23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover wanted me to go through a " Verification process '' and sent me an IRS form to fill out. They gave me 2 ways by which I could verify my details : 1 ) I could provide Discover with information of the taxes I filed last year ( I did not file any taxes LAST YEAR because I was in XXXX and HAD NEVER BEEN TO THE US!! I entered the country a month ago. ) 2 ) They gave me an option to provide them a notarized copy of AT LEAST 3 MONTHS of my bank statements. ( I could not do that as I was NOT EVEN IN THE US FOR 3 MONTHS. My bank account is 1 MONTH OLD. ) Now they will be closing my card account because they do not have any alternative ways to verify my details. And them closing my account will likely affect my credit score which is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand to DELETE immediately those accounts or I will file a litigation that cause me stress.
Product: Mortgage

My complaint against Shellpoint Mortgage Services is falsifying information within my account, failing to follow through on the ACH promised to fulfil the escrow amount of money owed to me and lastly, using a stalling technique to keep from paying the escrow owed to me. 
Note : all of the conversations between those at Shellpoint Mortgage Services and me were recorded on the part of Shellpoint Mortgage Services at Shellpoint Mortgage Services as well as recorded during my calls to Shellpoint Mortgage Services. 

Today I spoke with XXXX XXXX of Shellpoint Mortgage Services at XXXX XXXX  confirming the mortgage was paid off and added that Shellpoint Mortgage Services owes me {$2800.00} but would not ACH the money into my bank account. 
On Thursday, XX/XX/2021 at XXXX XXXX  I spoke with XXXX at Shellpoint Mortgage Services, who confirmed the wrong account number was in the file and transferred me to XXXX XXXX in customer service. After providing her the same info she agreed that Shellpoint would electronically transfer the {$2800.00} within 24-28 hours to the correct account. 
On Monday, XX/XX/2021 at XXXX XXXX spoke with XXXX at Shellpoint Mortgage who took my bank routing number and account number advising that a transfer would take place regarding the escrow amount of {$2800.00}. 
On Friday, XX/XX/2021 at XXXX XXXX confirmed that Shellpoint Mortgage had not received final payment. 
On Tuesday, XX/XX/2021 at XXXX I checked with Shellpoint Mortgage had not received final payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong information, wrong address : FCA Violations XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY MAIL RETURNED XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out a letter to Transunion requesting removal of the inquiries on my credit report as of today XX/XX/2024 i have not heard back from this company
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. 
Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. 
However, to my dismay, these disputes have not been duly noted as required by law. 
Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.
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 USC 1681. 
XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, 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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX GEORGIA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

THIS IS NOT A DULICATE COMPLAINT BUT XXXX REACHED OUT FOR COVID RELATED HARDSHIP ON XX/XX/XXXX WAS PROVIDED INTREST EXT ON LOAN ENDING XXXX//XXXX  SAID CALL BACK ON XX/XX/XXXX AND WILL GET ASSISTANCE THE SAME ON LOANXXXX .CALLED TODAY WITH XX/XX/XXXX @ LENDING CLUB GOT NO SATISFACTION / NO ASSISTANCE/ REQUESTED ESCALATE I HAVE TAKEN XXXX PAY CUT AND TAKEN IN 2 DEPENDENTS WITHOUT BENEFIT OF SUPPORT /CALLED AGAIN REP OFFERES PLACE IN A MODIFICATION WITH NEARLY SAME PAYMENT!!! I HAVE TAKEN A XXXX  YEAR PAY CUT DUE TO COVID AND TAKEN BACK 2 DEPENDENTS DUE TO COVISD WITHOUT BENEFIT OF SUPPORT DUE TO COVID, NO ONE WILL GET PAID IF THIS IS THE WAY THEY PLAYING IT
Product: Bank account or service

On XXXX XXXX, I made an online deposit for a {$200.00} check. I mailed the check on XXXX XXXX to make sure it was received within the 7 day requirement. On XXXX XXXX, I discovered that the online deposit had been reversed by nfcu on XXXX XXXX without explanation and without notifying me. This is the SECOND time this year nfcu has stolen my money and I want it back immediately. They now have my check and I do n't have my money. THIS IS COMPLETELY UNACCEPTABLE!!! They are supposed to be protecting my money, not stealing it. CUSTOMER SERVICE XXXX!!!!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : CXXXX XXXX XXXX
Product: Credit card

