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

On XX/XX/XXXX I received a phone call that came up on my phone, Bank of America.. I gave them all the information they asked for.. social, drivers license, debit card numbers. I looked at my bank account 2 days later.. their was 4 charges amounting to XXXXwhile I was on the phone my sister called me and said I just called your phone and somebody else answered and was giggling and they hung up.. my sister then called my wifes phone and said get off the phone its not boa. In fact my phone was hacked.. I called boa and filed a claim. A week later I received a letter from boa stateing, XXXX, unfortunately, were unable to approve your recent claim I reopened it XX/XX/XXXX and explained what had happened to me. I didnt hear anything back yet.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we ordered an item from XXXX. The Item Seller ended up cancelling the transaction and issuing a refund. We got the credit card statement and it showed the item was Paid, and no refund was issues. So, we called Paypal as their company name is on the Credit Card invoice. Paypal supervisor said the Merchant issued a refund on XX/XX/XXXX, just 3 days after the item cancellation. Paypal says the refund usually takes a few days and possibly up to 30 days. Paypal supervisor then said, " We did our job, the money was put back on the card ''. I asked him " then why is there no evidence of a refund? '' He then said, " it can up to 30 days for your refund ''. I questioned him, as he just got done telling me the money was refunded. This supervisor was loud, talking over me, interrupting me and clearly was upset from my questions seeking clarity on the matter. I asked to speak to his Supervisor. This next and last supervisor named XXXX demanded to know my first and last name, so he can Verify the account, this was after i already Verified the account with the other supervisor and the agent before him. I told him my first name and told him i am tired of all the games, as i already went through all this before. He continued to speak over me and be argumentative, so i hung up and am filing this complaint. ALL CONVERSATION WITH PAYPAL HAVE BEEN RECORDED AND MAY BE USED IN A COURT OF LAW.
Product: Debt collection

XX/XX/2022 my Drivers License was suspended due to a debt of a little over XXXX dollars for an old accident. I was never notified I was getting sued. They had wrong name and addresses when I was sued and license suspended.
Product: Credit card

XXXX sent me an email about a new inquiry on my account. I have not applied for anything new cards so I checked this immediately. The new inquiry was for Bank of America credit card. It said location of XXXX XXXX Texas through XXXX credit. I tried to call fraud through discover and was disconnected. So I called experian credit to dispute the inquiry and they submitted my report. Then I called Bank of America fraud and asked them about the account, it was a limit of XXXX dollars and no charges have been charge yet. The application was sent through at XXXX on XX/XX/year> XXXX They didn't use my email or phone number but applied with my home address, ssn and birthday to get this credit card. They lady at Bank of America Fraud Department, XXXX canceled the account and said they will be mailing me paperwork to fill out and that will take the hard inquiry off of my credit report.
Product: Money transfer, virtual currency, or money service

I was approved for a loan from XXXX XXXX through covered care powered by Westlake portfolio management. I was supposed to be issued a refund, 10-14 business day from XX/XX/2023 in the amount of {$900.00}, for services not rendered. I have called multiple times over the past few months and I have yet to receive any correspondence from them or my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

i LIVE at   XXXX   XXXX   XXXX  in  XXXX   XXXX  i got laid off  XXXX . i contacted the  apt immediately to f ind out when my lease has up and to submit my 60 day notice to leave. i moved. i received a letter from iq data saying i owe  XXXX  i called iq data they would not help so i went to   XXXX    XXXX   and t hey did not help either. I went to the city of   XXXX   XXXX   c  ourts and was advised  XXXX  filed on eviction on me. they gave me a copy of the paperwork. i send that ( along with the other paperwork i got from  XXXX  explain wy i owe them so much ) to the  XXXX  credit bureaus for help. the  XXXX  bureau completed investigations ( at leave  XXXX  investigation each  ) but t hey are saying the information has been updated as accurate. I have even called the  XXXX  bureaus and nothing is happening. This month I was told by iq data that they know its not right and  i may o we  XXXX . I did not agree with that. I even offered to pay  XXXX  until the investigation was complete so they would completely remove it from my credit report because  no one will   lease to me and still nothing ... .. I can not get any answers. iq data is still investigating knowing that the information is incorrect. i feel like i this entry should be completely removed from all   XXXX   of my credit report since i have been going through this for at lea st 1  yr. i moved  XXXX , i looked into itin end of  XXXX  ( got discouraged ), did nothing  XXXX  and have been trying to fix it since  XXXX
Product: Mortgage

