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

Dear CFPB, I am writing to file a complaint against Bank of America regarding their refusal to release my funds. I have repeatedly contacted the bank since XX/XX/2024 to address and resolve fraudulent charges that were permanently credited to my account. Despite providing a police report, my fraud claims have been denied multiple times, and I have been instructed to wait for reconsideration. 

Additionally, my account has been in the process of closure since XX/XX/2024. It is now XX/XX/2024, and Bank of America will not release my available funds until the fraud reconsideration is complete. This prolonged delay is causing significant financial distress. 

I request to pick up my funds directly from the bank instead of waiting for a check to be mailed. I seek your assistance to expedite the release of my funds and to resolve this matter promptly. 

Thank you for your attention and assistance.
Product: Student loan

Tried to reach out stating I couldnt pay the loans off due to job charge and lower pay XXXX cant afford to pay off with XXXX kids and trying to provide a home for them.
Product: Credit reporting

XXXX XXXX 2016 I disputed most of the credit inquiries on my Equifax credit report. All inquiry 's were determined to be factual by Equifax ( No proof of how it was determined even though I requested the proof ). However they are not valid. In fact one of the reported companies ( XXXX has even started the automated process to remove hard inquiry due to fraud.. Equifax has been called and notified of this, but refuses to do anything about it without me purchasing a credit program for XXXX a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to the credit bureaus asking how did they come to the conclusion that I have 6 bankruptcies on my credit which is impossible being that Im only XXXX XXXX old. Also by law I know if the can provide me with the information that they have to remove the questioned items from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting

There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Experian. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
Product: Credit card or prepaid card

I have a credit card through Chase Bank. I have three different balances on the card each with their own interest rates. I made the minimum payment and then made two other payments hoping they would go towards the balance with the highest interest rate ( cash advance ). It did not. When I called i asked them about this and they said that is not how their system works. I was told that The Credit Card Accountability, Responsibility and Disclosure Act of 2009 would force credit card companies to apply excess payments that blling cycle to the balance with the highest interest rate first. Can you please help me with this issue or am I misunderstanding how the process works.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see FTC report attached to this complaint. XXXX and Experian are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are National Credit Syst {$2200.00} opened XX/XX/2020 for both XXXX and Experian and XXXX. XXXX and XXXX {$130.00} opened XX/XX/2020 for XXXX. XXXX has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.
Product: Credit reporting or other personal consumer reports

MY INFO MATION WAS EXPOSED THRU A DATA BREECH.THE COURTS WHER NOTIFIED NOTHING WAS NONE ABOUT MY BANKRUSTSY BEING PUBLIC RECORD.THE HARD HARD INQUIRES AMOUNT WHERE USED WITHOUT MY PERMISSION.LATE PAYMENTS WHERE EXPOSED ALSO COMMUINICATION HAVE NOT RECIEVED ANY INFORMATION OR REPLY.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Payday loan, title loan, or personal loan

Concord finance Inc XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX put a lien on the title of a XXXX XXXX XXXX VIN # XXXX back on XX/XX/XXXX. The statue of limitations I believe have expired. I am requesting a notorized lien release ( DOR-4809 ) to title number XXXX.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraud items distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

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

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : XXXX TransUnion XXXX To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Product: Credit card or prepaid card

I have held the account in question for many years. In XXXX of 2018, two questionable charges appeared on my account ( {$36.00}, and {$70.00} ). Beginning  immediately, I placed calls to the Bank. The first call never allowed me to speak to a person. Subsequent calls amounted to long, convoluted, insulting, non-productive conversations with Bank representatives ( during which, " a supervisor was not available '' ). I then initiated efforts to obtain documentation of the charges via letter - sending three such letters, on XX/XX/2018, XX/XX/2018, and XX/XX/2018. The only response I received amounted to form letters asking for " additional information '' and inviting me to call the Bank again. Documentation of the referenced charges was never provided. The Bank has added fees to each monthly statement. Furthermore, the Bank has submitted negative information relevant to my account to credit reporting bureaus.
Product: Mortgage

An investment property was purchased through XXXX XXXX XXXX   XXXX. In Closing, they provided a document titled " Private Mortgage Insurance Disclosure '' that declares that Automatic Termination of PMI will happen on XX/XX/XXXX ( so long as I was current, which I was ). 

