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

I opened a bank account at Bank of America in XXXX and 2 legal orders withdrew all my balance, no information was obtained since XX/XX/XXXX. 

Legal order on XXXX XXXX XXXX took all the balance of XXXX USD Legal order on XXXX XXXX XXXX took all the balance of XXXX USD First contacts with Bank of America by calling XXXX, they gave me an email address related that is XXXX and I emailed twice on XXXX and twice on XXXX but never receive a response. 
Second contacts with Bank of America by calling XXXX, they explained there was a court order against me so the money was gone but they refused to send me a copy of such court order. 
Recent contacts with Bank of America, a specialist claimed that I should go to California Tax Centre. Again no information was found related to these two legal orders and they said I am not supposed to pay tax since I am non resident alien who don't live in U.S. and no income inside U.S. ever. 

I am tired of this kind of invalid process and the failed explanation of Bank of America, so I want to complain.
Product: Bank account or service

I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do.
Product: Mortgage

Our mortgage forbearance ended with Mr Cooper who services a XXXX XXXX mortgage on XX/XX/2021. 
I have tried numbers times to talk to someone there. No one had helped me. I would like to put the balance due at back of mortgage and resume my payments. 
I believe it is a payment deferral. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mr Cooper # XXXX
Product: Debt collection

My son went to XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX. The ER clerk coded as MV accident, insurance denied it. He fell and had to get stitches in his lip. Not a MV accident. Then they resubmitted through to the correct insurance XXXX  primary XXXX health secondary. I got a bill XX/XX/XXXX which I then called was told they did not have XXXX  information they would resubmit. XX/XX/XXXX XXXX paid the whole claim except for the XXXX which was deductible. I was told they would re submit for XXXX XXXX to cover the XXXX Fast forward to XX/XX/XXXX I get a collection on my account for XXXX for transfinancial in XXXX XXXX Louisiana XXXX. 
No new bill nothing asking to for the money for me to call them since XX/XX/XXXX. I really though it had been taking care of. 
When I call transfinancial employees are so rude and not helpful at all. I have begged them to put me on 3 way with XXXX XXXX XXXX XXXX physicians groups office that does lanes regionals billing. I call XXXX XXXX XXXX XXXX XXXX they dont show me owing that much they show the BCBS adjustments they dont show me owing XXXX they are waiting on XXXX XXXX which I have spoken to and they still havent got the claim yet for the XXXX They have all the notes Im stating. I dont know what to do. If I owe the XXXX fine Ill pay it. But XXXX has sent me explanation of benefits they have done there portion This one account dropped my score XXXX points I have been working on building and correcting. 
Please help. 
Just so frustrated this shouldnt have even went to collections and now Im feel like Im stuck no one wants to help but companies keeps saying its the other one. 

Please please help frustrated mom.
Product: Checking or savings account

I was a victim of wire fraud on XXXX. The person transferred {$3000.00} from my savings account to my checking account to cover the wire fraud. I have been asking Citi Bank to return this to my savings account & they keep advising they are checking into it. When I spoke to the wire fraud agent, they confirmed they saw the {$3000.00} transfer between accounts & advised the funds would be replaced. It is now XXXX & nothing has happened. I keep receiving letters saying they are looking into it. I've been a Citibank customer for 30 years & they are treating me like I'm committing fraud. Their fraud customer service is horrible, they barely speak XXXX & it's very hard to hear them. They transfer you from one person to another & none of them are helpful.

At this point, I'm going to close my account with Citibank & move to another banking establishment, because Citibank is not a secure bank.

I just want my {$3000.00} returned to my account & I can be done with this horrible establishment.
Product: Mortgage

My wife and I had our service provider changed in XXXX. My wife passed XX/XX/XXXX. 

XX/XX/XXXX a new Deed was recorded with the XXXX XXXX XXXX XXXX XXXX stating my wife name has been removed and the Deed is only in my name. 

The service provider Select Portfolio Servicing Inc. will not remove my wifes name. I was told they would remove her name IF I reapplied for a new mortgage with them, or her name would remain on the mortage for the entire time remaining on the loan. 

Any and all assistance with this matter would be appreciated.
Product: Debt collection

We wrote back  to Cunningham l aw inc. that we where disputing a claim.they report this claim to a collection agency in amount of  XXXX  without judgement and without notifying that this claim is being disputed.then we wrote a letter of cease and desist letter to stop the harassment and threats that are still continuing.this has been on going  for three years.this is stemming from a landlord that had no control over serious issues that he wouldnt do anything about we phoned him multiple times after months I wrote him a letter and phoned him multiple times that we  where departing from the premises we where paid in full on departure and kept are security deposit.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Central Final Control. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX XXXX XXXX XXXX XXXX XXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

Discover is reporting an authorized user on my account that needs to come off my credit report. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and damaged my livelyhood. 

This is holding me back from getting approved for a house. I am demanding CFPB to enforce the correction and delete these items. I XXXX XXXX is authorizing this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$2700.00} Wrong information do not know this account fraudulent XXXX XXXX XXXX - {$340.00} Fraudulent account XXXX XXXX - XXXX Fraudulent account
Product: Checking or savings account

They close my account with any explanation and then they said to me that they sent the closing checks for my both accounts ( checking and savings ) but i never received the checks and i call to Bank of America and they said to me like a departament hold my checks and i ask for a Reason to solve the problem and they dont Give a response
Product: Checking or savings account

I keep an overdraft line of credit on my checking account and in early XXXX I overdrafted by {$22.00}. I paid that balance 6 days later in the amount that was shown on my account, {$22.00}. There was no option through PenFed 's online system to " pay in full '' or " pay balance '' it was just a form field to type in the exact amount shown on the screen or any other typed in amount I choose. In XXXX I received a {$5.00} late payment fee. My balance on this account showed as XXXX in their system. I even tried to pay the {$5.00} and it said I had a XXXX balance and I was unable to complete the transaction. The only information on the screen was that the " minimum payment due : {$5.00} '' or " estimated payoff amount : {$5.00} '' but I had no idea which I should pay, nor would the system let me pay it anyway. Then I got a letter saying that my account was overdue, my loan balance was XXXX and that the " total past due amount '' is {$15.00}. 

First, I have no idea why I was charged a {$5.00} late fee on a XXXX balance. Second, I have no idea what amount I'm supposed to pay for the system to correct itself. Third, I have no idea how to pay this amount as the online system won't accept a payment on a XXXX balance. 

I've attached screenshots of these notices and the online payment systems messages.
Product: Credit reporting or other personal consumer reports

Recently, I tried to get an updated report on MyEquifax but kept receiving an error message. I reached out to Equifax several times and was advised my file has been duplicated and someone would get back to me. Still havent heard from Equifax and issue is still unresolved. Ive had MyEquifax for years and now there is no information like I dont have a credit file. Now I am not confident the items on my credit report or accurate as I havent been able to access my file in over a year.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX Request to company requesting process by which score is determined and update to score. 
XXXX Request to company requesting process by which score is determined and update to score. 
XXXX Request to company requesting process by which score is determined and update to score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I receive an update from Experian regarding the inaccurate addresses they are reporting on my credit file. Mind you, I have sent Experian at least XXXX letters with my correct address, including my drivers license and a current utility bill, this company decides to delete my CORRECT address and leave the inaccurate address! At this point I think they are playing games with me. I have provide all required documentation as they requested and they still get it wrong. CFPB, Ive even sent in the same letter and documentation to you as well to forward to them! According to the FCRA Section 611 ( 5 ) ( A ) of the FCRA, it is required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified! I have sent in my current drivers license at least 3 times, I have sent in my current utility bills at least 3 times, I will not send it in again, now I feel as if money is owed to me. I feel Experian is putting me at risk for fraud/ identity theft because I have verbally spoke to agents at Experian as well as sent this dispute regarding my address in writing at least 3 times. The address they are reporting is inaccurate!! Its inaccurate!! I just dont know what to do at this point, my last resort is to seek advice from a consumer lawyer. ENOUGH is ENOUGH with Experian
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I do not recognize any of accounts as reported. I do not recognize any of those accounts as reported. those accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Credit reporting or other personal consumer reports

I REQUESTED INFORMATION FROM EACH COMPANY ASKING THEM TO PROVIDE PROOF THAT THESE ACCOUNTS BELONG TO ME. THEY DID NOT PROVIDE PROOF AND THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT PROVIDING PROOF THESE ACCOUNTS BELONG TO ME. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEENSTOLEN AND USED FOR FRAUDULENT PURPOSES.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX EXPERIAN credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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,. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian ) I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is absolutely frustrating, my credit report is full of erroneous information- it's been such a long time that I have been trying to fix the errors being reported on my credit yet I kept getting ignored. These are already deleted by both XXXX and XXXX and has been blocked from reporting yet you continue to put this false and inaccurate information on my report adding unnecessary stress on my life negatively impacting my score and my applications for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/21 and XXXX. XX/XX/21 ) - IGNORED/NO RESPONSE. The XXXX letter involved account showing multiple inconsistencies. XXXX letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! XXXX letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... XXXX have now taken it upon themselves to change the status of this account from charged off to open!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX ( XXXX XXXX XXXX  ) to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, XXXX has called me twice and made XXXX  and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues
Product: Debt collection

I had a medical bill from XXXX XXXX / XXXX XXXX XXXX for XXXX. Enough I was making monthly payment, XXXX XXXX / XXXX XXXX still sent my account to a collection agency. My account was referred to XXXX. I continued to make monthly payments and paid off the account in XXXX, 2016. All payments were made to XXXX. I actually over paid by {$14.00} at which time I called XXXX regarding my credit on XXXX XXXX, 2016. I was informed by XXXX that I did have a credit and I would receive a refund in the amount of {$14.00}. My refund was processing and I should receive my refund by XXXX XXXX, 2016. I did not received my refund. I called XXXX to inquire about the refund and I was informed that my account was transferred to Credence Resource Management and given the phone number. I could not get an answer from XXXX as to why my account was transferred or on my refund. I called Credence regarding my refund. I was informed that Credence had to research further and to call back. I waited a week to call. When I called back, I was informed that no research was done regarding the refund and more time was needed. Again, I waited about a week. When I called back, I spoke to manager " XXXX '' and although there was credit on my account, Credence needed to research and contact the " customer ''. As of today, still nothing has been done. XXXX and Credence both verified that I am do a refund. I am being refused my money back. 
XXXX XXXX XXXX / XXXX XXXX ; accnt # XXXX / Credence XXXX