Hello, XXXX release - payoff letter from Fifth Third bank My husband and I took out a loan in XXXX with XXXX XXXX XXXX XXXX  in XXXX. XXXX XXXX  failed, XXXX XXXX assumed then Fifth Third Bank took over. Our loan was due in XXXX. We have never received pay off paperwork from them. For over a month now I have been trying to get a pay off - lien release anything from this bank to close on the parking spot as a developer came in and bought the entire building. My funds are currently being held in escrow until documentation is received. We are calling fifth third bank with a different representative each time saying someone will get back to us to no avail after a month of calls and a fax. The law firm and new buyer are waiting on this document. We are needing help. No one at the fifth third bank or a local supervisor in the bank know what to do. Since the loan is over 7 years they keep telling me 5 days but this is over a month. 

We are not customers of Fifth Third Bank but due to them assuming the loans from the failed bank XXXX XXXX XXXX  it falls under their jurisdiction. 

Can someone please help us get this payoff release so we can close out on this bulk sale. 

Thank you XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased my home in 2006 from XXXX XXXX XXXX. XXXX sold my mortgage to Nationstar. Everything was fine as far as I knew. I was told by nationstar I could lower my current mortgage payment with a low rate refinance. So, I refinanced my mortgage. My mortgage briefly changed, not much, then went back up. I called and inquired why. I was told my escrow with XXXX was not enough to cover current escrow when I refinanced. Never heard this before and I asked about my equity from my house and was told they used it. I never agreed to that. I was mislead, tricked and misinformed intentionally. After 10 yrs from a XXXX mortgage, after refinancing with Nationstar, I still owe XXXX. My mortgage was lower before I refinanced. I requested a copy of my refinance papers and they never sent it. I never went to the bank they sent travel notaries to my house. If Nationstar purchased my loan, why am I being penalized from their purchase from XXXX. I did n't choose them. What can be done?
Product: Vehicle loan or lease

In XXXX of XXXX I financed a XXXX XXXX XXXX through Exeter Finance. 3 years later and much research i have found that was the biggest mistake I ever made. Back when Covid hit in XXXX closing down things and money became tight ; I reached out to them to refinance my loan as a lower rate due to i had been making payments timely. They denied me and told me they do not refinance. The orginal loan amount was XXXX and as of today the value is XXXX but to pay off is XXXX. My bank has made to attempts to pull me out of this loan but for the vehicle is not worth what they say I owe as well as the refuse to send me itemized proof of how my payments are being paid. The last straw was when I found out they have been harassing my children. XX/XX/XXXX My XXXX old was at work and received a call on her cell phone and was completely thrown calling me at work. Mind you i had just spoken with company on 2 days ago on XX/XX/XXXX about trying to receive information on how my payments are being applied. I have been asking since XXXX with know luck. My oldest daughter of XXXX then informs me, moma these are the same people whom have been calling me so much i had to block their number but then they started calling from another number. My kids numbers have never been released to them nor were they placed on my contact list at the time of purchase they were minors at the time as well as I don't use my children 's information on loans. I called them immediately and they back trailed and accused me of calling from my children phone and they saved the number at which time I told her my daughters have XXXX phones which I don't know how to use. I have an android not to mention I have never used my children 's phone to ever reach out to them because I have my own cell phone as well as my house phone which is what I use. These people have been sued for unfair loan practices just a couple of years ago and they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX not mine XXXX XXXX US BANKRUPTCY COURT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) 5XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : 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

Subject : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. The inaccurate information is negatively affecting my credit profile, and I request that it be corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Error : " This account is inaccurately reported as Collection, however, I have no knowledge of this creditor or account for the amount of {$680.00}. Reported opened XX/XX/year>. 

Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of this matter and remove or correct any inaccurate, incomplete, or unverifiable information. Please provide me with a written response confirming the results of your investigation. 


If the disputed item can not be verified, I request its immediate removal from my credit report. Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is remaining inquiry that is reporting on my Credit Report : XXXX NA Date of inquiry XX/XX/2021
Product: Debt collection

Without notice, explanation, or consent, FedLoan Servicing placed my loan into forbearance status. It then unlawfully added capitalized interest that was not owed to my principal balance without notice or explanation.
Product: Mortgage

JP Morgan Chase reported the final mortgage payment from a new refinance company was delivered one day late ( XX/XX/XXXX ). I have attempted to resolve this multiple times directly with Chase XXXX XXXX since XXXX. Chase has continued be deceptive and uncooperative I recently consulted with the XXXX XXXX XXXXe XXXX XXXX XXXX for documentation which it turns out Chase had in their procession but did not acknowledge. 

