXX to the BoA fraud department they finally opened a claim on the stolen credit card on XX/XX/XXXX. 
I have continued to make payments since XXXX on my original {$350.00} total before this all happen. 

Please let me know if you need any copies, or more information Thank you
Product: Mortgage

i really dont know where to start but im not really happy with my mortgage financial company i have been with hsbc for 14 years and this last 2 years has gotten crazy i had problems with them since day one but this is getting very stress for me, so here i begain XX/XX/XXXX i paid my house payments and XX/XX/XXXX i went on vacation and my husband XXXX had called me and told me that hsbc called and said that i hadnt made any house payments since XX/XX/XXXX so i proceeded to call them and they said no they didnt say that and so i got it straighten out and thought we were doing ok for year XXXX XXXX at the beginning of the year i recieve my bill in the mail like my first statement for XXXX so then a few weeks later i got a bill for XXXX i proceeded to pay it then i thought very thing was ok no phone calles no lettters until XX/XX/XXXX XXXX i started getting foreclosure notices and i called and they said we were behind 6 month of payments and i told they needed recheck the records and so i didnt want to fight with them i cried and had to tell XXXX and so i agreed to pay a payment of XXXX and they also said i wasnt making the full payemn of XXXX i never reicieve a notice i was going to refiance and ran into errors they hsbc hadnt put it on our credit for 1 year i called and asked why and they told me that they havent done it for a year so i had got an email from XXXX and and i called and they put it back on my credit and they insisted that i was 3 months behind i paid the XXXX and i asked when it was going to going to be posted and they told me that day and as of today XX/XX/XXXX, its not been posted and i have to do a phone conference with XXXX on XX/XX/XXXX so she can do a defered payment and she asked when i would make the XX/XX/XXXX payment i told her on jauary XXXX and im calling that payment so i can get a reference number this has cause me so much stress i had to put a hold on paying other bills, and the broker called me and told me he couldnt refieance me for another year and with them hsbc changing my payment date from the XXXX of the month to the XXXX of the month is going to show me late and they have showed on my credit from day one that i was always late because they would hold the payment for 2 or 3 weeks they are a really hard fianacial company to work with im XXXX and want to refiance but they are ruining my credit
Product: Checking or savings account

On XX/XX/2022 I received an email stating " Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account. 

Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX XXXX XXXX " I've tried to contact multiple times to resolve the issue but get transferred or hung up on. 
I can not access my funds on my account.
Product: Mortgage

Our new home mortgage was acquired by XXXX XX/XX/XXXX. Our escrow account was funded with over $ XXXX at that time for taxes due XX/XX/XXXX. 4 months later on XX/XX/XXXX XXXX sent over $ XXXX in payments from my escrow account t for taxes on homes I do not own. I made XXXX calls and got someone who said they 'd address in XXXX weeks. On XX/XX/XXXX $ XXXX payment was disbursed from my escrow for accounts that are not mine. It 's currently XX/XX/XXXX and my valid tax accounts are unpaid. 

XXXX has XXXX tax accounts associated to my escrow account that are invalid. I fear there are many more payments to be made in the coming days and their customer service has not addressed the issue. 

Once these funds are refunded to me we will refinance through a real bank. Can you help us get our funds back and stop the erroneous disbursements from our escrow account?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FAIR CREDIT REPORTING ACT, XXXX, Equifax, & XXXX are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy
Product: Debt collection

