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

My account was frozen and closed due to a fraudulent transaction. I filed a claim because someone used my account number for a fraudulent transfer. So the claim was resolved in a few days so I tried to withdraw my money from Bank of America. They froze my account and closed it. They tried to make it seem like I was the perpetrator in this matter. I received a letter saying my account was closed and so front. So I was like okay no problem I dont want to back with this horrible company as we all may know already. 2 representative said I was sent a check once my account was closed. Which was 3 weeks ago from todays date. I called them today to find out my funds was frozen as they validate where the funds came from. Its obvious where the funds came from. It was a wire from my XXXX XXXX account that I closed in order to have one bank. The representative said I have to call the other bank XXXX XXXX to get the money back. Its not possible to file a claim on a wire. Especially on a closed account. The amount is {$6500.00} in which I need.
Product: Debt collection

Southwest Credit Systems is trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX   XXXX XXXX Experian - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX,, Not reported XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, JPMCB AUTO FINANCE and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XX/XX/year> JPMCB AUTO FINANCE XX/XX/year> XXXX XXXX  XX/XX/year> 2023
Product: Debt collection

I was formerly seeking help at XXXX XXXX University for my XXXX health XXXX at the age of XXXX. I was practically homeless from my mother XXXX By doing so, I have been contacted multiple times by PSG regarding the debt " I '' owe. I have repeatedly asked them to stop calling, and to get in touch with my mother who is financially responsible for me as a minor. As a minor in this situation, I have made it clear to PSG that I was in no way, shape, or form to legally sign such a contract holding me financially responsible for this debt. They claim to have tried contacting my mother, but have not been able to reach her. Therefore, they have unlawfully submitted this to my credit bureaus without my permission ; despite my best efforts in setting the record straight. PSG has threatened multiple times to take this balance out of my bank accounts using my social security number until the balance is zero. I have been called names repeatedly by PSG, hung up on several times, and nevertheless the endless " robocalls '' after I have told them to stop contacting me. PSG has never ONCE " mini- miranda 'd '' me. They have NEVER confirmed my identity with these continuous calls, never have given me my rights to dispute, etc. I took things into my own hands and did research to sue for these calls and the way I have been wrongfully mistreated numerous times by Profit Services Group. I have an attorney and I am ready for further action. I have also sent a dispute to XXXX explaining what is going on with this collection showing on my credit, that once again, is not legally my responsibility.
Product: Checking or savings account

I was incarcerated for a certain amount of time and when I came home I noticed my card was used fraudulently and reported it which got my account deleted or I'm not sure something of that sort I was no longer able to log in then a few weeks later they emailed me with provisional credits then approved my dispute but my account was already closed so I requested a check they said give it XXXX days a which I did and still haven't received it. I was supposed to receive my check on XX/XX/XXXX for {$530.00}.
Product: Mortgage

I am writing with grave concern that we are not being helped by our mortgage company. We were transferred to them XX/XX/2019 from XXXX XXXX  XXXX when they went out of business. We had gotten a letter stating that during the process of being transferred over we wouldnt have to pay right away, they gave us a 90 day grace period. We missed one payment, and we paid double the amount of our mortgage in XXXX of {$3500.00}. Since that time the company has put us in default, I had to start a loss mitigation and when we were almost to the finish line with a better house payment, they denied us with no answer. When I call I get transferred to a heating company, when they call and I tell them this they dont have any answers. When I call about why my payments are being placed with the month they are being paid on they tell me that we are MONTHS behind. We have never been behind like they are saying with any house payment in the past. They have made it completely impossible to catch up, refinance and not live in fear of losing our home. We send the documents they ask for just to send them three to four if not five times more. Nothing we do seems to be leading us in the right direction. We are two military Veterans that work hard every day with the injuries we have and are being taking advantage of. I need to get out from under this mortgage company and I need to keep my home. I have all the statements, all the statements from a year ago til today. I dont know where this all went wrong and can not get any answers from the mortgage company. Please can you help me?
Product: Credit reporting

