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

I deposited a check written to me by my fianc four months ago. The funds left his account in my account was locked. I have not been able to receive these fun summing up to {$6000.00}. when I go in the branch, they say theres nothing they can do and to call XXXX. When I call, they tell me I need to go to a branch and its just a never ending cycle of people telling me theres nothing they can do. My money has been locked for XXXX months. All my credit cards are maxed out and this is my rightful money. Regions refuses to give me more information or even submit a ticket request and tells me to wait with no details of what I am waiting for.
Product: Credit reporting or other personal consumer reports

There are items that need to be removed from my consumer report and I have not heard anything within the allotted 30 days about. I want all of these items removed immediately. 

I demand that the following account be verified or removed immediately : XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Inquiries : XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts XXXX XXXX XXXX Account Number : XXXX Inquiries XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX XXXX, AK XXXX EMPLOYER : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. XXXX, Equifax and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Product: Mortgage

On the Consumer Financial Protection Bureau web site, at : https : //www.consumerfinance.gov/about-us/blog/guide-coronavirus-mortgage-relief-options/, it clear states : " If your mortgage is a federally backed mortgage, you have two mortgage relief options under the CARES Act : '' and 1 ) " ... if you experience financial hardship due to the coronavirus pandemic, you have a RIGHT TO REQUEST A FORBEARANCE FOR UP TO 180 DAYS. '' CHASE BANK is the service provider for my XXXX XXXX XXXX, and THEY ARE NOT FOLLOWING the guidelines as stated by CARES Act or the CFPB site info above. 

1 ) Chase is NOT giving a 180-day forbearance, but only a 90-day forbearance. Please see this link : https : //www.chase.com/digital/resources/coronavirus/mortgage Click to expand the section, 'My income is impacted by COVID-19. What can I do to get help with my mortgage payment? ' There it clearly states, 'Sign in here to request this 3-MONTH protection. ' ( NOT 180 days ) There is ZERO information about how long a forbearance request approval will take, how the missed payments must be repaid, and the Chase home page advises customers not to call as they have limited hours now and too many calls. The lack of information is unfair to borrowers. 

There should be ONE SET OF GUIDELINES for COVID-19-related forbearance, for ALL SERVICERS, instead of asking millions of borrowers to find answers through banks that failed during the Great Recession and are failing now, to respond timely, to comply with the law ( asking for info that is NOT required for COVID19 forbearance ), and unable to answer the phone. 

This process is being made complicated by Chase, and needs to be addressed by XXXX XXXX, HUD, CFPB, and FHFA to avoid millions of persons having their credit adversely effected and unable to resume good standing. I DESERVE TO KNOW HOW I WILL BE EXPECTED TO REPAY THIS. Placing payments at the end of the loan, automatically, which reduce the stress and diress MILLIONS like myself are facing.
Product: Debt collection

I received a letter to collect debt from a company called Transworld Systems IncXXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that belongs to account number XXXX at the amount of {$92.00}. I confirmed and paid the amount using XXXX XXXX XXXX 

Issue # XXXX : I never received a letter that I owe that amount to XXXX XXXX XXXX, not once or twice. I checked XXXX XXXXXXXX XXXX web site and I still show no amount is owed before payment. 
Issue # XXXX : Even I checked and received the letter from mailbox on XX/XX/year>, the letter mentions that I have XX/XX/year> to dispute the debt. I checked and confirmed yesterday ( XX/XX/year> for my wife 's medicine ) and there was no such letter in my mailbox and I subscribed to USPS Informed delivery and I didn't notice that mail on earlier days. 

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

I found derogatory comments and collections on my credit report. I wrote to portfolio recovery assc. and the three credit bureaus expaining that the collections we're not mine. portfolio recovery reported on my credit report that I owed them {$2400.00} for a credit card account open on XX/XX/XXXX and a credit card account open XX/XX/XXXX for {$990.00}. and a credit card open XX/XX/XXXX for {$600.00}. I told them that I never open any account with them and to please remove this from my credit report. that was the first letter I sent out on XX/XX/XXXX. I got bills from portfolio recovery but it wasn't in the right spelling of my name. Second letter I sent on XX/XX/XXXX I challenged the validity of these accounts therefore, verify accounts. I was sent a fraudulent letter from portfolio recovery that they said XXXX XXXXXXXX XXXX sent them. I took the letter to XXXX XXXXXXXX XXXX and they told me it was a fake letter made up by portfolio recovery. 1. XXXX XXXX logo is much bigger. 2 the date was in XXXX and the letter was in English. 3 my name is spelled wrong. still I was not giving any verified documents The Fair Credit Report Act protects against false and erroneous reporting. Today XXXX  and XXXX still have this on my credit report only XXXX removed portfolio from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting inaccurate information on my credit profiles to the credit bureaus. If you view the attached image, you can see that the date opened, highest credit limit, date last reported, date of last payment, and date last active are showing something different on each bureau. This is a direct violation of the Fair Credit Reporting Act and according to the FCRA this account must be removed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the recent incorrect charges and late payments that have been reported on my JPMCB account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the JPMCB account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to XXXX and JPMCB, along with a copy of the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Credit reporting, credit repair services, or other personal consumer reports

I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed XXXX bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted
Product: Checking or savings account

In approximately XXXX, I opened a checking/debit account with Simple Bank XXXX I mostly used this account for easier ATM logistics, and would transfer money into it as needed, as a cash account. A few years ago, Simple was consolidated into BBVA. This resulted in no material change to the account. Last year, BBVA was consolidated into PNC. I have since opened a savings account with PNC, so now I have the cash account and the savings account. 