We retail and service outdoor power equipment. We sell XXXX XXXX from a company in XXXX, TX. ( XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, ph # XXXX. Since the fall of 2013 they have been surcharging us the fee the American Express card charges and calling it a convenience fee for purchasing merchandise from them. Specifically Redmax product shown clearly on the billing invoice. 
In Texas it is illegal to charge this and we have tried numerous times to ask them to stop doing this. They said they could charge and this and went a step further. We wanted to purchase this product from another distributor that does not charge this fee. They were threatened they would sue because of territory maps. We have contacted American Express and they are disputing this. Also spoke with the State Attorney of Texas consumer complaint division, and we were also told to file a complaint with your office.
Product: Credit reporting or other personal consumer reports

I received a credit alert on XX/XX/23 from XXXX XXXX stating that someone opened a credit card under my name. This was done without my knowledge and consent. I called FNBO and informed them of this so they put a freeze on my account. They recommended that I notify the Credit Bureau in which I did.
Product: Credit card or prepaid card

In XX/XX/2020, I opened a CC with Apple/Goldman Sachs for the purchase of 2 XXXX  when I purchased them at the Apple XXXX. I was already on an installment plan for my old phones and the Apple rep assured me that this would be the same and that my auto-pay would be setup the same. Sometime around the end of XXXX or beginning of XXXX, I received a phone call from Goldman stating that I was 3 months late on payments. I asked them why this was the first I had heard from them and they stated that had tried to email me. I later found out that these emails were being intercepted by XXXX XXXX spam filter - so I wasn't getting them. I immediately paid the account current and was advised that Goldman would clean up the mess on their end. Approx 30 days later I was notified by the Credit bureaus that Goldman erroneously reported my XXXX payment late but had reported XXXX and XXXX as " on-time ''. I filed a dispute with the 3 CC bureaus but Goldman insisted that their reporting was accurate. An accurate report would have been that I was technically late XXXX, XXXX AND XXXX but Goldman said that they would clean it up since my auto-pay was messed up. I called Goldman @ XXXX to inquire about just paying the account off and closing it - they hung up on me. I thought it was a mistake but they have my call back number if it was a simple disconnection. This issue has caused my credit score to go from XXXX down to XXXX and resulted in a higher rate for a car that I recently purchased.
Product: Credit reporting or other personal consumer reports

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 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 has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under para
graph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 reached out to experian several times regarding this information being incorrect I submitted documents of data breach on their behalf and XXXX XXXX but credit bureau continues to update not remove invalid information
Product: Credit card or prepaid card

I have been a long time Bank of America customer ( 30+ years ) and signed up for a Bank of America Travel Rewards card knowing that as I accrued points in their reward program I could one day redeem them for statement credits against future travel expenditures. 
Well, the day came in which I traveled to a Hotel and used the card. In fact, the charge on my billing statement specifically labels the charge as " XXXX XXXX '' and also highlights the foreign city in which the hotel is located. 
Upon receiving my billing statement I went redeem my accrued points against this Hotel charge and was perplexed when I did not see that the Hotel was available for travel credit. I called Bank of America 3 specific times to try to talk with someone. The representatives agreed that it was silly that a Hotel charge was not available for travel credit. On the 2nd call to Bank of America I was told that the charges are NOT classified as a Hotel thus they would not be available for travel credit redemption. I told them, of course it is a hotel ( HOTEL is in the name of the charge ) and they are happy to look it up online ... Bank of America said that they would escalated it. After Bank of America not getting back to me in their promised timeframe ( with only days left to pay my bill ) I called for the 3rd time and was told that in their system the HOTEL charge did not show up as a hotel ( not my fault ) and that they would not honor my ability to use my accrued points against travel charges. No one could explain to me why this was the case and no one at Bank of America would take ownership to correct this situation. Frankly, at this point, I would label the Bank of America Travel Rewards card as a " bait and switch '' scheme to attract customers to become long time users ( as it takes time to accrue points ) and then, when you go to use them for actual travel, they deny the use of credits. I have been a longtime customer at the bank, we 10+ accounts and now will most likely unwind my 30 year relationship because Bank of America refuses to do the right and honorable thing. This is NOT the type of financial institution that can be trusted anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's concerning inquires on my credit report for the past XXXX months, that I have not had involvement with. I have noticed that my report shows XXXX hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.
Product: Mortgage

