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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Checking or savings account

My husband has an account at PNC bank. He passed away on XX/XX/XXXX. He receives social security direct deposit payments. He received a payment on XX/XX/XXXX ( which he was entitled to since social security pays a month behind, this payment was for XXXX ). The normal monthly bills were paid out of this account. When social security notified the bank of his passing and that they would not be doing any more payments the bank put a hold on the payment that had already been posted on XX/XX/XXXX. They were notified on or around XX/XX/XXXX. PNC told me I had to get an affidavit of stating small estate since this bank account was the only asset my husband had. I got the affidavit notarized and returned to them within 2 days. They then told me that because they froze the account and check ( {$2800.00} ) that the account was overdrawn {$1300.00}. They stated I needed to pay the money, they would return the payment to social security and then I would have to figure out how to get the money back. I do not have the money to pay that and when I called social security they stated the payment did not need to be returned and if it did they would have issued a reclamation against it immediately. PNC then told me I needed a letter from social security saying that he was entitled to the payment, which I went to the social security office and got and sent to them. They then stated that I had to pay the {$1300.00} and they were going to return the check. Per social security this is a long and difficult process to get money back ( the account actually has about {$1400.00} in it if they would release the hold on the check ). PNC sent me some green book screen shots which did nothing but prove that they only have to hold and return payments that enter the account AFTER they are notified of the death, which happened on XX/XX/XXXX. There were no payments after this date.They are holding a check that had already posted on XX/XX/XXXX. It clearly states on the social security website they do not have to return these funds unless they get a reclamation request ( which social security already told them they don't have to return the funds ). I have sent them all the supporting documentation and they keep stating it's the law they send it back, which it is not. Social security said they are always terrible and give people issues. Social security states the documents we have provided are more than sufficient to prove no funds are due back to social security and that they can release the hold, give me the money left in the account and then close the account.
Product: Mortgage

This sadly is the second time I am having to file a complaint to try to get insurance settlement money that is in escrow with this New American Funding sent to me. Our house burned down XX/XX/2014 and New American Funding has been managing the insurance settlement funds as I had a loan against the house that burned down. We had problems getting them to disperse these funds before and I was given a direct contact who was supposed to assist us with all future disbursements named XXXX but when I called to speak to him he was no longer with the company and I was told anyone could help me. I asked for a final inspection and it showed the house was complete. This inspection was completed on XX/XX/XXXX. I requested the final draw amount and sent the letter via fax and mail they required, which was a document stating the repairs were complete, signed by me. I spoke with XXXX XX/XX/XXXX and she reiterated all they needed was the signed statement that the repairs were completed the completed inspection and that they would then be able to disperse the final draw. I received a letter XX/XX/XXXX stating they also needed a copy of the final bill from my builder. This was a news to me and so frustrating. Why do they keep adding requirements and not telling me in advance? The final bill from the builder had not yet been generated as we had a few outstanding change orders for some small landscaping issues. Furthermore what difference does it make if I owe more or less than whats in escrow? If its less does that make me less entitled to the funds? If I owe more does that mean I ca n't have the funds to pay the builder a partial payment? I was so frustrated with New American Funding that we decided to refinance the house with another company and I knew we were closing on that loan on XX/XX/XXXX with it scheduled to be funded XX/XX/XXXX so I opted to not send any additional documents as once the house was refinanced New American Funding no longer has any financial interest in my house or insurance money and would have to release the insurance settlement money. The loan I had at XXXX XXXX XXXX was paid off by XXXX XXXX on XX/XX/XXXX. I called XX/XX/XXXX to confirm the funds were being sent and spoke to XXXX XXXX at the call center at around XXXX. He acknowledged that the loan was paid in full but that I had to send the final bill from my builder. I asked to speak to a supervisor was told they were not available after holding for about 20 mins, that it would be 48 hours before they could call back meaning Monday. XXXX then said they never even received a request for the final draw. I asked why they sent those forms and requests and he did n't seem to have an answer. He said he could resend the request but without the bill the file is not complete and the request would be denied.
Product: Debt collection

Account # XXXX ic system was opened XX/XX/year>. This account is reporting as collection on my account. This is not my account and I have filed for identity theft. Reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not have my permission to run my credit. 