The documentation I received from XXXX XXXX was provided by myself to Chase XXXX XXXX on XX/XX/XXXX. Chase XXXX XXXX number XXXX XXXX. XXXX XXXX and XXXX XXXX of Chase were assigned to respond but phone calls confirm they will not correct the error. 

Documentation attached is as follows : Attachment A - Chase Home Mortgage Instructions to Loan Depot stating pay-off to be received by XX/XX/XXXX and would be considered " on time. '' Attachment B - Loan Depot correspondence delivering the payment to Chase Home Mortgage as a disbursement on or before XXXX  XX/XX/XXXX. XXXX XXXX confirmation that the refinancing was closed on XX/XX/XXXX. Chase simply did not process the payment into their records until the following XXXX XX/XX/XXXX continues to punish the consumer by including internal processing time in their credit reporting automated systems. This violates FCRA regulations and ignores actual written documentary evidence provided. 

Chase was in procession of this documentation during previous complaints including the following CFPB Cases XXXX, XXXX, XXXX, XXXX, XXXX but hid or ignored the information and continues to refuse to correct the record. See Attachment C summary. 

Further, during my last attempt to ask Chase XXXX XXXX to resolve this mistake, an apparent retaliation was purposely or inadvertently done by Chase. Another later report against this account, closed over 5 years prior in XXXX filed with the credit bureaus by Chase, likely in response to CFPB report XXXX I filed on XX/XX/XXXX. Reference Attachment D. This error was corrected but Chase did not acknowledge its responsibility as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 4 bankruptcies on my report that I have been dismissed a long time ago. I have sent multiple validation letters to them requesting to send me who've they verified these accounts with so I can follow up with any third parties as well. Equifax have failed to send me their method of verification process. I have sent them 8 letters since XXXX of 2021. I've included the letters I have mailed to Equifax.
Product: Debt collection

Spring Oaks Capital  placed a collection account on my credit report for {$1200.00} from XXXX XXXX XXXX XXXX I asked them to send me proof of ownership in the form of a purchase and sale agreement, or an assignment of an alleged contract bearing my name. So far I hae not received any response.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being. 

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions. 

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.
Product: Debt collection

I noticed this account on my credit report with XXXX XXXX XXXX XXXX. I have no idea what this is and how it ended up on my credit. I disputed this XXXX x to XXXX, XXXX, and XXXX. XXXX  verified that this was not my account and that the company did not respond in time and they deleted it from my report. Well XXXX and XXXX keep coming back saying it is verified because my name matches what the company has on their automatic report. This is not valid proof of the debt and is violating my rights to continue to have this on my credit report when it is not my account and is not being accurately verified.
Product: Debt collection

This is my XXXX or XXXX time I have requested documents concerning an account from XXXX XXXX # XXXX I have never done any business with this XXXX XXXX collections company nor have they providing me with any services. Please delete this unverified account at once. I have filed a report ( see attached ) and I wish them ( XXXX XXXX XXXX ) to cease and desist all contact with me concerning this debt.
Product: Debt collection

On XX/XX/XXXX, I received a called from the Pentagon Federal Credit Union, Confirmation/Declaration of Loss Department. I was told that they had a check in the amount of {$1500.00}, dated XX/XX/XXXX. I was e-mailed a form to signed and return. I was given the options to Deposit in Account, Reissue Check or Other. I checked tReissue Check. When I inquired about the check, I was told that they were behind and would get to it as soon as they can. After about a month or so, I contacted them again, and was told the money was deposit in my account. I was used to make payments toward my delinquent two credit cards. That was not what I checked on the form. Payments plan was already in place to what I could afford to pay. I had an allotment being deposit in my saving via direct deposit. I lost my job and was unemployed. I put in for Hardship, but was denied. I spoke to the Branch Manager at the site located in XXXX XXXX, Virginia. She spoke to her manager and he refused to return the money. A law firm wrote the Pentagon Federal Credit Union a letter regarding Bad Debt Collection on my behalf. The check was deposited without my signature. Although, I paid what I could afford to pay, as a retaliation, they sold my two credit cards to two collection companies.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX XXXX XXXXXXXX