23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I keep applying for the card but I keep getting told that they arent al Blue to identify who I am. I have tried this on numerous occasions and have talked to representatives on numerous occasions. I am told that I do not know how to upload a copy of my ID into the system. However, this is the only credit application where I am required to do so, and I am denied as a result. No one in their right mind doesnt know how to upload a copy of their ID photo into a system in the year 2021. I have tried asking to speak to a supervisor, but no one contacts me back. My application is just denied. I believe that it's because my photo ID shows a XXXX face.
Product: Debt collection

I had a company XXXX, that was trying to collect a Debt for the amount of {$1900.00} they turned the amount to a company called XXXX XXXX XXXX in XXXX which placed it on my credit report, I disputed the account with all 3 credit bureaus and successfully got the item removed from all 3. This debt not owed by me has been off my credit reports for many years now. Recently a Debt purchasing company purchased this paper from XXXX XXXX XXXX who represented XXXX, and without any notification by phone, email, or text they placed the account back on my Credit Reports without any chance to dispute the matter within 14 days I am allowed by law. I would have explained to them the circumstances with this debt not owned by me, but they never notified me, I was notified by XXXX that they placed this debt on my credit report without contacting me what so ever. I want this removed and they should be fined due to their lack of abilities to follow the laws that govern this matter thank you
Product: Checking or savings account

BANK OF AMERICA HAS RUINED OUR XXXX!! We live paycheck to paycheck & my husband & I have a joint account. My husband works in the middle of nowhere XXXX  on a XXXX  for XXXX XXXX out of XXXX for the last 10 yrs. We receive his check in paper form while trying to set up dd. We have had this account since XXXX. I mobile dep when hes away & when hes home he cashes in person locally because like I said we have been living paycheck to paycheck. We live 2 hrs away from a BOA. His check I received like clockwork the Thursday before XXXX I tried to mobile dep & had a limit of XXXX left so I could not mobile dep. I drove 2 hrs away that night to XXXX XXXX  to a BOA atm just to see a XX/XX/XXXX hold would be attached so I cancelled the dep knowing I could not do that. Our electricity would be turned off, we would have no food, my husband would have no food or be able to get home. Much less have any XXXX for family. So I took what little money I had drove to XXXX XXXX  the next day & tried that ATM & it said the same thing. So I stayed the night in my vehicle to go inside a BOA on XXXX XXXX in XXXX Saturday morning the XXXX at XXXX. I take the check inside & tell the lady what all Id been through, she apologizes & takes the check to deposit. Tells me the funds will be available Tuesday morning & gives me a receipt. Does not mention a hold of any kind. I think everything is good, I was in at XXXX XXXX and out at XXXX. I drive home barely having enough gas to make it. I check my app when I get home just to see they put a hold on the check til XX/XX/XXXX. I immediately call to complain & get a manager that tells me to call back the following Tuesday morning the XXXX which I do. The manager on Tuesday says they would release the funds if they could but its stuck in processing. Tells me they understand!!! Understand???!! Understand that we will have no food through XXXX, no electricity, my husband will have no food at work or be able to get home? My husbands payroll check has normally rolled over the next day w mobile deposit. Seems excessive to put a 9+ day hold on a check thats funded from BOK & both banks are instate & XXXX  check has been deposited many times before! I cried & pleaded to these people to no avail! I cried the entire day on Tuesday & Im devastated that our family cant celebrate XXXX because they choose to withhold funds XXXX a normal amount payroll check thats rightfully ours! I pleaded with them to extend an overdraft limit so we could at least try to salvage our XXXX but no! This is a nightmare! Can anyone help us? Does anyone care! No one Else should have to go through this! This cant be acceptable!! If their BOA employee would have even mentioned a hold to me I would have taken the check & left to look for other options. I was told the bank employees cant see if there will be a hold ( but the ATM can? ) I told this lady the entire reason I was there! She could have told me that she couldnt be sure that there still wouldnt be an extreme hold On the check, but never a word! Just everything is fine heres your receipt & funds will be available on Tuesday morning!
Product: Mortgage

I applied for a modification and received a letter of approval from Shellpoint mtg dated  XX/XX/19 stating 3 trial payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is our second home - my husband begins cutting the grass bi- weekly in Late XX/XX/XXXX- he had a serious XXXX XXXX   and was not able to do the maintainance for a couple of months - we returned from Vacation to our home after the XX/XX/XXXXand found that someone had changed our locks, emptied our refrigerator and winterized our toilets and sinks - found a sign in sheet dated XX/XX/2019, a vacancy certification and a management co stating g that if this home is not vacant please call - I called the contractor who immediately helped me, the mgmt co told me that Shellpoint had hired them - I sent a demand letter to Shellpoint stating their illegal use of duel tracking according to the regulation x law - my contact immediately told me the lockbox code to obtain my new keys as my own locks had been changed!! I have talked to legal counsel and have all documentation and papers left in my home - my home clearly could never be considered vacant with family photos and furnishings etc. I felt violated that the mortgage company did this with no consideration to even call me prior to their actions - Today o received a letter from my insurance dated XX/XX/2019 that a claim had been filed for some water damage on the deck/ siding - the letter states date of loss as XX/XX/2019 - I did not file this claim as we are aware of this due to extreme amounts of rain and are planning for repairs. - the adjustor stayed that he couldn t talk to me, that he was talking to the foreclosure Dept - I have sent an email to him for any notice or claim in writing from any other party other than me as I obtained the ins. I have spoken to counsel in regard to all of these unethical and illegal aggressive actions taken by Shellpoint mortgage co - No one should ever experience this!
Product: Checking or savings account

