23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I do n't know if my case is not that unusual. But I would like to be clarified with this please.   I have defaulted mortgage payments for family reasons. The bank of America foreclosed my property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL  XXXX    XXXX   XXXX   XXXX   XXXX  . I sent a cheque ( number #  XXXX   ) to  pay for the arrears but they returned the check because they want me to do the reinstatement process instead. They sent me reinstatement calculation dated  XX/XX/2017    at  XXXX  an amount of {$12000.00} which I though was very large amount so I borrowed money from my wife and relatives to pay. On  XX/XX/2017    at  XXXX , the bank o f America s ent me again a reinstatement calculation which I believe is the correct one with the amount of {$9300.00}. I called the bank  of America and spent 4 hours being transferred to 4 departments. One su pervisor told me that they will reimburse or send me the difference of the  XXXX  reinstatement amount which is $ {$3300.00} in  7 b usiness days. After 12 days, I called again because I did not receive a check. This time I spent  5 hour s on the phone transferred to every department in the ban k of America. One supervisor l ady told me that there is no such thing as reimbursement. I want to get back the overpayment that I have made. Kindly educate me please.    XXXX , bank  of America mortgage costumer Loan Number  :  XXXX
Product: Money transfer, virtual currency, or money service

I had a balance of roughly {$2000.00} in my XXXX XXXX. The XXXX was suddenly closed several months back ; I have not been able to log into the XXXX XXXX for several months nor have I received any compensation for the balance that was there. I have attempted many times to contact XXXX customer service regarding the issue and they have not assisted me at all.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my other bank and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

It's incredibly distressing, and you can't imagine how bad it is. I'm an honest person working hard, but when I look at my credit report, all I see is false, incorrect, and inaccurate information under my name. As a consumer, I know I have rights and protections, but it feels like a lie. I want to uphold my rights under the law, even though these errors are already negatively impacting my life and credit. I need your help to fix this. I'm sick and tired of living paycheck to paycheck and having my credit applications denied because of these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a contract with the XXXX XXXX company without a contract and without placing social security. Cancel the contract because they used deceptive practices. I was reported to the three credit companies XXXX, XXXX and Experian for a balance of {$190.00}. How did this company get my social security number?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/2024 To whom it may concern, On day XX/XX/2024, I looked at my report. I sent a letter to EQUIFAX on day XX/XX/2024 asking them to reinvestigate these accounts : 01 ) ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX ) ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX I have not received a response from the Equifax, I looked XXXX my report XX/XX/2024 and noticed everything is still the same.. and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information I ( 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 shall-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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures re assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency n sha person knows or has reasonable cause to believe that the information is ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is accurate ; and ( the information is, in fact, inaccurate. XXXX really did not reinvestigation they lied on an official document saying they did And according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Product: Checking or savings account

In XX/XX/year>, I was laid off from my full-time job which I had been there for close to 4 years. It was a shock. I contacted the bank to arrange for help in handling my expenses- both car and credit card. They were able to help with my car and they said they would place a hold or freeze on the credit card. I did ask them about a program that if you got laid off there was insurance that would cover that and they said they didn't offer that. I continued to maintain communication with the bank ( SchoolsFirst Credit Union ) and in the middle of XXXX, I called about fraud on my account. They told me to go into the bank to get a new card. I did that and let them know that I got a job and would be setting up direct deposit for my new position. I set that up in XXXX and planned to have my check deposited in the bank for the school I started with. At no time did anyone mention that my checking account was at risk for being closed. 

On XX/XX/XXXX, I was heading to the bank to make a deposit and I learned that my checking account was closed and that I would need {$1900.00} to pay off my credit card to reopen it. I told them I had been laid off and the lady was very snarky with me saying that they didn't know that... I said I had been in communication with the bank and was surprised by this. Usually I get much better customer service. The lady told me that I could take my business elsewhere. Pretty rude and I will probably do that. On XX/XX/XXXX, I received a letter stating that my account was closed. The letter was dated XX/XX/XXXX and postmarked XX/XX/XXXX. Not timely at all. 