I have disputed the following several accounts with Experian as the accounts are too old to be on my file and I am with my rights according to FCRA to ask for the deletion of the several outdated accounts. Experian indicated that they verified the accounts however verification of the accounts has nothing to do with outdated information and requesting for Experian to removed the outdated information from my credit report. 
XXXX XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Account charged off. 
XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
STUDENT LOAN XXXX XXXX Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed.
Product: Checking or savings account

Every time I use this account and there is a problem with a vendor or merchant. Cash app comes back immediately with a denial even with proof that I did not receive the service that I paid for. I paid for a service from an online vendor. The vendor sent me a bogus link that never worked and failed to respond back to me. I submitted that to cash app request requesting my money back and they immediately denied it. 

As of recent, I visited XXXX XXXX XXXX XXXX. I paid for the stay through XXXX but there was a {$100.00} hold ( XXXX XXXX $ XXXX ) placed on my card. I checked in XX/XX/2025 and checked out XX/XX/2025. I received an email & paper statement upon check out stating the balance was {$0.00}. I contacted CashApp on two different occasions to find out why the money was still being held. First they told me I had to wait until XX/XX/XXXX. The second time I reached out, they told me that I had to show proof of a receipt or email that the balance was {$0.00} to be discharged. I gave them both! They then came back and said I needed to show proof from XXXX XXXX XXXX that there was a {$0.00}. I didn't stay at XXXX XXXX XXXX!?! I requested a call and the representative went back to me having wait 30 days to get my money released. I know they have released before with proof. 

There is no protection when it comes to your money here and I am pretty certain that I am not the only person that is dealing with this issue. I have lost lots of money because they refuse to investigate properly. Today was the last straw for me and I moved my money to my regular bank. Something needs to be done with CashApp!
Product: Money transfer, virtual currency, or money service

Cash app closes account with no warming won't let me send or receive
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. In my letters, I specified the accounts in question and outlined the violations being made against my consumer report. It has now been over 30 days, and I have not received a response. Attached are copies of all the letters I previously sent. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as " disputed. '' Additionally, FCRA 605 ( c ) has been violated, as the account is reporting the incorrect " date of last activity. '' It should reflect the last date a payment was made, not the date of the account 's last activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my delinquent student loans with the Dept of Education. Yet, my loans are still showing delinquent status on all three bureaus. This is hurting my ability to correct my credit profile. 

DPT ED/XXXX {$2800.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$3100.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$1800.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX  {$5000.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXXI {$2300.00} Balance updated XX/XX/2021 5 late payments DPT ED/XXXX {$4000.00} Balance updated XX/XX/2021 5 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 9 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments XXXX {$0.00} Closed 10 late payments US DEPT ED {$4200.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$1400.00} Closed Unknown payment history US DEPT ED {$3400.00} Closed Unknown payment history US DEPT ED {$7300.00} Closed Unknown payment history US DEPT ED {$2100.00} Closed Unknown payment history US DEPT ED {$2300.00} Closed Unknown payment history US DEPT ED {$0.00} Closed 23 late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was purchasing a new home. My loan officer asked me to unlock my credit. I had locked my credit with XXXX  and XXXX, because they offer free online accounts to lock and unlock ones credit at will. So I unlocked XXXX  and XXXX. My loan officer came back to me and said, Experian is locked too. Experian charges {$25.00} for the ability to lock and unlock at will service. I was surprised. When I went online to research and remove the credit freeze, I noted that an email address not associated with me had set up the freeze. It was very scary. So I worked with Experian to remove the freeze temporarily and change the email address to my email address. I also asked them to mail my PIN since the person who created the account is the only one who has access to the PIN. I still have as of yet to receive the PIN. I am currently trying to replace the vehicle we have and the company needs my income in order to do so. I tried to go online and lift the freeze, but they are stating that I need to mail in the request, which I am now forced to do. I can't upload the information, even though they offer that if I wanted to just pull my credit report. I don't want to pay {$25.00} a month to control my own credit, so I have to snail mail in my documentation forcing a 5-7 ( not a confirmed timeline ) day wait for me to access my own credit. I feel this is their way of giving consumers no other option but to pay {$25.00} a month to access their reports. If it wasn't, I should either be able to upload information or answer questions about myself and access my credit. Hopefully the lender will work with me because they were able to pull my XXXX  credit, but they only use Experian for final approvals. This is an unfair practice where I am unable to have access to my own credit. I should never have to pay to have access to my credit in real time. XXXX  and XXXX  do not force me to pay to do that. I believe actions should be taken to force them to allow access to real time credit. Other services can be paid services, but it is my credit. I should control the lock and unlocking of it. IT is stressful because of someone else I have to go through so much for my own credit.
Product: Debt or credit management

