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

Re : XXXX  card services I recently disputed an erroneous account on my credit report with transunion. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from XXXX  saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. ) Balance Owed : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ;
Product: Student loan

I have complained before on this issue and Mohela did NOT resolve it. I made several loan payments that have not been reimbursed to me. They referenced an amount that I received from a payoff I made to XXXX that they requested for me. in the amount of {$5200.00} on XX/XX/XXXX. This was for a loan that Mohela never had control over. There was several OTHER payments that I made that Mohela was responsible for requesting from the department of education because THEY HAVE THE LOANS NOW. These payments were on the dates below with the corresponding amounts. Per a conversation I had with a MOHELA representative in XXXX. She said they would be refunded and I never got them. 
XX/XX/XXXX payment of {$300.00} XX/XX/XXXX Payment of {$400.00} XX/XX/XXXX Payment of {$500.00} XX/XX/XXXX {$100.00} I WANT ALL OF THESE OTHER PAYMENTS REFUNDED TO ME as I requested on XX/XX/XXXX via a woman named " XXXX ''. XXXX was unable to request them because Mohela is their servicer now.
Product: Credit card or prepaid card

I opened a secured card with discover in 2020. After one year of making payments on-time, the {$200.00} security deposit was supposed to be credited back to me. Discover sent a paper check which was rejected by both my bank and local check cashing outlets. 
I contacted Discover 3 times at their XXXX XXXX XXXX office and was informed an ACH transfer would take place. 
When this didn't happen I filed a complaint with the XXXX XXXX XXXX. A member of their President 's Office contacted me and informed me that I was mistaken, " the check sent can be cashed anywhere '' and he re-sent another paper check printed on paper which is not readable by my bank or check cashing outlets.

I would like an ACH transaction or a statement credit. Discover is in violation of the agreement which I signed when opening the credit card which stated that the {$200.00} security deposit was refundable.
Product: Mortgage

Main issue is the after year one rate changed from what told and in initial application prefilled to closing ( although there were several other issues with the bank ). The banker we worked with admitted fault and has tried to get it fixed by going to his regional managers and customer advocacy department, all who have told him there is nothing that can be done. 

We had our initial call with our banker and on XX/XX/XXXX we followed up with an email confirming the first year rate but also included the information about the after year one rate. Email attached but said Banker- can you also provide again first year fixed rate? We know after year one its prime plus 2.75 %. His response 7.24 % fixed for 12 months ( which this turned out to be a variable rate and the banker was mistaken on this as well ). We had several conversations about the rate. When we received the initial application the rate amount was prefilled and said 11.50 %. I called immediately not understanding and he assured me that if we opened a BMO account the rate would reduce 0.25 % which matched the prime plus 2.75 %. 

After going through underwriting and providing all required information, we received closing documents on XX/XX/XXXX less than 48 hours prior to our closing. It noted any changes needed to be made before 48 hours and for us to speak to out banker. I noticed the rate for after year one was 11.75 % now and the first year rate was variable and for 7 months. He again assured us the first year rate was for one year not 7 months and apologized because it was a variable rate not a fixed rate. As for the 11.75 % he admitted his mistake and looked into what could be done. He was essentially told nothing could be done before closing but he would continue to work on it which he has continued to do.

Other mistakes or issues were : Processor never responded to our questions about financial information we needed to provide and appropriate timing of that They required us as a condo to get extra insurance even though our master policy covers walls in, plus sheet rock plus builder grade fixtures. Both our personal and master condo policy reps confirmed this was not correct but we were told by the bank we had no choice. We were told we were also getting a 0 % transfer and purchase card which turned out to be only on transfers. And the answer I was given when I questioned it was that if we pay it off each month we dont pay interest. Lastly, we were told that the advance money we requested would be deposited when received email about closing on XX/XX/XXXX. XXXX assured us it would go into account. Then told Friday XX/XX/XXXX that it was being mailed but we were not home. Then told would be deposited and then the check showed up on Tuesday XX/XX/XXXX with no signature required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the middle of XX/XX/2019 I heard an ad on the television about boosting my credit score for free. I visited the website that redirected me to Experian. After finding out Experian required an expensive monthly subscription to boost my score I declined to pay for the subscription. Around the end of XX/XX/2019, I applied online for a home mortgage application with XXXX XXXX. On XX/XX/2019, Experian sent me an email stating a delinquent account had been reported to creditors and my credit score had been reduced by 83 points as a result. On XX/XX/2019, I opened a dispute about the derogatory credit entry with Experian. In the dispute I explained that XXXX XXXX actually owed me {$290.00}. XXXX XXXX had made a $ 1200+ billing mistake that they notified me about and assured me that since it was their mistake that I would not be responsible for the amount. On XX/XX/2019, the dispute with Experian was completed and Experian advised the negative credit entry will remain on my credit. All the time, constantly sending me emails offering their credit services.
Product: Credit card or prepaid card

In XX/XX/ I noticed several charges that I did not recognize. After disputing them with Capital One, they ultimately determined that the charges were mine. However, I wasn't even in town when they occurred. Over the summer of XX/XX/XXXX, I wrote several letters asking Capital One to provide me with backup in the form of signed charged receipts with my signature on them proving the charges were mine. They refused to do so, continually responding with a general letter stating that they concluded their investigation and that the charges were determined to be mine. I wrote again and again and again with the same response! I finally found I no other alternative other than to dispute this situation with the CFPB. I am asking Capital One to provide me with physical proof, with MY signature, showing exactly when the charges were made, how they were made, where, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a inquiry on my credit report from Capital One that I did not make, I have reached out to them numerous times to let me know what is going on and have been either put on hold and forgotten or told they are not seeing an inquiry, I am very worried about identity theft and am very upset that Capital One continues to ignore the fact someone made an inquiry, I don't know if they approved a card and seeing that my credit is XXXX I know they most likely did issue a card, I don't know where to turn and hope you can help me get this resolved. I have uploaded the letter sent to Capital One back in XXXX and a screenshot of my XXXX XXXX showing the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit reporting company. They did nothing to resolve the situation. They sent me the SAME information that I already saw on the report that I disputed. I waited for that??? 
Why should we bother with credit reporting agencies anymore? They encourage debt and when you have a dispute about incorrect information, THEY COULD CARE LESS. 

I'M DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to remove the following account from my credit report after Equifax and XXXX has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
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 ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Phone call to XXXX and Transunion to inform them that this debt owed to XXXX XXXX XXXX XXXX was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or Transunion. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns reguarding Zelles handling of disputes.
Product: Mortgage

RESPONSE TO FOLLOW-UP COMPLAINT XXXX First of all what you have concluded makes no sense & you contradict yourself. We had issues closing on our home because you FILED the HUD lien which was for XXXX & XX/XX/2020 that I did accept and paid you back in full on closing, but you never actually RECORDED it therefore no funds ever came from HUD and it still does not excuse you reporting NO DATA on my account for XXXX 2020 because I paid my mortgage in FULL and show the statements as proof & you never actually recorded the lien so I have no idea what you were waiting to process per HUD, XXXX & your own documentation that states you never recorded it because your paperwork was null & void due to having separate signatures VS combined. Again, I order you to report my mortgage payments I made in full for XXXX, XXXX, XXXX, XXXX, XX/XX/2020. 

ORIGINAL COMPLAINT XXXX I have shown PROOF that the credit reporting agencies show NO DATA when I made payments on XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. I took COVID plan for XXXX & XX/XX/2020 AND NOTIFIED YOU I NO LONGER WANTED IN XX/XX/2020 BUT YOU KEPT HOLDING ALL PAYMENTS UNTIL XX/XX/2020! I CALLED YOU MONTHLY TO REMOVE ME AND MANUALLY PROCESS AND APPLY MY MORTGAGE PAYMENTS, BUT YOU KEPT FORCING THIS PLAN ON ME. WHAT DONT YOU UNDERSTAND! STOP CALLING ME. I TOLD YOU TO EMAIL ME. I AM NOT PLAYING PHONETAG AND I WANT PROOF OF ALL CORRESPONDENCE SINCE YOUR PHONE RECORDS NEVER HAVE ANY " PROOF '' OF THE CUSTOMER 'S SIDE OF A SITUATION. I HAVE PROVIDED DOCUMENTATION TWICE. CFPB NEEDS TO ADDRESS THIS CORRUPT BANK. PLEASE REVIEW MY PROOF. THEY DID NOT REPORT MY ON TIME IN FULL PAYMENTS FOR 2020.
Product: Debt collection

XXXX XXXX XXXX is noncompliance with the federal requirements pursuant to 12 CFR 1006, section 803 through 812 of the Fair Debt Collection Practices Act. 

XXXX XXXX XXXX was sent a cease and desist order which he has continuously violated. 

XXXX XXXX XXXX was sent a debt validation notice which he was notified the debt was not validated properly. He has continued to attempt collection. 

He also continues to sell PRIVATE information about the consumer to other third parties for collection attempt. 

He has failed to identify himself and answer to Freedom of Information Request. 

