23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America was the lender for the first mortgage and HELOC. The account numbers are as follows : 1st mortgage # XXXX XXXX XXXX HELOC account # XXXX XXXX XXXX I discovered an error in the amount of {$81000.00} which was not credited to my HELOC account # XXXX, as previously agreed upon. 
I sent two notice of error letters to the bank in XXXX and XX/XX/2019. The bank did not respond or investigate the matter. Eventually, the bank sent a letter and declined to do anything. Please read the attached letter for specifics.
Product: Credit card or prepaid card

In the past 2 weeks, I have received 1 Debit card and 4 Prepaid Debit cards from XXXX, and their affiliate Netspend. None of these was requested. I called XXXX XX/XX/22 and they indicated that an account was open and I instructed them to close it. 2 weeks later ( XX/XX/XXXX ), I received a prepaid card from Netspend. I called immediately ( XXXX ) XXXX and talked to XXXX. She indicated that this was a marketing ploy based on a prior prepaid card that I had bought from XXXX XXXX. I told her I never bought a prepaid XXXX card from there and I did not want the account or any other accounts opened under my name and instructed that the account should also be closed. She did tell me that the prepaid card purchased from XXXX XXXX was active, but that the name in no way matched my name. On Tuesday, XX/XX/XXXX, I received 3 additional prepaid cards from Netspend, prompting me to open this complaint. I do not understand how a Financial institution can or would open accounts without my requesting them or why on this green earth they would send 4 cards within a week. Clearly their issuing process is dramatically flawed and their systems ( XXXX/Netspend ) are inadequately designed to prevent fraud. I thought that banks required XXXX information and that their systems would not allow this kind of crazy issuing of cards ( 5 cards in 2 weeks ). I have taken steps to insure that my credit is protected ( fraud alerts, FTC complaint, etc ), but my suspicion is because these are prepaid accounts they fall outside of this. This should be illegal. I am including one file but all 4 letters from Netspend were nearly identical and all included valid debit cards that needed to be funded. I did not fund. The cards were sent to XXXX XXXX ( not my preferred XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 
XXXX XXXX my credit was ran without my knowledge or consent by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my credit was ran without my knowledge or consent by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Debt collection

I continue to receive telephone calls from a debt collector threatening civil action. I have had my personal telephone number over 45 years. I do not owe anyone an money. I have asked this company to stop calling me and asking for a XXXX XXXX. This person does not live at my residence nor do I know of her. I called back at XXXX and requested information and told them to stop harassing me. The company is Online Services from XXXX N.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised while I was XXXX and now I see accounts on my credit report inwhich I have no knowledge of and would like these accounts removed from my report immediately. These following accounts do not belong to me, ( 1 ) XXXX XXXX {$530.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX  XXXX {$290.00}, ( 4 ) XXXXt XXXX XXXX {$250.00}
Product: Checking or savings account

On the XX/XX/2024 a sum of {$180.00} Was charged from my account at XXXX. 
I reported it to my company TD Bank and they refund me because my account was compromised. I went to the bank and they took my existing TD Bank card and said they would send me a replacement by mail. I never received my replacement card. 
Then onXX/XX/2024I noticed {$960.00} was waithdrawn from my account. I did not withdraw this money as I never received the card In the mail. 
I reported it to TD Bank and they refused to refund me back my money. They stated that the money was withdrawn at an ATM machine By me. I never received the replacement card. I should not be responsible for this
Product: Money transfer, virtual currency, or money service

I was offered an item online and I agreed. The man said he would send the item if I gave him the amount. I sent {$550.00} dollars to multiple accounts of his. The dates include from XXXX XXXX throughout XXXX XXXX. I never received the item and got scammed from {$550.00}. The multiple XXXX XXXX I sent money to are, {$100.00} to XXXX, {$150.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, {$100.00} to XXXX, {$100.00} to XXXX, {$50.00} to XXXX, {$50.00} to XXXX, and {$50.00} to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect name
incorrect addresses
FRAUD NOT ME NOT MINE PLEASE REMOVE
Credit bureau reporting 
XXXX XXXX  POTENTIALLY NEGATIVE
Balance
Balance updated XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX  Balance updated
XX/XX/2024
XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
Balance
Balance updated XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
LATE PAYMENT
Balance
Balance updated
XXXX XXXX  Balance updated
Collections
XXXX XXXX XXXX
Original creditor XXXX XXXX XXXX XXXX.
Balance
$XXXX  Balance updated
XX/XX/2024 XXXX XXXX XXXX
Original creditor XXXX XXXX
Balance
$XXXX
Balance updated
XX/XX/2024
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX and AMEX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Reporting of UCC-1 Financing Statement Follow-up to CFPB Complaint Dear XXXX Representative, I am writing in response to your recent communication regarding my dispute, where it was noted that the UCC-1 Financing Statement I submitted is not currently reporting on my XXXX credit file. 