I have been devoting my entire life for the last two years fighting with OCWEN loan servicing. They are completely and totally inept, send us letters saying they have n't received payment when the check has cleared BEFORE the date of the letter. Their call center is in XXXX, and they just have drones answering the phones reading from scripts. That is how I got into this mess in the first place, by following the instructions I was given from XXXX. That was two years ago, and I am still fighting. It should not be a full time job paying your mortgage and dealing with the mountains of incorrect and useless paperwork one receives from them. However, i refuse to give up. If I have to DIE from fighting them, I will.
Product: Credit reporting or other personal consumer reports

Requested debt validation, and current status on XXXX shows it reporting and open. No knowledge of alleged debt and creditor.
Product: Bank account or service

On XXXX XXXX, 2015 I contacted PNC bank because I saw a charge from XXXX in the amount of XXXX. I contacted my bank to let them know that this transaction was not authorized by me. PNC bank removed that transaction. I asked the representative how XXXX was allowed to post a transaction on an expired debit card. I had used this debit card a couple years back to purchase the online version of the software. It looks like the automatically sign you up for automatic renewal.My debit card ending in XXXX expired on XXXX. 

In XXXX of 2015 I received a new debit card ending in XXXX with a different expiration date. I has awoke from sleep the morning to find that PNC post the transaction of XXXX and I incurred XXXX XXXX fees associated with that transaction. I with into the XXXX site and login to find they had my new expiration date ( attached document ). Until today I had not logged into XXXX 's site since filing my taxes in XXXX of 2015. I am very curious to know how XXXX acquired my new expiration date because they surely did not receive it from me. 

I was advised by XXXX that if your credit card is expired, your bank can authorize a charge and also update the new expiration date. I was told that they can do this without notifying the customer. I believe that customer should be notify and have the opportunity to say no to this service just lilt opting in or out of overdraft protection.
Product: Credit reporting

I am unable to receive my Credit Report from the XXXX XXXX that a Government site recommended. I Just Tried Equifax again and this page popped up afterwards. https : //fact.econsumer.equifax.com/fact/verifyAuthentication.ehtml ... I tried to get a loan recently from my bank to buy a car, and I was declined. I just want to find out who I owe money to so I can pay it off and get a car with heating and air conditioning to take me to work. I wish it was n't so difficult. I made some bad decisions when I was younger thinking I could afford things I could not or hospital bills. My boyfriend is great with his finances and I do n't think he would want to marry a girl who could n't even get a credit report, let alone a loan. Sorry. Could you help? Thanks. Equifax , XXXX, and the other one are not recognizing me at all.
Product: Checking or savings account

BBVA Compass had a checking account sign up promotion for {$200.00} ( " XXXX XXXX XXXX XXXX XXXX '' promotion ). The terms stated the following requirements : 1. Must have a direct deposit within 60 days of opening the account from an unrelated 3rd party company ( employer or a government agency ) in the amount of at least {$300.00} to post into the new checking account.

2. The account must have been opened between the dates of XX/XX/XXXXto XX/XX/XXXX.

3. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

I applied for the account onXX/XX/XXXX, however the account was not opened until XX/XX/XXXX, 12 days later. They claimed that because the account open date was after the promotion date, I did not satisfy the second requirement above. I have confirmed with BBVA that I satisfied the first and third requirements.

I want to note that the language in the promotion did not clearly distinguish " applied '' versus " opened ''. I applied within the promotion eligibility period, but I did not expect the account to take a whole 12 days to be approved. If approval takes 12 days, based on that interpretation of the rules, in order make it in before the XX/XX/XXXXend date of the promotion, I'd really have to apply no later than XX/XX/XXXX ( 2 days after the promotion began ). Even so, what's to prevent BBVA from taking even longer to approve accounts, thus rendering the promotion meaningless. The " account opened '' eligibility was not clearly defined. I feel that this is a bait and switch and am deeply disappointed. I would not have applied and opened the account had I known their interpretation of the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXXXXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I would like all my information updated and remove for you database asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit last week because I was preparing to buy a house and I noticed someone has been using my credit to obtain accounts I do not know how they obtained my information. This activity began in XX/XX/XXXX and continued until XXXX of this year. I will be placing fraud and security alerts on all my credit bureaus. 

Accounts Exeter Finance LLC Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX XXXX   XXXX Acct number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX  XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Acct number : XXXX Date opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX Acct Number : XXXX Date opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX acct number : XXXX Date opened : XX/XX/XXXX Balance : {$.00} XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX   XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/ XXXX XXXX  XXXX XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX