23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards.

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were in the process working with XXXX on getting a loan modification. Uniform Borrower Assistance Form was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX We received a Here to Help letter from Bayview Loan Servicing, saying they understand financial circumstances may change affecting our ability to pay our mortgage and they want to offer assistance in case we are unable to catch up on missed mortgage payments. Options provided to keep our home include modify our mortgage, a Uniform Borrower Assistance Form was sent along with this letter. We did not send in any documents at all at this time. 
On XX/XX/XXXX we received and " official '' letter saying our mortgage loan was transferred from XXXX to Bayview. Also on XX/XX/XXXX we received a letter saying " Thank you for sending your application for Loss mitigation> " This letter confirms ore receipt of documents requested in your Initial Package Request '' ( We did not send anything ) and instructions to Submit documents. 
On XX/XX/XXXX Letter noting our dedicated point of contact and instructions for how to apply UBAF.  And HAMP info. On XX/XX/XXXX, Letter saying they are using the UBAF documents from XX/XX/XXXX sent to XXXX and are being reviewed. On XX/XX/XXXX Letter saying Loss Mit. app is incomplete and needs form XXXX and must be submitted by XX/XX/XXXX. 
On XX/XX/XXXX ( before missing form was sent or received ) Letter received saying we were APPROVED FOR TRIAL MORTGAGE, the new monthly cost is XXXX ( which is lower by only XXXX ) I did call our point of contact to discuss the amount and see if we could re-file our UBAF because there was a significant change in our financial circumstances, His response was " Bayview is UNABLE to consider this request because The XXXX XXXX Flex Modification Trial Period Plan we have been approved for and currently making payments on ( we are not making any payments at this time ) offers the best available terms to us. Because the new Investor who owns this loan uses " The Waterfall Ranking Method '' and will deny any Foreclosure Prevention Options. Because our Loan has been approved for a Trial Period Plan this results in a denial for any other Foreclosure prevention Options Ranked below the option we are eligible. 
On XX/XX/XXXX Letter received again saying we have been approved for a Trial Plan. I called point of contact again expressing our concerns and he basically said if we do not make the first Trial Payment on or before XX/XX/XXXX Bayview will begin to FORECLOSE. 
On XX/XX/XXXX Letter saying Bayview " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' So it seems t us we Have No Recourse, No Options to Discuss and No Opportunity to Prevent FORECLOSURE from Bayview. 

IS THERE ANYTHING WE CAN DO?????
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX. Upon reviewing my XXXX and Equifax credit reports again, I can still see the unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Debt collection

I don't know who these people are. I've never had a contract with them. I've never signed anything with them. I have not done business with them. I've never bought anything from them. They are saying I owe {$200.00} XX/XX/2017, {$730.00} XX/XX/2017. I DO NOT!
Product: Credit reporting

Equifax wo n't allow me access to dispute items in my file online, even though I 've given Equifax the documentation requested. After receiving both letters, I mailed the requested documents and I still do n't receive any assistance. 


Equifax also reinserted the XXXX XXXX Bank account into my credit file without informing me. This account had been previously deleted. Since Equifax did not inform me within 5 days that the information was being reinserted into my file Equifax is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Information sent to me when requesting validation shows discrepancies. That are being dismissed. See attached.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at about XXXX MST there was unauthorized access to my Coinbase account. 2 factor authentication failed for some reason and over {$12000.00} was stolen from my account. They did this by buying bitcoin then sending it to an unregistered wallet. They then attempted to increase account limits, and obscure the theft by transferring {$12000.00} from my checking account. My bank is aware and blocked the transaction. 

I contacted the company but they have not indicated that they will assist me, and I am currently locked out of my account- they will not grant access.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

This is regarding a Bluebird By American Express SUB account ( a family account within my main account ). The phone number to contact regarding my account, this specific team is the team handling my account and regular customer service will just transfer you to this number, XXXX XXXX XXXX XXXX XXXX XXXX. 
Regular customer service number for your records XXXX XXXX XXXX XXXX XXXX XXXX This is all the information you will need to get access to speak to a representative regarding this situation and my account. 
Name : XXXX XXXX Security Question, Favorite Food : Pizza Date Of Birth : XX/XX/1994 Card Number : XXXX XXXX XXXX Email : XXXX Bluebird American Express Card The card number is inactive as they have stated multiple times they will NOT reopen this account so this is not sensitive information as the card number no longer works, I just want my funds off of the card. 
They will not ask for any other personal information other than that, you can also tell them this is a SUB account and their is no issues with the main account only this account. This is an issue only with this SUB account and there is no locks or blockage on the main account. The number to reach this team, again, is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CONSUMER COLLECTION MANAGEMENT continues to report derogatory information to my credit report on an account that has been paid in full with the original creditor. I have requested this company to stop their attempts however, they continue to report false information. 
XXXX is the original creditor
Product: Debt collection

Good Morning In XX/XX/2017 i have found some strange report on my credit file from unknown company " XXXX XXXX  XXXX XXXX '' but this collection is fraudelent and i do not have any idea where this is came from, i kindly ask you to investigate this case and delete this information from my report. 