To fix this issue, I would like to my account reopened and I would like for a reasonable payment option for my credit card to be established. Thank you for your time.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2020 Citi CBNA were called in regards to confirming a Citibank Card from CBNA they submitted to collections but have no record of such account. it was stated that I only have one account. Cictibank don't understand why there are two accounts being reported. The account i have with citibank cbna is in good standings to include automatic payment on a monthly basis. why is there another card on my credit report in collections when I only have one card?
Product: Checking or savings account

I received an email from FNBO-Direct on XX/XX/ confirming they received my application for an account. I was given an application number. 
I had not opened or requested an account and thought it was a fraudulent email from a fake bank. I confirmed that FNBO-Direct is the First National Bank of Omaha-Direct and I that are an actual bank. I forwarded the email to their report phishing attempts believing I was sent a fake email from the bank. 

On XX/XX/XXXX XXXX I was sent an automated email thanking me for reporting the phishing. 

On XX/XX/, I received an email from FNBO-Direct stating that Our attempts to make a trial deposit into your XXXX XXXX XXXX XXXX Checking account using the information provided in the application process have failed. 
I did not apply for an account with FNBO-Direct, nor do I have an account at the XXXX XXXX XXXX and therefore did not fill out an application with this information. 
On XX/XX/, at XXXX XXXX  Eastern I called FNBO about this issue and spoke to someone who wanted me to give my social security number to access the account application, and I refused to give them my SS number and ask to speak to someone else. I then was transferred to someone from FNBO-Direct who could assist me by accessing the account information based off the application number that was in the email. I explained my situation and the emails I had received from their bank about a fraudulent account opened in my name. I live on the XXXX XXXX and would not open an account at the First National Bank of Omaha or have a XXXX XXXX account because I dont live in either of these places and have no need for this. She closed the account and told me to contact the FTC.gov to report the fraud and to contact credit check companies such as XXXX to see if additional accounts were created in my name. 
On XXXXXXXX XXXX- found an email saying my attempt to open an account was closed because information couldnt be confirmed. The email was sent at XXXXXXXX XXXX but I did not see the email until XXXXXXXX XXXX
Product: Debt collection

LVNV Funding LLC Opened XX/XX/XXXX XXXX Amount of {$1000.00} I have no idea why this is on my credit report. They have not responded.
Product: Credit reporting or other personal consumer reports

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name XXXX XXXX  Account XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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

In XX/XX/2023, I made a purchase of a macbook pro for {$2400.00}. I returned the laptop within a few days for a FULL refund, within the valid return window. I made the original purchase on an Apple Card account, and was told 100 % of the cost would be returned to that card. This is the only charge I had on the card and opened the account specifically for that purchase, and never used it again. Fast forward 3 months, and I get a notification that I've been delinquent on my credit payment and my credit score dropped XXXX points after never missing a payment in my entire life. I called apple to complain and they stated that I had a {$130.00} charge on the card. When I asked how that was possible, they insisted that I was paid " cashback '' and that I needed to pay it back. I did not receive any cashback, and that single transaction was the only transaction on the account so it wasn't possible that it credited me back for some other balance I had. They stated I had been paid out to my " Apple Wallet '' on my iPhone. I do not own an iPhone. They stated it must have gone to my iPad. I do not own an iPad. They stated I must have gotten it somewhere " or else it wouldn't say we paid you ''. I stated that the Macbook I had just purchased and returned was the only apple product I owned, and that there was no way I could have possibly redeemed, spent, or accessed this cashback. I paid off the full balance anyway, just to stop the bleeding in my credit score, so I now have actually OVER paid and am owed that money back as it was never money I should have owed to begin with. Every time I call Apple or Goldman Sachs ( the card issuer ), I wait on hold for hours, repeat the entire story, and am told that they will have a supervisor call me back within a few days. I never receive a call from a supervisor or anyone. I have done this 5 times now. I also filed disputes with credit agencies like XXXX and XXXX, and they " investigate '' it before coming back and telling me " Apple said you owed the money and we see it on the account so the credit impact is valid ''. Now when I try to log in to access my Apple card account to access documentation, I'm told my account has been locked. My credit score dropped XXXX points from this and still has not recovered despite never missing any payments before. This took me from XXXX to below XXXX and I am only back up to XXXX. This is impacting my ability to look at loan rates for a car or mortgage.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed from the results of my last complaint- and I want you to know once again that these discrepancies in my report have become detrimental on my XXXX health because of how badly they are affecting my scores.
Product: Credit reporting or other personal consumer reports