At some point, the loan was sold to Ditech who has been servicing it for several years. Despite numerous calls to Ditech and Ditech even locating this original XXXX XXXX XXXX  document ( and then Ditech requesting me to send a copy to them ), Ditech has repeatedly stated that " since they consider it an investment property, they don't allow PMI to stop until the 50 % mark, which is scheduled to be XX/XX/XXXX. '' That's a changing of the terms under which I got the loan with XXXX XXXX XXXX XXXXXXXX. 

Since XX/XX/XXXX, Ditech has proceeded to illegally collect, keep, and hold {$1800.00} ( to date : XXXX XX/XX/XXXX ) of my money for the purpose of PMI, that was by loan origination with XXXX XXXX XXXX, supposed to automatically terminate. I'd like a refund of this overcollection. I've tried to work through the Ditech Escrow Department several times, and continue to simply get " we consider it investment property, and the PMI will thus be removed on XX/XX/XXXX ''. This is a CHANGE IN LOAN TERMS that I understand to be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies have stated theyve conducted an investigation to remove all improper or an accurate information from my credit report. They have not done this. The last investigations took way too long for them to address the issues that I pointed out that they still have yet to fix. For example, on XXXX XXXX I did not and do not know of any information research company that decided to pull a hard pull for my credit. And it is baffling to me how XXXX seemed to get the information correct yet XXXX and Experian still continue to do what they want to do. Additionally I have never lived on board the XXXX XXXX XXXX XXXX. I fail to understand how their investigation gets these results but the reporting companies for the XXXX bureau has correct information! I have never authorized them to report anything concerning me yet they still continue to place false information on my credit report as if they had a right to do so. They can get this fixed immediately or we can go to the FTC. I am tired of waiting for them to figure out their mistakes that have already been pointed out. I dont care what fake company they choose to use to gather information, they should do the job themselves, aka a proper investigation, to see where I live, what I have done, and where I work instead of reporting false and fake information about me such as the husband they had attached to my account when I wasnt even married! This is the absolutely last chance to get all information correct.
Product: Debt collection

They keep robocalling me from multiple numbers. Have responded to the first one to remove me from their list. I do not know what they are calling about or why, it is just constant robo calls. 

XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) They have called me from the following numbers -- all robotic. For times I have answered, they don't even have an option for removing me from their call list. Its just a continual message - sometimes asking me to call them, sometimes saying its a " final notice ''. I don't know what it is about, I really just want these calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any 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. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any 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. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I sent dispute letter for a company called fair collections and outsourcing for amount of XXXX. I asked for reinvestigation multiple times and it was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in my 8th dispute to Transunion. In this dispute I informed them of my address and told them to make sure that it is updated correctly. I also outlined the fact that I have contacted them 7 previous times by certified mail to remove inaccurate information and they failed to do so. I also made aware the fact that i keep good records and that i could show a judge proof of contact and that Transunion violated the Fair Credit Reporting Act by ignoring my request to update my address and remove all others and Investigate, Remove and Delete these unauthorized inquiries. A total of 19 items! Lastly I told them that if a proper investigation was not conducted that I will file a civil suit in my county for damages As in XXXX XXXX XXXX XXXX XXXX ( XXXX ), at which TransUnion may be liable for willful non-compliance. And also that failure to respond to my request within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00}. per violation for a total of {$19000.00} for 1. Defamation 2. Negligent Enable of Identity Fraud 3. Violations of the Fair Credit Reporting Act. 
So on XXXX I went to my local post office to send this dispute to Transunion by NEXT DAY MAIL with RETURN RECEIPT. However by the time I received the return receipt it was XXXX and the date that the card has stamped says XXXX. So the next day I returned to the post office to see when the dispute accurately arrived. To my surprise when they pulled the tracking number it shows that the dispute was received by XXXX XXXX on XXXX at XXXX XXXX. Why is there a 4 day lapse between the day it actually arrived and the day that Transunion said it arrived??? In either case it has been over 30 days from the XXXX and the XXXX since I've sent my dispute and Transunion has not responded to my dispute.
Product: Vehicle loan or lease