Account number : XXXX Balance : XXXX $ Creditor Info : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Original creditor info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX my wife and I went to close on our home. The Mortgage offered was a variable rate mortgage. We refused to sign. They went back to the lender and after two hours waiting, we were offered a first and second mortgage. The first was at 7.5 % interest, the second at 10.5 %. What we didn't realize the second mortgage was a home equity loan with a balloon due in XX/XX/XXXX. They want {$30000.00}. I'm XXXX and semi-retired and My wife is XXXX tomorrow and runs a daycare out of the house to keep money coming in. I still do XXXX XXXX XXXX part time, but our credit score and income are too low to get a loan to cover this. My name is XXXX XXXX, wife XXXX XXXX XXXX. Chase now is the holder of this loan and we have applied for mortgage assistance and is waiting for their response. I don't know how my wife and I missed the terms of this loan. This was done during a time when companies were known for this kid of loan. Isn't this a form of predatory loan and are these still allowed? Is there any recourse to get out of this loan? I'll await your contact. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

An improper investigation was conducted by your agency. Equifax failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of those violations.
Product: Credit reporting or other personal consumer reports

I endeavored to process my automobile loan payment online. XXXX XXXX provides usernames for their customers, and I had an established account where I always made my payments online. However, I encountered difficulty resetting my password, so I reached out to XXXX XXXX for assistance. After a few attempts, they reset my account, but I still faced challenges setting my password. Following multiple unsuccessful login attempts, I realized that my last name was misspelled on the system, with the last two letters reversed. After seeking guidance from a representative, I successfully updated my username and reset my password, enabling me to make the payment online. Despite the payment being made on XX/XX/XXXX, it was not processed until midnight, technically marking it as XX/XX/XXXX and resulting in a perceived late payment. Following a detailed discussion with a representative named XXXX from the office of the president at XXXX XXXX, my concerns were investigated and acknowledged. However, my request for a conversation with their employees was denied in writing, without offering an immediate resolution to the situation. It is essential to note that the payment was initiated on XX/XX/XXXX, and therefore, I should not have incurred any late fees or negative marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, XXXX, Expeiran, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.
Product: Checking or savings account

Had a fire total loss and two payments was told would be deposited into my account by Chase Branch. 
The funds was deposited into my account then removed. 
Since then executive office of Chase informed me complete a intent to repair along with some receipts. 
I did that and the remaining funds have not been released. Then I was told that from Chase Insurance Dept said the Executive Office dont know what they are talking about. Then the claims department on a recorded line said that a inspection was needed by them free of charge showing the intent of work being done and the remaining funds would be release. I told the Chase Claim rep that I have completed 75 percent of the my work on my property already. 

I have just been getting the runarounds and have lost my tenant and will not be able to finish my job and feel I am being discriminated because I am a minority contracted and have submitted my personal information per their request IRS tax information and I have no idea what they are doing with my personal information requested and I have been doing my best to work with Chase.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # has violated my right 15 U.S.A.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 a account without my written instructions!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to my credit report.
Product: Checking or savings account

Bank refusing to return deposited cash amounting in {$1300.00} or more. Account is in risk management due to a returned personal check that was never cashed or released into my account. I have no knowledge of the deposited check being bad account is now in a hold a status. Have spoke to multiple branch managers, fraud department associates etc and everyone is giving me the run around. Account also has fraudulent mailing address listed for California. I do not live in California  nor have I ever had another US BANK account. Presented receipts stating cash was deposited and they still have not released my funds.
Product: Credit card

I must address the recurring problem of failed payments and unauthorized charges on my account. Despite numerous attempts to rectify this issue through your customer service representatives, it persists unresolved. These unauthorized charges not only disrupt my financial stability but also erode my trust in the security of my account. I demand a thorough investigation into these matters and a prompt resolution to prevent any further inconvenience. 