On XX/XX/2020 I opened a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ) with First Citizens Bank. On XX/XX/2020 I received an email stating XXXX additional accounts were opened and ready to use. XXXX was a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ). First Citizens Bank fraudulently opened this second set of accounts under my name. After informing the bank of this fraud, a Customer Support Specialist by the name of XXXX stated : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our records indicate that a total of XXXX accounts were opened in the month of XXXX. The accounts that you noted, were opened two days prior to the other checking ( XXXX ) and savings account ( XXXX ). First Citizens Bank does not open accounts without a direct request from our customers. For security purposes, we require a signed letter to close an account. If you are unable to close your account at the branch, you can call us directly at the number below to close your account by email. You can also close your account by submitting your request in writing to the following address : First Citizens Bank Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX Please enclose your account number, your signature, and instructions on where to send any remaining funds, as well as a good daytime phone number should we have any questions. You XXXX also fax your request to XXXX. If you are closing your account within XXXX months of opening a checking or savings account with us, you are subject to an early close out fee of XXXX  

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. '' I am attaching the emails confirming the dates I stated which contradict the Customer Support Specialist 's claims. First Citizens Bank is refusing to close the fraudulent accounts they opened unless I pay XXXX
Product: Checking or savings account

I have been scammed by an Absconder and filed two police reports. XXXX police told me to work with PNC. I did work with them and everytime from the branch to the telephone persons all they told me is to file a complaint. The complaint that they said will take 3 days to dispute a scam most 99 % won't be able to do anything to me. I have been asking for explanations and they never call me back when they said they will. I have to put in request to be called then they called me with an attitude we are working on it when i recieved a letter a few days ago saying that they won't be able to do anything because it's 3 days dispute and they can't find anything. Of course nobody is able to do any investigation work in 3 days, not even the police can trace me being scammed that fast. I gave them all evidence, the absconder list, police report testifying me. Nothing comes from their end but just a half of a job to do a complaint, 3 days passed, well PNC is not able to do it because their process takes 3 days to dispute?. I told the only person that call me back why is he saying they are working on it when i already recieved a result he said well he doesn't have to go over any clients files before he calls. Well if you don't care why even bother to call? Because people complained so PNC give them a half answers and if they are not satisfied still, pnc would just call and lie that they are working on it when i receive a letter from the dispute department saying they won't help? But the on call person from the same department would call me still and lie to me that they are working on it, then got busted and keep saying basically bad luck, do you want to file another complaint? Is there ang other things he could do for me in a threatening voice. Even worse, when i want to speak to a manager at the branch, they deny it, i wiped all of my deposit box and money and they treat me disrepectfully saying that it's my fault and its not on PNC. Well, you are the keeper of my money, it is your job to keep it and protect it. Another time at the branch, branch representative told me file a complaint again won't do anything, it will just bounce back the time for the investogation and make it longer so just stop?. 

Helpless, i have to report them. Even if i lose my money, PNC lose a customer for 7 years who deposited more than XXXX in those years
Product: Debt collection

I do not know what this debit is for. Company has called my ex husband, mother and current husband.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 : XXXX XXXX XXXX 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 TRANSUNION 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, credit repair services, or other personal consumer reports

My issue has been our credit reporting picking and choosing what they want on it any negative it's ridiculous it's so hard to take care of my family if I don't even get a opportunity buy a home or get a load of even get a credit card because I'm instantly denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously brought to the attention of Experian on XX/XX/XXXX. However, to date, I have not received any response from them. I kindly request your assistance in addressing this matter. 

Below, I have provided the details of the inaccurate information on my credit report, along with the required correction : Inaccurate Account Information Company Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Request : The information indicated for this account is imprecise. The reported balance of {$2600.00} is higher than I remember. Additionally, the amount indicated in the Past Due section should be removed, as this account has a closed and charged-off status. Please mark this account as disputed until the appropriate corrections are made.
Product: Credit card

So there was a data brench and my information was exposed so now I have an account opened in my name without my consent or knowledge. The account was reportedly opened on XX/XX/2025 with Midland Credit Managem for amount of {$6600.00}. This was not me nor should I be responsible for the situation because it wasnt me. This company never notified me nor contact me, nor did I receive any information regarding this account. I only was aware of this account due to my credit wise account showing me that they were something added to my credit report, which, then I realize there was a new open account on my credit report. I need this removed off my account immediately!
Product: Debt collection

