23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credence Resource Management LLC reported false and inaccurate information regarding an alleged debt to two major credit reporting agencies. The company reported this information before attempting to contact me with the option to verify or dispute. On XX/XX/2023, I initiated communication with the company by certified mail and email. In my communication, I specifically requested documentation to allow me verify and validity of the alleged debt. The company failed to respond to my initial dispute and failed to provide me with any information to verify. Furthermore, Credence Resource Management LLC continued to report this information to credit reporting agencies, which resulted in damages of my reputation, and credit profile. I am aware Credence Resource Management LLC illegally obtained my private information and breached their privacy policy by reporting without my explicit consent.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 
15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. These items have failed to be verified. I would like to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On the morning of XX/XX/2019, I deposited a check for $XXXX at Bank of America in XXXX, Florida. The check was issued by XXXX XXXX XXXX and drawn on an escrow account at XXXX. The payment were the proceeds of the sale of my residence. It was noted that the power was out in part of the Bank of America branch and the branch manager asked me to present the check in the external ATM.The receipt indicated the check was subject to a hold for as much as nine days. I called Bank of America and spoke with an individual indicating the check just came in and will possibly clear in two days. He suggested I call back after close of business on XX/XX/2019 regarding availability of funds. On XX/XX/2019, the check cleared XXXX XXXX XXXXs account and funds were made available to Bank of America. Despite funds being made available to Bank of America, they continued to hold the funds from my use.On XX/XX/2019, XX/XX/2019, and XX/XX/2019 I contacted the bank and received various conflicting stories as to the hold. Despite the check clearing the XXXX XXXX  account, Bank of America continue to hold the funds without a valid purpose.On XX/XX/2019, I contact Bank of America and advised the funds were held as Bank of America systems reflect numerous returned checks from the XXXX XXXX XXXX. I immediately contacted XXXX XXXX who denied any returned check and provided evidence that the subject check cleared their account on XX/XX/2019. Bank of America representatives indicated that the reason funds were held was based on "reasonable cause to doubt collectibility." However, this claim is fundamental flawed given the check had cleared and Bank of America had already received possession of the funds.The Expedited Funds Availability Act requires financial institutions to notify the consumer of the purpose of holding funds for an extended period. Given Bank of America's erroneous and possibly fraudulent allegation of cause to hold the check, Bank of America violated the check clearing regulations. They failed to pay interest on the erroneously held funds. Moreover, Bank of America deviated from FDIC rules C12 and C14, notifying me in writing for the purpose of the hold and failing to make part of the funds available.
Product: Credit card

My name is XXXX XXXX I had a 5.9 % fixed interest rate on my credit card before Bank of America bought it out. The 5.9 % fixed rate carried over when Bank of America took over until recently they changed me to a higher and variable rate without my consent and for no other reason. I have great credit. 
PS When I first spoke to a representative about this he stated that my rate had changed due to Government rate changes. This is when I knew that I no longer had the fixed rate. I then asked if there were any one receiving a fixed rate and there are. Therefore I requested that my rate be changed back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and I found 5 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 


1.XXXX XXXX XX/XX/XXXX 2.XXXX XX/XX/XXXX 3 XXXX XXXX XX/XX/XXXX 4.XXXX  XXXX XX/XX/XXXX 5XXXX XXXX XXXX
Product: Consumer Loan

The Company filed suit in magistrates court, they never showed up for court on XXXX different times and i won a summary judgement in my favor, however this lender still reports to at least XXXX and XXXX. The judgement was entered XXXX XXXX, yet this company has reported to the credit agency as recent as XXXX XXXX. of this year XXXX!!! And they have notice from the court that they lost the case, i know this because the court clerk put a post note along with my notice that she sent them one.. They are willfully thumbing thier nose at me and the law!!!! In this case the Court.. They are slandering me and i have already been denied credit thanks to thier reports to XXXX and XXXX, ,Can you help me please???? Can you help in recoving damages from them??? Thank You!!!!! I never app ; ied for a loan with them!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXXXXXX XXXX IL XXXX XXXX XX/XX/2017
Product: Vehicle loan or lease

My problem has been with BMO Harris Bank. I have paid off my loan over a month ago and they have not sent me my payoff letter. I called and went through the channels and requested it from them. They had deleted my account online so I could not get the letter from their online portal like I am supposed to. So they said they would send me the letter so I could get my title. After a week they sent me what I thought was the letter, I went to my secretary of state and they informed me it was a statement they sent me not a letter. I called back to get an immediate letter sent to me as I needed to get the letter in order to sell my car to the dealership that has it. They said they would send it to me within the day by fax, they still have not. I called back and they said I don't even have a request on record. The people refuse to transfer my call to the correct channels, they keep making promises and don't follow through, I now I have my car at a dealership waiting for a letter that I don't know will ever come.
Product: Mortgage