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

I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XX/XX/2022, XX/XX/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: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction with the ongoing attempts to remove the charge-off account from my credit report. This marks the several time I have raised this issue, yet it still persists, greatly impacting my financial standing and opportunities. 

Despite providing all necessary documentation and evidence to support the removal of this charge-off account, it continues to appear on my credit report. This recurring issue is not only concerning but also deeply frustrating, as it undermines my efforts to improve my creditworthiness and financial stability. 

It is imperative that this matter is addressed promptly and effectively. I expect a thorough investigation into why the charge-off account persists on my credit report despite multiple attempts to rectify the situation. Additionally, I request transparency regarding the steps being taken to resolve this issue and a timeline for its resolution. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}.
Product: Money transfer, virtual currency, or money service

My father transferred me XXXX dollars on XX/XX/year>, via Western Union. The money was supposed to be received by me by the XXXX of XXXX, but it did not. Further, when I contacted authorities regarding this, they said it was going to be refunded to the original bank account. Then they update it as delivery to destination on the XXXX of XXXX, which has not been reflected on my bank account yet. They have raised a case for investigation but don't have any updates. They ask me to call every 24 hours to check for updates.So far they dont have any updates regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report inaccurate information on my credit report. The XXXX accounts are listed below ; XXXX. XXXX  : this is listed as a charge off but is showing a missed payment with a balance of {$2700.00}. This is inaccurate reporting XXXX : listed as a charge off and showing a missed payment with a balance of {$13000.00}. Also being reported in accurately. 

The date of last active and date of last paid is different from the other XXXX credit reporting agencies. How can this be if this is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX nor XXXX XXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. XXXX XXXX XXXX contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX for the accuracy of this report. It has been 1 year since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand this inaccuracy to be removed from my report and to notify XXXX XXXX XXXX and XXXX  XXXX of their discrepancies.
Product: Money transfer, virtual currency, or money service

Wells Fargo mention they owe us money between certain years or up to the year of XXXX  taking money without our consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE CORRECTED OR UPDATED FROM MY CREDIT REPORT : XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Product: Student loan

I was steered towards a higher cost repayment plan a few years ago. The payments were set so that i am only paying the interest and barely paying on the actual loan. Last year i paid almost {$700.00} in interest, and the loan itself was only paid down about {$100.00}.
Product: Checking or savings account

I went to a bank of america on XXXX XX/XX/2020 to deposit in my business account at XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. I gave her {$4900.00} and the teller says she only received {$4900.00}. At the time, I didn't know what to do and I was in a hurry, but more I think about it, more I think she just pocketed my {$60.00}. This is the first action I am taking.
Product: Mortgage

Almost 4 years ago, Bank of America started foreclosure actions against my family after we fell behind on our mortgage. They demanded a reinstatement amount that was more than three times the actual past due payments. When we questioned them on this, they simply insisted on receiving the amount they demanded and initiated foreclosure. 

We applied three times for loan modification with BOA before we got a trial modification. Each time they denied receiving the application. We successfully completed the trial period but BOA never stopped the foreclosure process in court. 

Three months after we completed the trial modification process, we got a permanent modification package. When we scrutinized the small print in the new loan documents, we discovered that Bank of America had actually increased our monthly payment by over {$60.00} even though their trial modification documents had clearly and specifically stated that our payment would not exceed a certain amount if we successfully completed the trial modification process. 

In fact, the amount by which our monthly mortgage statement could go up was specifically stated in the trial modification documents! All through this period, we were making our monthly payments. However, when we questioned the discrepancy between the trial and permanent loan modification documents, Bank of America stopped accepting our mortgage payments and foreclosed on our home. 

Then, without informing us, they transferred our file to XXXX XXXX XXXX, and XXXX XXXX, sold our home at auction and submitted false $ numbers to the court as the amount they spent in selling our home! Never mind the fact they were the only bidder, or that they bid an amount higher than the actual balance due. Today, we are told that XXXX XXXX, is actually working for XXXX. 

Recently, we found out that the mortgage modification Bank of America gave us was actually not XXXX under the XXXX XXXX federal government mandated program under which we had actually applied. With the " generic '' modification Bank of America gave us, we lost some rights and protection to which we would have been entitled under XXXX. 