This company called Fair Collections and Out have called me countless time and are making my credit score go so low over a debt I know nothing about. I have talked to them and ask them to stop the call and they keep sending letters to my old address. It is so embarrassing and now I can't even buy a house or fix myself because they have dealt with me and my credit score is back to XXXX. Please they need to take this off my credit .... Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove these inquiries 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/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Back in XXXX of 2017 I was denied XXXX XXXX XXXXXXXX so lost 6 weeks of pay. MB Financial said I could modify my mortgage to a 30 year mortgage. No one returns my calls. I have left over 5 messages since X/XX/17 including another one today X/XX/17. I work in the financial industry & it should only take 30 days at most to modify a mortgage. I am getting the run around & continue to rack up fees because they do n't call me back nor have started the next steps to modify my mortgage. They give me fake phone numbers too. I have names & direct phone numbers in their loss mitigation department & either it rings and rings or numbers not in service. I do n't want to lose my home. I 've been a single XXXX mother for 17 years. No one calls me back or has started the mortgage modification process. Please help me.
Product: Credit card

On XX/XX/XXXX I sent back a statement that read " ACCEPTED FOR VALUE Redeemed In Lawful Money Pursuant to 12 U.S.C. 411. All credits and debits must be settled and discharged in lawful money. I demand full discharge of this obligation in lawful money. Public Debt Obligation under 31 U.S.C 5118 ( a ) ( 2 ). ". I signed and included a Federal Reserve Note with serial number XXXX. The payment transaction was XXXX and posted XX/XX/XXXX. 

On XX/XX/XXXX I sent back a statement that read " ACCEPTED FOR VALUE Redeemed In Lawful Money Pursuant to 12 U.S.C. 411. All credits and debits must be settled and discharged in lawful money. I demand full discharge of this obligation in lawful money. Public Debt Obligation under 31 U.S.C 5118 ( a ) ( 2 ). Pay to the order of XXXX XXXX Date XX/XX/XXXX ''. I signed and included a Federal Reserve Note with serial number XXXX. The payment transaction was on XX/XX/XXXX and posted XX/XX/XXXX. 

I called on a recored line ( I recorded on my end as well ) on XX/XX/XXXX to try and understand why my account still has a balance due. I was informed by a member of the statements team that they have the right to decline conditional payments. I responded with " you didn't decline it. You accepted my federal reserve note as payment. ". He just continued to falsely state that they declined the conditional payment. You can't decline it and take the money. It's a total violation of my rights.
Product: Debt collection

I called GC Services on XX/XX/2019 at XXXX hrs and spoke with XXXX. I attempted to make a settlement with payments for {$4000.00}. XXXX explained that I could not do that and he needed full payment immediately. I explained that I could not afford to pay the amount in full but I could make payments of {$100.00} per month and make settlement arrangements in XXXX when I received my military sign on bonus. He said he could not accept this arrangement. I asked for the payment address so I could begin mailing in payments. He said that I could not mail in the payments. I asked again and he said that he could give me the address but they would only accept payment in full. I asked again for the payment address and he refused to give me the address.
Product: Mortgage

I contacted Citimortgage previously about their collecting property insurance and taxes on the alleged mortgage for account. I called once again and spoke to citimortgage representative XXXX ID # XXXX and asked informed her that Property Taxes and Insurance was my responsiblity to pay and NOT citimortgage. The representative said it was their responsibility to escrow taxes and insurance. This among other major problems exist with this alleged account. This collection of insurance and taxes is one of many. I have a written document from Citimortgage CONTRARY to what the representative explained. It is the " HAMP modification from Citimortgage dated XX/XX/2010 original document. This is clearly a BREACH by Citimortgage as I have previously stated I did address this problem in XX/XX/2010 but as usual it went ignored and citimortgage refused to STOP collecting taxes and insurance from me via escrow in this alleged mortgage. 
See documentation that I have included in this complaint. See paragraph 4 ADDITIONAL AGREEMENTS letters C and D of the Multistate Home Affordable Modification Agreement
Product: Debt collection

I'm writing to express how deeply annoyed and dissatisfied I am with the way your bureau has handled my complaints about identity theft. I have tried numerous times to fix this problem, but I have never received a satisfactory response or action from you. 

I was the victim of identity theft, and because of the unauthorized accounts and transactions that showed up on my credit report, I had to deal with a lot of emotional and financial difficulties. I reported these fraudulent acts to your bureau, and in order to prove my innocence and support my assertions, I sent all the required paperwork along with thorough explanations. 

But, a very long time has passed since I first brought up these issues, and I still haven't received a satisfactory answer or resolution. In addition to causing me a great deal of stress, this delay has had real detrimental effects on my financial security. Because of errors on my credit report, I have had my credit applications denied, my interest rates increased, and I have been harassed by XXXX XXXXXXXX nonstop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your agency to investigate my identity theft complaints thoroughly and promptly. I demand that you give my case top priority, look into this matter thoroughly, and get rid of the bogus accounts and activities from my credit record as soon as possible. I also want regular information on the status of my claim and a well-defined deadline for its conclusion. 

I think it is my right as a customer to have my complaints taken seriously and swiftly addressed. I'm ready to seek legal advice and take this issue up with the relevant regulatory bodies if your bureau doesn't respond satisfactorily in a fair amount of time. I want to make sure that justice is done.