I WAS CHARGED {$1000.00} FOR A TAX AMOUNT AND PENALTY BY MY COUNTY ASSESSOR. {$540.00} WAS FOR THE PENALTY. {$490.00} WAS FOR THE TAX BILL. i ENDED UP PAYING FORTHE ENTIRE AMOUNT. i CONSTANTLY WAS IN TOUCH WITH THE COMPANY THROUGHOUT THE PROCESS REGRARDING WHAT WAS REALLY OWED. FIRST OF ALL THE ASSESSORT SENT IN THE WRONG AMOUNT TO BE PAID, WHICH THEY PROMPTLY DID. FROM THEN ON I CONSTANTLY URGED THE COMPANY TO PAY THE CORRECT AMOUNT. 
THEY DIDN'T. HENCE I WAS CHARGED THE PENALTY. THIS SHOULD BY PAID BY THE COMPANY AND NOT ESCROW. THE REST SHOULD BE PAID OUT OF THE ESCROW ACCOOUNT. 
THE COMPANY ALSO BEGAN CHARGNG MED {$100.00} MORE FOR MY MORTGAGE I HAVE NOT BEEN ABLE TO ACCESS MY RECORDS. THE COMPANY SAID THEY WOULD CALL IT, BUT IT NEVER HAPPENED. i AM VERY UPSET ABOUT THESE EVENTS. AND DISAPPOINTED IN THE COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the three credit bureaus XXXX, Equifax and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. Equifax is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : XXXX XXXX
Product: Credit card

XXXX of XXXX Self Inc. charged my account for the annual fee. I am a United States XXXX and I was XXXX during this time. I did not have access to my phone or account. I was only 30 days overdue. They did not forgive the charge despite bringing the account current or that I was XXXX. I should be protected under SCRA for this. I am also trying to buy a house for my wife and newborn child. But because of this late charge it tanked my credit ( XXXX ). When I contacted Self Inc. they did not help or makes any accommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

After XXXX years of being together, my partner XXXX and left me with this hardship. I want to continue living in my house ; however, the servicer of the mortgage basically refuses to help. My loan at origination was a XXXX XXXX insured mortgage. In XX/XX/XXXX when my partner refinance our house, it continued to be a XXXX XXXX insured mortgage. Earlier this year I had my mortgage servicer, XXXX, process my application for the XXXX XXXX Refi ; however, while awaiting a determination, XXXX ( or whomever ) sold my mortgage to an investment pool and switched servicing of my mortgage to Selene Finance. Although my mortgage no longer shows up in XXXX XXXX 's database as current, per se, it is still insured by XXXX XXXX and the servicer has to follow the servicing guidelines. 
Selene had told me that they acknowledge that XXXX was being processed as a XXXX XXXX refi ; however, they will not be processing anything as a XXXX XXXX. They claim investor 's are not subject to servicing guidelines. 
Although I am fully aware that this agency can not tell a servicer ( unless its a XXXX ) which foreclosure mitigation options they must offer, your recent rule amendments in XX/XX/XXXX indicate that services must provide comparable foreclosure mitigation options ( and that you look at XXXX 's as the standard ). 
After Selene informed me they can offer what service foreclosure mitigation options they want and wont follow XXXX, I asked what foreclosure mitigations do they have? Are there any options that exists that is similar in nature as I want to keep my home? No meaningful information was forthcoming. 
Moreover, I asked if there was anyway I can view these foreclosure prevention plans that they do offer - I even asked if they publish it anywhere, including online. They stated no, they do not have this information available to provide. 
These actions are in non compliance with the rules of regulations under your authority. I am about to lose my house as a result of businesses being allowed to run amok to the detriment of citizens like myself. Unfortunately for me, I am a long-term, XXXX XXXX and XXXX, and I will impacted more severely as a result. 

No meaningful action has been taken by Selene regarding my hardship and the obligations required upon them. 

Lastly, I am attaching a copy of a Securities instrument proving that my mortgage is still insured by XXXX XXXX. My loan # with Selene Finance correlates with the Securities instrument attached issued by XXXX XXXX proving my statements. 

Please help.
Product: Debt collection

I was recently denied a credit card and when I reviewed my credit report I saw this fraudulent account on my credit files. I have never conducted business with the company reporting this debt LJ ROSS Associates XXXX XXXX {$1900.00}. This account is not mine and I have notified the credit bureaus that this account is fraudulent.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SoFi Bank regarding the non-receipt of a promised promotional bonus. When I opened my checking account with SoFi, I was offered a {$300.00} bonus for setting up a direct deposit of {$5000.00} or more. I have met this requirement, yet I have not received the bonus that was promised. 

My friend, who opened an account via the same promotional offer around the same time as I did, received her {$300.00} bonus a few days after her direct deposit of {$5000.00}. Despite meeting the same conditions, I have not received my bonus. 

I have contacted SoFi Bank multiple times to resolve this issue but have not received any satisfactory response or resolution. This situation is causing me significant frustration, as I fulfilled all the requirements of the promotional offer and expect SoFi to honor their commitment. 

Desired Resolution : Immediate crediting of the {$300.00} bonus to my account, as per the terms and conditions of the promotional offer. 