In XXXX of this year ( XX/XX/XXXX ), PNC started charging me a $ 7 monthly service charge, that I never agreed to. I received no correspondence that this service charge would begin. I noticed it when my cash account balance was {$0.00}. I have since deposited money into the account. The total amount of erroneous and unagreed upon service charges is {$32.00}.
Product: Credit reporting or other personal consumer reports

There is a public record listed on my report as XXXX that does not belong to me. Ive submitted numerous documents to XXXX and Transunion to prove the record is not mine. The record being listed continues to violate my consumer right to accurate reporting. In addition, I contacted Transunion on XX/XX/2024 and spoke with a representative who advised me that she deleted the record. I called back on XX/XX/2024 to confirm its deletion and was advised that the individual did not in fact delete it. I have a case # XXXX for a complaint regarding this issue in which a recording of our conversation is supposed to be reviewed. XXXX XXXX of the special handling department advised I would receive a call back about this. I have not received a call back. This record needs to be deleted. Ive also attached a police report when it was originally filed regarding this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX and Experian by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..
Product: Credit reporting, credit repair services, or other personal consumer reports

Was on my email and got an alert about a hard inquiry just done at XXXX on XXXX  and XXXX  blocked the report. This is a copy and paste of igt .... 


Installment Loan or New Bank Account Inquiry SYNCB/CC got a copy of your XXXX  Credit Report. 

Financial Today What happened? 
SYNCB/CC recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 

Source : XXXX  Company : SYNCB/CC Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX I have no new bank accounts, loans, bill me laters or paypals.
Product: Mortgage

In early to mid XXXX, I was concerned I could someone was attempting to steal my identity ( long story short I had entered the wrong address in my SoFi profile and it was reported to credit agency ) so I contacted the security branch of sofi. They subsequently locked my account and login ability and will not give me any other information. I have since been unable to view my mortgage account and have spent hours on the phone trying to resolve this. My account has been frozen and no-one will try to resolve it. They literally tell me there is an investigation pending but will not tell me how long it will take to resolve or how it will be resolved despite telling them over and over it was due to an error on my part.
Product: Checking or savings account

53 bank closed my account while {$100.00} Fraud and {$10.00}. OVERDRAFT fees was pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I tried to contact the company for a deferment on my auto loan. They refused and I it offered 1 week extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Capital One credit on XXXX XXXX. Capital One hard pulled my XXXX credit report on the XXXX and they hard pulled XXXX again on the XXXX. They denied my application on the XXXX saying the reason is there are too many inquiries on the XXXX credit report. This is ridiculous! First of all, Capital One does not need to pull my XXXX report twice in two days. Secondly, after they hard pulled my credit report twice in two days then denying my application based on that makes no sense.
Product: Credit card or prepaid card

This dispute of unauthorized charges involves a debit card in my name, which is used by my real estate company, XXXX XXXX ( " XXXX XXXX XXXX '' ), to issue incentive payments to me resulting from commissions from real estate transactions. Essentially, as commissions are earned at random times, the card is then loaded with various remittance amounts. This card is administered by Bank of America. 

On the morning of XX/XX/XXXX, resulting from my XXXX XXXX XXXX   advising me that I should have received a commission credit to the card, I called into the Bank of America automated customer service line to verify receipt. It was at that time that I first learned that there were a series of debited transactions that I had not made. I immediately telephoned Bank of America and advised them of the unknown and unauthorized charges and they advised they would cut of the card, re-issue and new one and place a formal dispute claim. Further, they advised that all five of the disputed charges were actual swipes of the card, although I physically had it still on my person and the card was never lost nor has ever been lent to anyone else. 

Subsequently, on XX/XX/XXXX I received a letter ( attached ) from  them only stating that the transactions were authorized, but no detail as to how they came to that conclusion. I immediately called them and tried in vain to get an answer as to how they found the charges authorized considering that besides the charges for some items in which I have no use for ( i.e., I have been on a XXXX diet for the pass 3 months and would never go near a XXXX XXXX ) for at least 2 of  the 3 days in which the card was supposedly physically swiped in another boro, XXXX, NY, I was actually miles away at work located in another boro, XXXX, NY ( on-site clock-in/out ledger attached ). 

I of course asked if someone else, a supervisor can explain to me the seeming non-investigation and unfair conclusion that I authorized these charges and I was told no one was available but a supervisor will be calling me back. It has now been over two weeks and I have not heard from Bank of America.