Furthermore, I am deeply concerned about the disregard for my designated legal mailing address. It has come to my attention that important notices and correspondence from Bank of America have been consistently sent to an incorrect address that is not associated with my account. This negligence not only violates my privacy but also undermines the integrity of your communication system. I insist that all future correspondence be directed to my legal mailing address as specified in my account details.
Product: Debt collection

There is a collection account in my credit file for {$550.00} from Creditors Bureau Associates. I called them and was told that they don't have to verify or validate my dispute ... I called the original creditors and was told that the collection agency never notified them of my request for validation. My dispute letter was received via certified mail by the collection agency at the end of XX/XX/2021. They have not provided me any information to prove that this account belongs to me. I requested a detail billing statement as well as a signed contract or anything that shows my signature for service. Please help!
Product: Credit reporting or other personal consumer reports

I have just tried to call in to the experian fraud team for the past 4 hours. I have been disconnected over 6 times & tried calling over 6 separate times. This is very ridiculous that I am not able to reach someone over the phone without being hung up on. I have information on my report that was due to the identity theft that needs to be removed ASAP. 

The information due to identity theft that needs to be removed is stated below : XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Employer XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've mailed in these documents via certified mail, and I'm upload them as well. Please see attached and removed these accounts that I am disputing as they are fraudulent and not opened by me. I've attached the documents required as stated by the representative I've spoke to over the phone, and outlined by the FTC and CFPB 's website. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please send me a updated copy of my report to my address on file. At this time I do not wish to place an extended fraud alert on my profile, I would like for the initial fraud alert to be removed.
Product: Checking or savings account

Hi, I really need help. My bank XXXX Bank of America ) isn't helping me. This dispute is about a number of companies- most of whom I personally reached out to. 

A business ( XXXX XXXX ) charged me {$400.00} hours and refused to refund it, though we did NO business. BOA didn't even being speaking to their bank until XX/XX/XXXX ; I reported it to them earlier than this. Its has been going on for almost a month ( 27 days in fact. ) Another business called XXXX or XXXX charged me {$170.00} + {$5.00} ( an international fee ) and refused to refund it. Again, we did NO business. That charge went through on XX/XX/XXXX and has not been refunded. XXXX agreed after I continued to demand a refund on every platform possible ( which I have also done with BOA and XXXX XXXX ) However, when I spoke to BOA they suggested I not remove the request. Why couldn't they then take the evidence I have when approaching the bank to retrieve my funds? BOA is not INTERESTED in retrieving my funds. 

Finally, on XX/XX/XXXX a company ( or two ) charged me for services I did not ask for. Immediately BOA contacts me with a fraud alert ( on that very day ) and I confirm that it is fraud. They change my cards, BUT STILL LET THE CHARGES THROUGH. And now, I am in a potentially 90 day mess of a process with BOA and all of these businesses that have defrauded me. What is the purpose of a bank if they are not protecting me? 

I contacted BOA about everything. I have contacted these businesses. NO ONE IS PROTECTING ME. And all parties involved are requiring me to continue to engage in a daily process of trying to retrieve my own funds and rectify legal violations of my rights. My mental health is declining because of this. 

I have been really diligent in trying to resolve this and at this point, I have no clue what to do : I have even contacted the XXXX no one responded to them. So, what about me? Am I not a human? 

However, I contacted the company and recorded the entire interaction. They agreed to a refund and have been unreachable since. I have attached the evidence. 

Please let me know if there is anything you can do to help me?
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX and I have been fed up with the way how I have been treated and how Macys has been severely ruining my credit with the issues that is on their end and is their fault. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX XXXX to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately! 

I request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that all credit reporting agencies block all of the accounts, collections and hard inquires identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this complaint be sent to me via email to the email provided and a new updated credit report be mailed to the address listed on file as current. Please block and delete the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed Bank of America submitted a 30 day late payment to credit bureaus. It states for XX/XX/2018. But I paid the car in full XX/XX/18. Payment was due XX/XX/18. I also have a grace period. I have never been late in any of my accounts with Bank of America or other creditors. I never received a call from anyone in their collections department for late payments or anything. I tried to call and find out whats going on and I am told a supervisor will call me back. I never received any calls back. At Bank of America even one day after payment is due and they havent received it the calls start. I feel as if this company is being unreasonable and not treating the situation as it is. I have paid off 4 vehicle threw them and was NEVER late. Please help me fix his issue. My credit has dropped over 60 points because of this.