To clarify, this UCC-1 Financing Statement is a public record filed with the California Secretary of State under filing number XXXX, and as such, it should be accurately reported on my credit file. This is not related to a trade line or any traditional credit account, but a public filing that reflects a lien on collateral under the Uniform Commercial Code. Public records such as UCC filings are essential components of a complete credit report and should be included to provide an accurate financial profile.

I have attached the following documents again for your reference and action : 1. Initial UCC-1 Financing Statement filed on XX/XX/XXXX. 


2. Restated collateral filings on XX/XX/XXXX and XX/XX/XXXX. 


XXXX. Termination and additional collateral filings from XX/XX/XXXX. 



This information must be accurately reported as part of my credit history, and I respectfully request that you correct the omission and update my credit file immediately to reflect this public record. 

Please confirm once this action has been completed or provide a detailed explanation of any further steps required. Additionally, I request a copy of the revised credit report once the update has been made. 

I trust that XXXX will ensure the complete and accurate reporting of my public records, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : XXXX Financing Statement ( Initial Filing and Amendments ) -- -
Product: Checking or savings account

I deposit some checks into my bank account on XX/XX/XXXX I have a bank with regions account they put a hold on my account and told me they will hold the checks until XX/XX/XXXX and XX/XX/XXXX the checks has been released and they still havent taken the hold off my account or release my funds Im about to get put out the person who checks those was my girlfriend and her bank also called and confirm them checks was real and has been cleared for her account she bank with XXXX XXXX XXXX XXXX I have reached out them so many times cant get this issue fixed I also went inside a branch multiple times I still didnt get it fixed I just want my money
Product: Checking or savings account

I received a book of checks in my name from TD Bank and when I called customer service using the account number listed on the checks, the account had over {$4000.00}. We called the XXXX Police department and they documented everything and opened a case but I was told to opened a fraud case with TD Bank. I called the bank and someone took all the information but never gave me a case number and never called me back. I went to the bank in person to find out who opened the account and was told that they could not disclosed that information. They just closed the account two months later. 
I want to know why the victim dont have the right to know who opened a fraudulent account with TD Bank XXXX I wrote to the TD Bank Escalated Senior Department who referred me to the Chairman Services who never answer my email, then I called and left several messages and finally today I received a call from that department and was told that I can't get any information and that is normal as he ( XXXX XXXX. ) has been able to open accounts without any id. This made me question myself if this is a case similar to the one that XXXX XXXX had were employees were opening fraudulent accounts in order to keep their jobs because they had a quota to meet. I found information in the FCRA page that states that " I received a book of checks in my name from TD Bank and when I called customer service using the account number listed on the checks, the account had over {$4000.00}. We called the XXXX Police department and they documented everything and opened a case but I was told to opened a fraud case with TD Bank. I called the bank and someone took all the information but never gave me a case number and never called me back. I went to the bank in person to find out who opened the account and was told that they could not disclosed that information. They just closed the account two months later. I want to know why the victim dont have the right to know who opened a fraudulent account with TD Bank when the Fair Reporting Act states that by law they must provide copies of records without a subpoena.
Product: Debt collection

XX/XX/2022 I sent Chrysler Capital a Debt Validation letter ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ) and demanded to cease and desist all collection activity until the debt was validated. The notice gave them 30 days to validate the debt. 

Chrysler Capital failed to respond and validate the debt. 

I sent a 2nd letter on XX/XX/2022 to notice them of the fault with the opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). 

Again, Chrysler Capital failed to respond and validate the debt. 

I sent a 3rd letter on XX/XX/2022 to notice them of the fault with opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). I demanded they stop calling my phone and only communicate with me in writing. I stated their constant daily phone calls are now considered harassment. 

Chrysler Capital finally responds on XX/XX/2022 ( 5 months after my initial debt validation letter ) with an attempt to validate the debt. They stated in their letter the following : we have placed all available phone numbers on the account as a Do Not Call, per your request, we will no longer contact you via phone. ( Copy of this letter attached herein as Exhibit B ) The focus of this complaint is : as of today, XX/XX/2022, Chrysler Capital has repeatedly violated me with phone call harassment virtually every day since XX/XX/2022. ( Screenshots of calls from Chrysler Capital attached herein. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Balance : {$6900.00}.
Product: Credit card

I have had a Banana Republic store card issued by Barclays for several years. Recently, I have been receiving multiple emails offering an " upgrade '' of the card to a XXXX. I have also received calls from Barclays offering this " upgrade. '' On every occasion I have declined that offer. On or about XXXX XXXX, 2024 I received an email informing me of the automatic " upgrade '' unless I want to opt-out. In that case, I was instructed to fill out an online form which I did. In fact, it was a very tedious form which I found unnecessary and frankly unacceptable. 

On XX/XX/scrub> 2024 I received a congratulations email saying that my " upgraded '' XXXX is on its way and should be received by XX/XX/year>2024. 

I immediately called Barclays customer service and was told that they are unable to convert the card back to the store credit card and my only option is to close this account and open a new one. 