Our mortgage account # is : XXXX and our case file # is : XXXX ( XXXX XXXX, Illinois ). We are legally fighting XXXX XXXX, XXXX and Bank of America. We have limited financial resources to continue fighting these big companies for our home. We should not be made homeless because Bank of America is deceitful and corrupt. 

This is part of the reason why there is so much public discontent and lack of trust for these big fraudulent banks and our elected officials.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries are fraudulent I didnt authorized them please delete them from my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX TO THE F.C.R.A. ( FAIR CREDIT REPORTING ACT ), LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account Name XXXX account number XXXX, Account Name XXXX  account number XXXX, Account Name XXXX account number XXXX, Account Name XXXX XXXX account number XXXX. Account Name XXXX XXXX  account number XXXX Account Name XXXX XXXX XXXX  account number XXXX Account Name XXXX XXXX account number XXXX Account Name XXXX XXXX number XXXX has violated my rights. 15 U.S.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. 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.15 U.S.C 1681s- 2 ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. XXXX and Capital One have violated my rights by failing to provide the itemization within 30 days per the CFPB Guidelines. Please delete this account.
Product: Money transfer, virtual currency, or money service

Truist Bank - XXXX, NC XXXX. On XX/XX/XXXX I went to the Truist XXXX to pay off my loan balance with my existing checking account after more than 7 years of timely payments for my XXXX  year loan. The front door was locked soIi went to the drive up window. I shared my drivers license and account information and the staff member went to his terminal. The onsite personnel were unable to complete this request for over XXXX minutes ( XXXX bankers and no other customers ). After waiting patiently, i asked what was taking so long. XXXX XXXX XXXX XXXX said i could have done this online and they didn't need/want my business. The transaction was finally completed and I left frustrated and offended.
Product: Debt collection

I had to move due to a XXXX XXXX situation. Upon moving, I IMMEDIATELY called the rental office to report that I had moved from the residence. I was told by the office manager that because I was breaking the lease ( due to having to flee ) I would be responsible to an additional months rent as an " early termination fee ''. Never received a bill after our conversation, and then it reports to my credit for XXXX! I do agree because I was breaking the lease I am responsible for an additional month. I looked up the laws in the state of Maryland it states " * They can break their lease no matter how long it is without penalty if they have a protective order and give the landlord 30 days notice. Tenants will only be responsible for a months rent and repairs to damages, which can be deducted from security deposits. "
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below 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: Bank account or service

My brother and I rolled his change so it could be deposited into his savings account. We went to the XXXX, MI branch to deposit the money. As soon as the tellers saw the rolled coins the XXXX of them began arguing about which one had to wait on us because they did n't want nor need the change. It was not only frustrating, but also highly embarassing. My family was so embarrassed we are ready to empty XXXX accounts from PNC bank and taking the money elsewhere!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Look at what they are applying to principal, and look at the historical payments. I tired a loan modification I made 3 payments on time. The loan modification they offered a new Maturity date to XXXX. They saying I Owe XXXX, I ; ve only missed 2 at XXXX has you can see I have been paying XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Principal Only Payment {$91.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$900.00} XX/XX/2019 Mortgage Payment {$950.00} XX/XX/2019 Mortgage Payment {$950.00}
Product: Mortgage

I contacted QuickenLoans about a possible VA mortgage online. I received a callback from representative XXXX XXXX about a possible mortgage. Under false pretenses, and against my verbal reservations, I allowed him to run a hard credit inquiry for my credit score, knowing that it could negatively impact my score. I had already informed him that I had recently inquired on my credit scores from the " top XXXX '' ( XXXX, XXXX, XXXX ) within the last XXXX days, and he assured me that the scores were fine, but Quicken needed to verify. He came back and told me that the scores were XXXX points less than the report I had received from the reporting agencies listed above, and then proceeded to explain to me that the scores were " weighted '' for a mortgage. Nothing in the reporting I received from the agencies themselves indicated that there was a different score for mortgages than the score that was reported to me. I feel that I was coereced into allowing this company to get a hard credit inquiry, damaging my credit, when the representative did or should have known that my " weighted '' credit score would not have been sufficient for a loan from Quicken.