, Lexington law they did not fix my credit and I was being charged for service. They did not complete.
Product: Mortgage

We began application for the " Making Home Affordable Act '' almost 5 months ago with our mortgage company RSC. I am the highest income earner in our home had a major accident and XXXX surgeries. This has prevented me from working and it has prevented us from being able to pay our mortgage due to the loss of income and now paying many new bills related to the surgeries. 
In XXXX 2015, our mortgage company confirmed by phone they had received a complete packet and a copy of the packet was also submitted to our PMI insurance company. 

We waited appx. 30 days and still had no answer as to what the mortgage company recommended and if we qualify for any programs under the MHA in XXXX. In addition, we received two letters, one letter states we did n't submit all documentation and that we had called and cancelled the application. If that has n't made matters worse, we have now received collection letters stating they will be moving forward on a foreclosure. I have made multiple calls to RSC in the past 3-4 weeks and everytime I speak to them they just say we do n't need to submit anything further and our application is in review. 
Today, I received a Certified Letter from their attorney now claiming further action on our account if unpaid and foreclosure proceedings are definitely moving forward. Our PMI insurance company has even spoken to them and they keep adding new documentation requests that are completely outside of the RMA application requirements. We feel that the mortgage company is doing this to delay our application, they are lying to us when we call on the status of the application and that they never even gave us consideration for the program that we more than qualify for to save our home of 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I send a certified letter to Comenity Bank regarding credit reporting issue. In that letter I requested the bank to update/correct incorrectly reported information regarding credit card payments. 

In XX/XX/XXXX I entered a payment arrangement/hardship program. The contract required three consecutive on-time payments for the account to be reported current. I committed to this program for 1 year with ALL on-time payments. 

As I started to work on my credit report, I noticed late payments for ALL Comety credit cards ( XXXX, XXXX 's and Victoria Secret ), specifically during the " contracted '' period. 
I feel I have met the requirements of the program, therefore I should not be penalize for late payments. 

Most recently, I signed up for a credit card from XXXX & XXXX  ( managed by Comety ). A payment was schedule, however an innocent typo on the checking account blocked my account from accessing funds or online usage. The same account is used to make payments online with other products ( XXXX, etc. ) and never had that problem. Could they come up with linking accounts to avoid this troublesome problem of mistyping account numbers? 
I contacted customer service on Friday XX/XX/XXXX from Ms. XXXX and Ms. XXXX both were not able to address my concerns regarding waiving fees and reactivating online access.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNT WAS NOT AUTHORIZED BY ME. THE COMPANY IS UNABLE TO PROVIDE ME PROOF OF MY AUTHORIZATION. THIS ACCOUNT WAS OPENED FRADULENTLY WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. PLEASE FOLLOW THE LAW AND REMOVE THE FOLLOWING ITEMS. 
XXXX : XXXX : {$3200.00}
Product: Credit reporting or other personal consumer reports

In XXXX of 2018, my XXXX credit card stolen and maxed out. I immediately notified XXXX of this but they did not close my account. They continued to come after me to collect the balance of the card that was run up by the thief. 