Transworld Systems Inc. is trying to collect on a debt for XXXX XXXX. I used to live at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, CA and I moved out in XX/XX/XXXX. Initially, XXXX had tried to charge me for the cable boxes but I proved I returned them and paid my balance in full in XX/XX/XXXX. In XX/XX/XXXX, Transworld Systems has tried to collect the debt by phone from a number that does not verify who they are and because I was a victim of identity theft multiple times I wouldn't give them my date of birth, address or the last 4 of my social security number unless they told me what they had and I would verify if it was correct or not. Initially, they would refuse and I refused to give them my personal information. My response was always to send me correspondence through the mail and I would call them back after I received it. I never got the correspondence probably because I hadn't lived at that address for almost 3 years and my mail forwarding from the post office had long expired. After numerous harassing calls from them, I finally agreed to give them partial information based on the understanding that if I provided the correct information they would tell me why they were harassing me. Once they told me that XXXX XXXX said I owed them money I informed the lady to call me back next week and in the interim, I would go to the XXXX office that I returned my equipment to and straighten everything out. When I went to the XXXX XXXX in XXXX XXXX ( which since I had long moved out of the area and was 120+ miles from where I lived ) I was informed by the XXXX representative that I had paid my outstanding balance with them in XXXX and I did not owe them any money. The lady from Transworld Systems called me back I explained to her that XXXX said that my bill had been paid long ago and she still insisted that I had an outstanding balance and that if I didn't pay it, Transworld Systems would take legal action and I told her that I was done talking to her and hung up. I have not had any further interaction with Transworld Systems until they placed collection accounts on my credit report. Once I was notified by XXXX, XXXX, and XXXX that the collection accounts were negatively affecting my pristine credit record, I called Transworld Systems I was told that even if I paid the debt it would still appear on my credit report. I informed them that I would have my attorney take care of this and he informed me to take this step prior to initiating any legal actions. I am XXXX XXXX XXXX with severe XXXX XXXX ( I have XXXX XXXX XXXXXXXX ) and I don't need the added stress from a collection company. My health is my top priority and I don't need to be arguing with debt collectors about something I do not owe! 

For the record, it is my belief that Transworld Services bought old XXXX debts for pennies on the dollar and they now own the debt and want to get money anyway they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

I have disputed this fraud XXXX  account XXXX with Transunion going on 4 months and Transunion lied and said they did an investigation which i found out that they did not.I HAVE SENT A POLICE REPORT FTC REPORT AND letter from XXXX stated that this account don't belong to me. Transunion have violated my fair reporting rights. This fraud account should be removed because its a fraud account and don't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information off my file. The items that I need are listed in the report. I am a Victim of identity theft and did not give any person permission to use my information and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit, I.D., & Proof of Address. Please delete them as a soon as possible.
Product: Debt collection

see letter enclosed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : EXPERIAN XXXX XXXX XXXX AND XXXX IN XXXX TEXAS XXXX RE : REQUEST TO MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPRTING STANDARS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY AND COMPLIANCE ELSE WISE OF EVERY SINGLE ONE EACH ANY OR ALL THE ASPECTS OF ALLEGED ACCOUNT INFORMATION DOCUMENTARIFY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. 

NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF THRUTH, ACCURRACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SOO PROVE NOW OR DELETE CLAIMS. 
UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annuled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY METRO 2 COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBALLY OR WRITING PERMISSION TO EXPERIAN TO FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW collection charge off account XXXX Date : XX/XX/XXXX ALSO DATE OF ACCOUNT APPEARS ITS WRONG WAS IN XX/XX/XXXX XXXX XXXX CC.DRIVER LICENSE CC.PROF OF RESIDENCE CC.SOCIAL SECURITY
Product: Credit reporting or other personal consumer reports

My Social Security was used by companies below and without my consent. I have never given any of these companies permissible purpose to access my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit card

We made a purchase of a XXXX XXXX using my Discover Card ending in XXXX the first of this year. The dryer was never delivered by XXXX because the delivery company was not able to meet the delivery date. The order was cancelled by XXXX which we have verified with XXXX several times and the attached documents show that the dryer was never delivered. Discover Card has charged and refunded the purchase of this driver 5 times now resulting in our being charged for this dryer which was NEVER delivered. XXXX has told us several times that they would contact Discover and resolve this only to have Discover Card charged the dryer back to my account, now, today, for the fourth time. We did NOT receive this dryer and we will not pay for it just because Discover Card is unable to read and understand the documents they have been sent on several occasions by XXXX. The total of this original purchase was {$700.00}. XXXX charged this amount to Discover Card in two transactions : {$640.00} for the Dryer and {$60.00} for the delivery fee. At the current time Discover Card has recharged us for the Dryer but the delivery fee has not yet been recharged. It more than likely will be and is part of this complaint. NOTE : On the letter sent to us by Discover that shows Whirlpools response to the original dispute of the charges on the bottom of page XXXX XXXX tells Discover that the original purchase has been refunded in full, Discover has known this from day XXXX and ignores it.