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

I noticed some hard inquiries on my credit report. I contacted the credit bureau fraud department today, on XX/XX/2022. I informed them that i have XXXX hard inquiries that were unauthorized. They did not help me at all.
Product: Checking or savings account

On XX/XX/2023, attempted to open a new small business checking account at the XXXX, VA branch located on XXXX XXXX XXXX. During the account opening process, I was met by the branch manager and a second customer services representative. After providing my EIN number and identification to open sole proprietorship account, the branch manager became defensive and abruptly left in order for the customer service representative to assist. The branch manager also indicated that I would receive the necessary disclosure and account opening documents on Wednesday, XX/XX/XXXX, which I would be required to sign and return via email. However, despite multiple inquiries, I have not received any correspondence from the branch manager or the representative. I am of belief and suspicion that this stonewalling is a result of XXXX discrimination.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called XXXX XXXX XXXX  and asked them to change my due date because every time I make a payment it never gets posted to my credit report correctly and it messes up my credit score. The representative told me it would take XXXX billing cycles for the change to take place. I made my XXXX payment on XX/XX/XXXX which was the current due date. I paid off the balance on XX/XX/XXXX. The statement closing date was XX/XX/XXXX. I had a XXXX balance on XX/XX/XXXX. Therefore, they should have reported my XXXX balance to the credit bureaus. However, they did the due date change early and the due date changed to XX/XX/XXXX and the statement closed on XX/XX/XXXX which was 9 days after the actual statement closing date. Now my credit report shows a {$300.00} balance which is incorrect. That is 40 days instead of 30 days.
Product: Credit card or prepaid card

I had charges I did not make from a place I have no idea who or what they are in the amounts of XXXX and XXXX. As soon as I noticed the charges I called and reported the charges as fraud. The charges were made on XX/XX/XXXX. I was sent a new card. The charges disappeared. Then I noticed several weeks later that the charges were back, so I reported them again as fraud. The charges again disappeared. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the the charges were authorized and that because I was in possession of the card at the time the charges were made that they were not fraud. That was the only reason given. Obviously, it is XXXX not XXXX and there are ways for your card to be compromised other than losing it. On XX/XX/XXXX, I again called to dispute the charges and was told that I must resubmit my claim and reopen the file, which I had them do. Now the charges are back on my credit card account and I am having to wait XXXX days for resolution on these charges that are clearly fraud.
Product: Checking or savings account

I am the victim of stealing {$190000.00}. 
Bank of America , N.A . ( BOA ) has created the document by name SCAM VICTIM ACKNOWLEDGMENT with false information. 
BOA made a statement they allegedly COMPLIED WITH MY INSTRUCTIONS TO CONDUCT THE TRANSACTION! 
It is not true. I never gave any authorization to transfer my money, never initiated any transactions. I do not know Recipient 's Bank : NY XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX 
That is why BOA did not even immediately change my debit card and did not close my existing account and did not open another one. 
That is why the Recovery Effort is their allegedly VOLUNTARY ACCOMMODATION and is NOT AN ADMISSION OF ANY LIABILITY BY BOA! 
I hope we can prove BOA executed the transaction without my authorization. 
I kindly ask you to help me return my money back. And recover my funds. 

Thank you.
Product: Checking or savings account

CERTIFICATE SAVINGS DEPOSIT ( CD ) FROM XXXX XXXX XXXX XXXX. I had a will from my Father, because XXXX English i keep the WILL in 25 yeas, and i have CERTIFICATE DEPOSIT ( CD ) FROM XXXX XXXX XXXX XXXX GUARANTED AS A MEMBER FDIC account number is : XXXX under my Father name is XXXX XXXX XXXX XXXX  XXXX XXXX... PLEASE, Help me how to find out the XXXX XXXX XXXX  XXXX XXXX THANK YOU SO MUCH
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX XXXX XXXX XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the Scammer is a client of theirs, owner ( s ) of wallets : XXXX XXXX, committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet a t XXXX in the total amount of XXXX XXXX and XXXX ETH utilizing their services. Several more wallet numbers who are registered with Binance are beneficiaries : XXXX " XXXX ' XXXX ' XXXX ' Total amount they own - XXXX XXXX. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurizing circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible once theyve got a hold of your funds. 
In providing its services financial institution as a registered and licensed Payment Service Provider, is required by law to exercise the care and skill of a diligent, prudent organization. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 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: Money transfer, virtual currency, or money service