I have reason to believe he is not registered to do business.
Product: Credit reporting or other personal consumer reports

I have XXXX inquires on my credit from someone using my name to try XXXX purchase a house. I will contact the other credit bureaus for fraud protection and put a freeze on my account myself I would like help removing these inquiries please. I have know idea where they are coming from
Product: Credit card

On XXXX/XXXX/XXXX, I closed my account with Bank of America 's XXXX credit card. After paying my final bill, I was left with a balance of - {$35.00}. I phoned BoA and was informed that I would receive the balance owed me by check. 
In XXXX, I received a new " bill '' statement with an account balance of - {$27.00}. BoA had passed through a new charge to my closed account on XXXX/XXXX/XXXX, of {$7.00}. I phoned BoA and was assured by them that the charge would be removed and I would receive a check for - {$35.00}. Instead of sending me a check for money owed, BoA continued to send me a monthly bill statements, each showing an account balance of - {$35.00}. 
That is until XXXX, when I received a bill statement from BoA indicating that my account balance had been reduced to - {$5.00}. On XXXX/XXXX/XXXX, BoA had passed through a charge on my long-closed account.. I phoned BoA for an explanation about this charge and why I still had not received the balance owed me. I was told it was an old charge. This was clearly not true. The XXXX XXXX - XXXX XXXX, XXXX statement shows a " Transaction Date '' of XXXX and " Posting Date '' of XXXX. Subsequently, I received a check for {$5.00}, dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I received another Account Balance from BoA : " You have a new e-Bill from Bank of America Credit Card - Elite Rewards. '' Given this history with BoA, which apparently has yet to completely close my account, I am worried about fraudulent use of my long-ago closed BoA XXXX account. 

How I can be made whole : 1- BoA should pay me the full balance owed of {$35.00}. 
2- BoA must completely close my account. I should receive proof in writing of that action. 
3- CFPB should consider investigating BoA for improper ( if not fraudulent ) billing practices.
Product: Debt collection

XXXX   XXXX   is harassing me about a debt that I do not owe. I am a victim of ID Theft
Product: Mortgage

UWM canceled my enrollment in autopay without my knowledge or consent. This caused for my mortgage to become delinquent. They called numerous times but failed to leave a message. My credit score has been negatively impacted due to this. I have contacted them to assist but they are unwilling to remove the late payment. The first time this happened, they admitted fault and deleted the late fee. I caught it before it was reported to the bureaus the first time. This second time, I did not catch it in time and it was reported to the credit repositories.
Product: Credit card

On XX/XX/XXXX, I purchased an XXXX XXXX computer ( ORDER # XXXX, with XXXX TB Hard Drive. After just a few months, I started to notice the computer was defective. While researching, I checked the specs on my computer, and realized that I was shipped the wrong item. I had purchased XXXX terabyte of storage, but the computer I was sent contained about 25 % that amount. Because I was sent a less-expensive, inferior product, and due to the defective device, I called Amazon and negotiated a return and full refund. The representative told me very clearly, several times, that first, a partial refund would be processed ( the total amount, minus {$200.00} ) and that as soon as it processed, I should call back to have the remaining {$200.00} refunded. The representative stated several times that this would be no problem, really emphasizing this fact. When the initial amount of the refund was processed, I called Amazon to have the remaining {$200.00} processed. Amazon refused. I told them that they have a recording of the representative telling me the additional {$200.00} would be refunded to me. They acknowledged that I was told this, saying they are not disputing the fact, simply that they refuse to comply with what I was told. On XX/XX/XXXX, I filed a dispute in the amount of {$200.00} with Synchrony Bank, who issues the Amazon credit card I used for the purchase. I received several voicemails saying that they are processing the dispute, and XXXX letter saying it would be resolved within 60 days. I checked my account online and followed-up several times, but was given no information, other than that the 60 days had not been completed, and there were no updates. Today ( XXXX ), I called for an update. I was told that my dispute is still open, that they don't know the status, that the " department '' that handles disputes has no consumer department or phone number, and that Synchrony Bank can not contact Synchrony Bank to get an update. I mentioned that it has been more than the 60 days I was promised since I filed the dispute, and was told that they have no idea when I will get a resolution, what the status is, or even if anything has happened other than the dispute being received. This is not a case of simply not liking a product. Amazon clearly sent me the wrong ( defective ) product, and mislead me. Amazon lied to me, acknowledged it, and refused to fix their error. Synchrony Bank has not upheld their promise to me. I just want my {$200.00} back.
Product: Payday loan

I was tricked into signing up for Pay Pal credit when I just wanted to buy something using Pay Pal I want to just payoff and close account but I want them to remove the inquiry from my credit report and I cant payoff the charge since the charge is still " pending ''. I just want to pay-off and close account.