They began to report negative information to all credit bureaus that I was delinquent and that they eventually closed the account. The account was then given to an attorney who sued me for XXXX  in XXXX XXXX. I provided affidavits and documentation of the identity theft and the lawsuit was dismissed. 

I've been trying for YEARS to get XXXX to stop reporting this incorrect information. In the past month, I've sent XXXX separate affidavits demanding that they remove the information and included my personal identifying information, police reports of the theft, copies of the lawsuit information, pictures of my driver 's license, pictures of my social security card, and a copy of a utility bill. XXXX did not even investigate this claim. They merely sent a standard letter saying they couldn't find my account and I would need to fill out another form. This has gone on for years. 

My credit has been ruined. I can't even qualify for a new house because of XXXX failure.
Product: Mortgage

I am behind on my mortgage due to unemployment. I called the Mortgage company to see if there was anything that I could do, any type of program that I could be involved in. The first time I applied it was turned down because I had XXXX income reported ( coming in ). I called XXXX XXXX to see if there was anything that I could do and they said : " yes '' reapply if I had a " Contributor '' that I could add on the account. They asked me if I did, then they went over preliminary questions with me on the phone. One question they asked was how much does the contributor pay towards the mortgage. I said " {$1000.00} '' a month. After I gave them all of my financial responsibilities they said yes, they had a program that they could enter me into. They sent me the paperwork to fill out, I filled in the paperwork and sent it in with, they called me back and said they needed paystubs of the contributor and from me on my new part-time job. I sent it in, then they called and said that they needed proof that the contributor resided at the address. In about a week they sent me what they call " An Affordable Mortgage '' of {$2200.00} a month. Original Mortgage was {$1800.00}. They wanted a Trial Payment of " {$2200.00} a month, for 3 months. When I called them they said that is the best that they could do. I contacted XXXX and XXXX asked them why they used 100 % of the contributors ' income when the contributor is NOT a spouse and is not on the mortgage. What I was looking for was a temporary mortgage that is affordable while I continue in my job search. I also wonder why they never said there was a program for me when I said the contributor contributes " {$1000.00} '' a month and they used 100 % of the contributor 's income when the contributor also has expenses. I am aware that I am behind, but when I reached out to Penny Mac it was for help. Currently, there is no way I can afford {$2200.00} a month. The VA contacted them also and asked if the would consider extending the term of the mortgage for a lower temporary payment and they said no.
Product: Credit card

My Bank of America credit card was used for a fraudulent {$170.00} charge at XXXX XXXX number XXXX in XXXX NJ. My claim was denied by BoA because they somehow determined my physical card was used. This is impossible because I the card was with me and my card must have been copied or skimmed somewhere. I just opened a police report with XXXX XXXX and am registering a complaint with CFPB as this is outrageous. At the time the fraudulent charge occurred, BoA actually sent me an alert text message asking me if I approve the charge. This means BoA itself knew this charge was potentially fraudulent immediately! My claim denial makes no sense and others / BoA need to be aware of how long time customers ( since XXXX  ) are treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has sent letters for foreclosure on our home for money not owed put it on our credit Charging fees we dont owe.they took over servicing our loan XX/XX/2019 problems from first billing statement till now. I have requested every call recorded to 25 different people iv spoke to, they say Ill talk to my manger.iv requested to speak to manager but never able to till XXXX of this year and after talking to manager problem still not rectified. This problem is preventing us from refinancing while rates are low Our loan # XXXX thank you for your help XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was in complete disbelief when I saw incorrect accounts on my credit report tonight, with no explanation as to why they were there. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser to see if it was a technical error, but the mistakes remained. This is incredibly concerning, and Im asking that the documents I submitted are thoroughly reviewed so that I can stop worrying about this.