This of course will have a double negative effect on my credit report : ( a ) the closure of an account ( one I never requested ), and ( b ) a new credit inquiry if I want to get back to having a store credit card. 

I spoke to a supervisor and he said he " agrees. '' But there was nothing further he could do. I find this disturbing and I am certain it violates federal law. if a customer explicitly says he does not want an " upgrade '' this must be honored. 

Further, Barclays is desperately trying to push their XXXX  by creating an " opt-out '' system. In fact, it should be an " opt-in '' where if a customer is interested, it should be the customer that takes affirmative action to request this " update. '' The reverse is very problematic and has a lot of similarities with the XXXX XXXX actions taken a few years ago which led to billions of dollars in fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes
Product: Mortgage

BSI Financial erroneously reduced and then raised my monthly escrow payment. They are currently charging me {$400.00} per month more than I should be paying. The company provides no clear way to resolve this, and their telephone customer service just gives me the run around with no actual actions taken to fix my issue. 

On XX/XX/XXXX, BSI sent a letter saying I had an escrow surplus. They gave me a refund check for {$2100.00}, and reduced my monthly escrow payment by {$400.00}, making my monthly payment {$1300.00} from XXXX through XX/XX/XXXX ( five monthly payments ). 

I believe this was incorrect, and my escrow payments did not need to change ; they were already charging me the correct amount to pay my insurance and semi-annual taxes. My monthly payment should have remained {$1700.00}. 

Then they did another escrow analysis on XX/XX/XXXX and adjusted my escrow amount in the other direction, increasing my monthly escrow to {$870.00} starting XX/XX/XXXX. This changed my monthly payment to {$2100.00}, or {$400.00} more than it should have been. 

Since XX/XX/XXXX they have been charging me this higher amount, XXXX XXXX monthly instead of {$1700.00}. 

The company should have never given me an escrow refund ; I believe that was a mistake. I want BSI Financial to reset my monthly payment back to the original, correct amount of {$1700.00}. I believe at this point I have a slight escrow shortage compared to what it would have been if they never changed my escrow payments. But I have no confidence BSI will return my monthly payment to the correct amount automatically after I make enough monthly payments to replenish my escrow account due to their mistakes. So I would like to pay the remaining escrow shortage in a lump sum now. 

I sent the information above to BSI via their support form in my online account on XX/XX/XXXX. A support representative called me on XX/XX/XXXX. She said she could not view the message I submitted, she only had a note that said customer has a question about escrow amount. This is unacceptable! What happened to the details I sent them? I believe they are either lying, or criminally incompetent. I told the support rep ( XXXX ) I wanted to speak to someone who had read my message. She eventually put me through to her supervisors ( XXXX ) voicemail ; I left a message and asked her to read my support form message and then call me back. 

On XX/XX/XXXX, someone named XXXX from BSI Financial called me. I asked if she had read the message I submitted in their web form on XX/XX/XXXX. She said no, she didnt have access to my message, she only had a note that I called about an escrow question. I told her I wasnt interested in speaking to her unless she read my complaint first, since I have spoken to BSI customer service and fully explained this situation several times since this ordeal started, and none of those conversations have resulted in anything close to a solution. While I was explaining this, XXXX hung up on me mid-sentence. Very unprofessional, childish, and I believe that should be a cause for reprimand and dismissal.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 719tXXXX 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 us 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 severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company XXXX XXXX run a hard inquiry check on credit report agency Equifax. 
I did NOT authorize this inquiry. 

I called XXXX fraud department and Equifax. 

I placed a dispute on Equifax credit report, and fraud alert on line, then called the customer service to talk to someone for some questions and resolution. 
The person that I spoke to, an employee of Equifax, told me that there was nothing they could do to remove that hard inquiry from my account, that it would be there for 2 years. 
I said, how can you keep it there if that is a FRAUDULENT inquiry? 
They replied I had to contact XXXX XXXX, which I did right prior to contacting them. 

XXXX fraud department DENIED that they used my social security to run a hard credit check, and the fraud department lady I spoke to said that anyone can run a credit check without social security. I told her she was mistaken, because to my knowledge they must have a social security to run a credit report, and the credit report agency confirmed this, they can not do it without it. She replied these words '' you do not know what are you talking about '' and hang up on me. 

Both XXXX and Equifax have given me the run around, even after I disputed the information and even put a fraud alert on my Equifax account. 

That hard inquiry has to be removed ASAP, and not after 2 years like Equifax customer service agent said, because it lowers my credit score for no reason, since it was a fraudulent inquiry. 

Please help me to resolve this issue. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I requested financing for a product that took months to be delivered and the machine was not working and incomplete, They promised accessories that I never received. I contacted affirm several times and they did not want to refund me.
Product: Credit card

Macy 's - Repetitive phone harassment from various phone numbers. To include : XXXX ; XXXX ; XXXX. They call several times a day interrupting me at work. I know who they are and what they want. Calling 5-10 times a day does not change my reply ...