Tried to link my pnc account to XXXX XXXX  and it won't link
Product: Mortgage

The original loan for a new home purchase was through XXXX XXXX  who then sold off the loan to XXXX. My wife was qualified on her own for the mortgage initially and then her job and income changed dramatically due to unforeseen circumstances. Once we had trouble meeting the mortgage we contacted XXXX to explain the situation and the change in income. They offered us a forbearance plan for 3 months which we met the conditions and paid the required amount on time for the 90 day period. XXXX then said they wanted to work on a '' Loan Modification '' for us which started in XX/XX/XXXX. When I went to make the monthly mortgage payment we were blocked from paying through the website as we had done in the past. When I called them to make the payment I was told by them that no payment can be accepted during the Loan modification process. I again tried to pay n XX/XX/XXXX and was told again they could not accept. We just got a notice from them that the Loan modification was denied for the reason we did not respond in time. We responded immediately and on time to every request we had from them and have records and copies of everything showing we did. They have allowed a large debt to grow for failure to accept the payments we attempted to make every month. They are all over the internet for fraud and deceptive business practices and feel they are trying to set us up to take our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is blocking me from obtaining my annual free credit report.I have tried many times to access, but I keep getting the message " Your report is not available online ''. Every time I call TransUnion to have this issue fix i can not speak with someone without my report number, a number I don't have because they won't let me access my report. i have a right to have my report, TransUnion should be held responsible for everyday they deny me that right.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX on XX/XX/XXXX. I had a trade in which was my XXXX financed with Wells Fargo. The Dealership signed a Title Transfer, Power of Attorney, Bill of Sale and etc for the XXXX. 

A couple months later while I am at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with zero reception in some places at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I got a notification that I am past due on payments for the XXXX. THE DEALERSHIP TOLD ME they were in charge of sending the full pay out amount to dealership to pay off the remaining of the load. Turns out that they either screwed me over or they lost the payment multiple times that was mailed to Wells Fargo. 

After multiple attempts to contact dealership and Wells Fargo about payment I kept getting the circled around. 3-4 months later payment is received from dealership to Wells Fargo . This is out of my control and I tried everything I can in my power. You are telling me that after an exceptional payment history on the XXXX loan from Wells Fargo, I all of a sudden decide to not pay for the loan and XXXX up my credit?! Note that I am traveling back and forth for XXXX XXXX  and trying to get this resolved. 

Filed multiple disputes and explaining how is this my fault? Everything out of my control, getting circled around from dealership to Wells Fargo. The dealership really screwed me over and I do not know what to do about it, but one thing is certain that I would not miss a payment to XXXX up my credit on purpose. 

Now here I am XXXX XXXXXXXX XXXX  since mid XXXX still trying to get this disputed and taken away from my credit report. Tried contacting Wells Fargo and my account does not show up in there system as it is CLOSED. I call and enter my social and I keep getting the account not on file and etc. I tried filing a dispute and get the same result of it remaining on my credit.
Product: Debt collection

At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a refinance with XXXX XXXXXXXX my current lender is XXXX I have been on the phone for numerous hours trying to fix this issue XXXX XXXX declined my refinance after approving it due Experians erroronus reporting the Auto loan was closed. I have reached out to XXXX and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on Experian this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as XXXX passing the blame on to experience I am very upset all these long hold times in Experians reporting has impacted my family and the issue needs to be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the inaccuracies in my credit file, specifically relating to the reporting of late-open accounts. Despite my previous attempts to address this issue, the late-open accounts continue to be inaccurately reflected on my credit report, impacting my credit score and financial well-being. 

The credit file currently includes late-open accounts that are not reflective of my credit history. These inaccuracies are damaging my credit score and affecting my ability to secure favorable terms on loans and credit applications. 