XXXX cites the date last paid is XX/XX/2020 when my last date of payment is XXXX they are re-aging debt- they and Experian and thats illegal XXXX Per 15 U.S. Code 1681s ( a ) 1 ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Experian is wrong and is infringing on my rights. This IS NEW AND RELEVANT! I deserve a fair investigation.
Product: Credit card or prepaid card

On XX/XX/2020, synchrony banks closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with synchrony were in good standing and never late paid. Care credit limit XXXX with Balance of XXXX, carcare one limit of XXXX with balance of XXXX, value city limit XXXX with balance of XXXX, PayPal limit XXXX with balance of XXXX, Amazon limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN COVID-19 MY MORTAGE SIGN ME UP WITH A LOAN REPAYMENT PLAN NOW THEY REPORTTING ME TO ALL 3 CREDIT OFFICE THIS HURT MY REPORT. THEY SAID I MISS XXXX XXXX XXXX. THANK YOU VERY MUCH
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 # XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXs # XXXX, XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States liave 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, credit repair services, or other personal consumer reports

To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX, and the other on XX/XX/XXXX. I am disputing four derogatory remarks on my credit report that are inaccurate, fraudulent, invalidated, unverifiable and accounts that were open and compromised due to Identity Theft. I was a victim of Identity Theft in XXXX and XXXX. I sent XXXX  and Equifax a validation of debt letter, police report and I also requested how did they verify any debt belongs to me. Not only did they fail to provide to me how they validated the debt. They also failed to provide me how they verified the debt. It's been over 45 days with no results. I reached out directly to all of the CREDITORS involved in the dispute regarding these accounts and they have all failed to validate or verify any debt as accurate and failed to provide me with proof of my signature. Please explain to me how can you validate any debt when the creditor has failed to validate any debt? Not only did XXXX  and Equifax and the Creditors break many laws, they are reporting inaccurate information and not living up to its rightful duty to report accurate information and serve the consumer justly. Please DELETE and remove these accounts from my credit report immediately. This is frustrating and you are giving me a hard time and breaking laws and subject to Civil liability. Im acting in good faith once again. Ive attached all the supporting documents : FTC Report, Police Report, Receipts of letters, Receipts of letters delivered successfully. See below accounts in dispute XXXX XXXX Account Number : XXXX This account is inaccurate. The Debt does not belong to me. I do not validate this debt. Update the report to positive/current or delete from my credit report. 

XXXX XXXX Account Number : XXXX I do not validate this debt. This account does not belong to me, delete this account. 

XXXX XXXX Account Number : XXXX This account is inaccurate, unverifiable, missing information, incorrect balance and compromised due to identity theft. I do not validate this debt. Remove from my credit report. 

XXXX Account Number : XXXX This account is inaccurate and a fraudulent account. This account does not belong to me. I do not validate this debt. Please delete from my credit report.
Product: Credit reporting or other personal consumer reports

There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted XXXX XXXX. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting XXXX and Equifax in regards to fixing the technical issues in my online accounts and they have failed to fix my issues. 

At the moment I am not able to see my free report, manage alers & freeze my report!!! I have called multiple times and have received responses that are a complete lie! 
Multiple representative have told me that it would be fixed in 24-48 hrs, some have told me that they would have an agent call me to fix my issues but so far NONE OF IT HAS BEEN THE TRUTH. I am unable to manage my freeze, see scores and manage my alerts!! I have XXXX control of my report which is affecting me and violating my consumer rights! Fix this issue ASAP