On my credit report, it shows my XXXX XXXX Account as a " Charge Off '' which significantly impacts credit report, and ability to get a new car. 

I have paid on time, everytime on this account. 

It even reflects that on the report, but the " Charge Off '' on the report results in automatic denial, and has put me in a difficult situation. 

Ally refuses to change this, through direct contact or credit report disputes. 

They have even transferred the debt to a shady collection company in XX/XX/XXXX and shut off access to my account on Ally.com, I've made the payments to this company and they're reflecting as paid but still the Charge Off remains.
Product: Mortgage

I had my mortgage with Rocket Mortgage Loan number XXXX which included my escrow account for property tax and insurance in the period of XX/XX/XXXX to XXXX first XXXX. 

I had the second portion of my property tax due XX/XX/XXXX and the loan company did not pay. I got letters for tax delinquency and I called the company several times and they said my tax was due just in XXXX. 

They sold my mortgage to XXXX without paying the second portion of my taxes and any of the banks took accountability for the mistake, ( even they had the money to pay on my escrow ) and on XX/XX/XXXX I had to pay it myself with penalty & interest because my apt was going to be sold for tax delinquency. 

I called both companies to get the fines I paid but they refused to pay me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Yamaha Motor Finance Corporation USA XXXX XXXX XXXX XXXX XXXX D/B/A XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be fined {$100000.00} ( XXXX XXXX XXXX XXXX Federal Law Gramm-Leach-Bliley Act for noncompliance. All party ( s ) mentioned above shall be fined and imprisoned for 5 years for XXXX XXXX XXXX Yamaha Motor Finance Corporation USA CEO aggravated identity theft against XXXX XXXX. 

I, XXXX XXXX, HEREBY cancel any consent of Yamaha Motor Finance of furnishing my nonpublic personal information as dated XX/XX/2022 and I am demanding all party ( s ) mentioned above to remove the account XXXX from my Consumer Report immediately and if all person ( s ) mentioned fails to comply for any reason will be prosecuted and fined for Identity Theft, and {$100000.00} ( Per violation ). I do not give any lawful consent to all persons mentioned above to furnish and transfer my nonpublic personal information y all party ( s ) be fined without further ado with prejudice!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

I receive daily phone calls from different phone numbers I Do Not Owe THESE PEOPLE PLEASE LEAVE ME ALONE They Have Harrassed And Tried To manipulate me into believing that I owe them for years and tarnished my credit I dont dont think its fair I am XXXX and I triggers me emotionally because i cant even block them because they call from so many different numbers please stop these people they are notorious at and manipulative and they use trickery and loopholes in laws to ruin my credit I have Never owed them Please investigate and delete from my credit
Product: Vehicle loan or lease

My monthly bill was charged to my account and I didn't have enough money so the payment never went through. Now they won't let me make a payment online or by mobile phone. Even though I had enough money in my account the next day. Most banks try charging again. But instead they now say I have to call manually XXXX more times and talk to a person to make my payments. Which is very inconvenient for me, and also charge me {$5.00} for a debit fee. Completely unnecessary.
Product: Debt collection

On XX/XX/2018 i called ERC to make collection payment i was told by the debt collector that after making the payment the collection would be removed from my credit report. 
The collection still shows in my credit. I dispute the collection with the credit bureau and they always tell me that i have to contact the collection company to have collection removed off my credit. I contact the collection company and they tell me that i have to contact the credit bureaus.