I have previously submitted dispute requests regarding the late-open accounts, providing supporting documentation to validate my claims. However, the corrections have not been made, and the inaccurate information persists. 

The presence of these inaccuracies has led to unfavorable credit terms and XXXX have negative consequences for my financial future. It is imperative that these late-open accounts be corrected promptly. 

I kindly request that you conduct a thorough review of my credit file and take immediate action to correct the inaccuracies related to the late-open accounts. I have attached copies of the supporting documentation for your reference. 

Additionally, I expect clear and timely communication throughout the resolution process, and a written confirmation of the corrections made to my credit file. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no alternative but to escalate this complaint to regulatory authorities and seek legal advice to protect my consumer rights. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is Bank of America charge showing up on my credit as open when it was completely done with & closed many years ago. On XXXX & XXXX it has already been removed some time ago. We already tried calling & emailing XXXX regarding this matter but it has still not been removed. What can & needs to be done to resolve this? Please take immediate action in this matter. 

Thank you
Product: Debt collection

I called Collections Professional to find out more information on and to pay an old medical. I asked for more information and asked about settlement payment plans. The reps tone instantly changed and she became combative. This increased with every question i asked. 
She said i had to hold for a supervisor. 
XXXX would not give me his last name. I stated i needed to verify to whom i was speaking. He responded " I don't play games with " you people ''. 
Im not sure what you people means but i feel like hes presuposing some kind of bias. 
Turns out XXXX owns the place or claims he does. When i called him again he wouldnt say the name of the buissness. I called another number for the XXXX IL office and again XXXX answered with a hello i stead of identiting his business. It all just seems very surreptitious.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with account # XXXX opened on XX/XX/2016 and a balance of {$2000.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this!

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices.

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
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 Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

cease reporting per XXXX XXXX letters attached
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with PayPal wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - the Scammer. 

The funds were transferred utilizing PayPals services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with PayPal.
Product: Debt collection

My car was involved in a hit and run on XX/XX/XXXX and it was totaled out by XXXX XXXX XXXX. I still made my monthly insurance payment for XXXX even though I no longer had the car. I received an email from XXXX stating " Please note that you no longer have insurance with us, effective XX/XX/XXXX '', 9 days after the accident. They ( through XXXX XXXX ), are reporting to the credit bureaus that I still owe the balance of the policy that they in fact cancelled. I disputed owing any balance to them. As a recent college graduate at that time it was impossible for me to make a payment for something that I did not need coverage for and that they themselves cancelled. I would like your assistance with having this trade line removed from all 3 credit bureaus. XXXX paid the value of the car off to American Credit Acceptance , LLC XX/XX/XXXX. The Gap insurance took a little longer to pay the difference. I over communicated with American Credit Acceptance making them aware of the loss of the car. They knew that I had gap coverage and they were working on completing the payment to them, yet, American Credit Acceptance , LLC reported to the bureaus that during the months of XXXX ( 30 days ), XXXX ( 60 days ) and XXXX ( 120 days ) that I was late with my payments. I no longer had the car which they knew all to well. Please assist me with getting these erroneous late payments deleted from this account. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT : The past due amount reported is incorrect, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account.

DEPT OF EDXXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, 2017
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX 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 States a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information realting to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

SLS account records previously submitted in a response to my CFPB complaints of Spring and Summer XXXX, shows 90 % of the direct mortgage payments I submitted to the agency went into unapplied funds. 

SLS has a history of treating me, a XXXX, single, XXXX nurse and veteran with contempt. Indeed, I have suffered from XXXX verbal abuse and a consistent pattern of structural racism making homeownership difficult for myself as a XXXX women.Yet the current intentional misapplication and theft of my {$850.00} partial mortgage payment from XXXX of XXXX, is another illustration of how this company persists in stealing from hardworking homeowners. 

Specialized Loan Servicing took my XXXX, XXXX partial mortgage payment and applied it to the principal without my knowledge, intention or permission. 

Attached is a document from SLS showing that a payment of {$850.00} was made to principal and interest, although {$790.00} of this was from a partial mortgage payment made in XX/XX/XXXX. Bank statement enclosed with transaction.