Confirmation from SoFi Bank that this issue has been resolved and that I have received the bonus I am entitled to. 

Thank you for your attention to this matter. I look forward to your prompt assistance in ensuring that SoFi Bank fulfills its promotional commitments. 

XXXX XXXX XXXX
Product: Debt collection

FAIR COLLECTIONS AND OUT is in violation cra inaccurate information put on my credit id theft and po report sent to all major company
Product: Vehicle loan or lease

Vehicle lease with XXXX XXXX for 30,000 miles. Returned vehicle with 28,000 miles. Sent a {$400.00} threatening bill for excess tire wear, missing key, and late return. 

After two calls, XXXX XXXX admitted the missing key and late return were incorrect charges and removed. However, they will not remove or allow challenge for the excess wear, repeatedly threatening continued calls, letters, and damage to credit. 

Bottom line : XXXX XXXX falsifies end of lease charges and bullies consumers into paying them.
Product: Credit card or prepaid card

I filed a dispute with XXXX over an item I received that wasn't working. Company agreed to give refund. I ask XXXX if I can refund the entire purchase amount since the only way I could get the computer to help with a non-working item was to file a dispute. XXXX agreed that it would be a legitimate claim. I asked the retailed for a prepaid return label. They sent me one. I mailed all the items from order back to company and sent XXXX the tracking information. After the retailer got the return package, XXXX denied claim. If I were a betting person, I would bet that XXXX is siding with XXXX government on this one and since I already paid off purchase, I have lost the cost of the goods and have no goods and it is a result of the company not sending a working printer in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX, XXXX, and Experian. As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.
Product: Credit reporting or other personal consumer reports

My credit was used unlawfully without my knowledge. I did not approve of the inquiries
Product: Credit card or prepaid card

I applied for Bank of America Cash rewards card in XX/XX/XXXX reviewing the benefits, terms and conditions of the card. One of those benefits listed in the credit card offer included : " Auto Rental Collision Waiver Benefit ''. I called in XX/XX/XXXX to use this benefit and was told by Bank of America agents that this benefit is no longer active on my account. After inquiring into further detail between various departments. I was told this benefit was removed from my account in XX/XX/XXXX because this benefit was no longer being used. 

I find this to be an unfair and deceptive practice by which the Bank proceeded to remove a benefit that could only be used as necessary and within 6 month time period. 

Additionally, they removed a benefit and I did not receive communication to this notice or given a choice to end this credit card use and or offer alternative options. I also do not know whether this benefit ended specifically for my card or everyone. 

I made a rental car reservation and used this card for this benefit and declined any coverage offered by the rental company based on the information I had this card would include a benefit should I need it. Now I'm responsible financially for this rental car. 

they seem to select and chose which card this benefit appears to be included now. I don't have the copy of the original terms but attaching one from a similar card I found.
Product: Vehicle loan or lease

They lied about my interest rate, and they falsified my credit score. They stated my credit score was XXXX on XX/XX/year> from XXXX. That is a lie. I logged on to XXXX and looked at the date XX/XX/year> and they show my credit score was XXXX. I have a screen shot from the date to prove that they falsified the results.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to dispute information on my credit report. 
This information, in my credit inquiries from this companies : XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX  XXXX XXXX on XXXX ; AMEX, XXXX on XXXX ; XXXX OF XXXX, inquired on XXXX ; XXXX XXXX NA, inquired on XXXX ; XXXX, XXXX on XXXX ; XXXX XXXX XXXX XXXX XXXX on XXXX ; XXXX CARD, inquired on XXXX ; XXXX XXXX XXXX, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX BANK, inquired XXXX XXXX ; XXXX XXXX inquired on XXXX ; XXXX XXXX, inquired on XXXX ; XXXX XXXX, inquired XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX BANK, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX XXXX, inquired on XXXX ; XXXX XXXX XXXX, inquired on XXXX XXXX XXXX XXXX inquired on XXXX ; XXXX is inaccurate because I did not request credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/year> I contacted XXXX at approx. XXXX XXXX. about a breach on my account showing several charges from a XXXX debit card ending in XXXX that was opened in my name. All of the charges were made in XXXX. In addition, XXXX sold my XXXX shares in the amount of {$900.00} without my knowledge or authorization. The agent opened a file to dispute all charges including XXXX in the amount of {$850.00} that was declined and not processed minutes before they sold the XXXX shares. 
The agent then turned me over to another agent who assured me that no other transactions would be processed, and the XXXX sale would be refunded. On XX/XX/year>, I received an email from PayPal denying my case based on their review stating they found the XXXX transaction to be consistent with my payment history. I wrote to PayPal requesting documentation used in their investigation and have not heard from them. Basically, they are blaming me and through other conversations with them, asking if a family member has access to my account and if I have any XXXX devices. Emphatically, the answer is no on both questions.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Can you check the documents? There are inaccuracies in some listed accounts regarding the reporting, amounts, and dates.