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

Spoke with a representative at Discover and was instructed my credit report would not report a late payment and would report as paid on time. This was in XXXX of XXXX. I was experiencing covid and due to my inability to work was going to be late on my bill that month. Despite being on time with all my future payments since, I would like to request that Discover honor they're customer service and remove the late payment. I promise to continue to pay on time, thank you for your business and assistance.
Product: Mortgage

I obtained a mortgage from my local bank in XXXX of XXXX. I had 20 % down and chose NOT to have taxes or insurance escrowed. I have the " waiver of escrow '' paper from my closing documents. Around XXXX of XXXX my local bank sold the loan to BSI Financial. On XXXX XXXX of XXXX I received an " annual escrow account statement '' showing that BSI had paid the taxes on the property for XXXX and were increasing my mortgage payment to cover the, now short, escrow account. I have called multiply times to try and resolve the issue. I asked for a written statement of why BSI paid the tax bill and for them to send me a bill so I can pay them back. I did not want an escrow account and I feel like it could be some kind of scam that they went out and paid a bill not due to them and are now trying to get me to reimburse them. I told the representative that I will continue to pay the monthly payment I had agreed to on my mortgage contract. She stated that the difference will be " past due '' and I will be in default and at risk of foreclosure.
Product: Credit card

When I signed up for the American Express Premier Rewards card, I was offered XXXX membership rewards points for a spending of {$2000.00} in eligible purchases within the first 3 months of the account opening which should be before XXXX/XXXX/2016. 
I completed the spending requirement of {$2000.00} in eligible purchases on XXXX/XXXX/2016 but I still have n't received my bonus offer points. After chatting with an American Express representative named XXXX through the American express online chat on XXXX/XXXX/2016, XXXX at first told me that I did not meet the {$2000.00} requirement. But after he and I went through all the transactions, he confirmed that I made over {$2000.00} in spending of eligible purchases.
Product: Mortgage

Yet once more CHASE BANK is XXXX me after I have done what they asked of me and that is sending in over {$1300.00} month for three months on another trial modification they told me I qualified for. NO I could never qualify for a mod under the " Making Home Affordable Plan ''. They knew I could n't qualify and expected me to commit perjury by signing a document that states I own not more than XXXX properties. Now they say I do not qualify after they have been given all of my documents. They are nothing but crooks. Please help me. Now they say I have to yet again apply for another modification, an in house CHASE modification. It has been 7 1/2 years of pure XXXX. PLEASE wo n't you help me? They do not abide by the law.
Product: Payday loan, title loan, or personal loan

It started on XX/XX/XXXX! They took out {$370.00} for the first payment and after its every other week! The interst is so high that it is not fair to the comsumer! They are also using a retail name that they are not associtated with!
Product: Debt collection

XXXX PORTFOLIO XXXX Original creditor XXXX XXXX Balance {$1400.00} Balance updated XX/XX/year> PORTFOLIO RECOV ASSOC Original creditor XXXX XXXX XXXX XXXX. 
Balance {$1900.00} Balance updated XX/XX/year> PORTFOLIO RECOV ASSOC Original creditor XXXX XXXX XXXX Balance {$580.00} Balance updated XX/XX/year> these three collections are on my credit report due the fact that the agency has fraudulently made up and agreement to pay the debt which I did not. I have not made an agreement nor will I ever work with the collection agencies. I would work with the original creditor directly. the original creditors have already removed the debts from my records it's been over 7 years. The collection agencies threatens to keep putting negative reports on my credit report. All dates have been done this month.
Product: Mortgage

My mortgage company has escalated my file to foreclosure when I was told that it was in review for the last 4 months. Also, my home was involved in a fire loss and my mortgage company is also holding the monies for the repairs while they escalated my file to foreclosure.
Product: Checking or savings account

Webster Bank allowed {$150000.00} in forged checks at a local branch without questioning the sudden change in banking habits of my elderly uncle. He was XXXX years old and never withdrew large amounts of money or wrote checks in large denominations. We have unsuccessfully been able to get Webster to reimburse the funds. The person responsible for the theft was arrested and prosecuted but the bank is not responding and Branch Managers are not helping us. The letter to the President of Webster bank remains unanswered as do our calls and questions. 
I have attached the letter to Webster Bank and copies of some of the forged checks that the Branch gave the police dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I have an identity theft affidavit attached with all the fraudulent accounts and hard inquiries. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. Thank you.
Product: Debt collection

XXXX XXXX ( property management company ) reported I had an unpaid debt from an apartment I lived in almost two years ago. This had to do with pet damage and payments were made to the office. No invoices were provided and no verification was provided that debt was paid in full. When I attempted to contact the management at the apartment complex after payment to inquire about the final payment, I received no return call or return email. I NEVER received an invoice in the mail or notification that this debt was not paid. The apartment complex was XXXX XXXX in XXXX, KY and I understand that the management company no longer manages the property. 

After being contacted by Rent Recovery Solutions and told that I had a collection of {$1000.00}, I contacted XXXX  XXXX to speak with the management about the matter. I was informed that XXXX no longer managed the property and I would need to contact Inland directly - which I did. I called and spoke to someone about the claim and she stated someone would call me back to discuss - which they never did. 

Being that this occurred so long ago, my daughter and I have tried to find the various sources of payments we made. This accounted for almost {$600.00} of the debt ( not counting the check my daughter wrote in my presence and handed to management which they NEVER cashed. This information was submitted to XXXX. I have attempted to contact them again via email and by telephone numerous times and have left at least 3 voicemails. This dispute is now showing on my credit and I want to make sure it goes no further. This is showing on both mine and my daughter 's credit in dispute. I work for a mortgage company and I know what something like this can do to my credit score. We moved out of our apartment in XX/XX/2019 and the payments were made through XXXX. The new management at XXXX did tell me that they have had numerous complaints from others in the same situation with regard to the old management company. 

All I want to know is that this matter is not going to report as a collection. In talking to Mrs. XXXX at Rent Recovery, she gave me two wrong email addresses to send my documentation to and now that I finally had it submitted, I now can not get hold of her or anyone to tell me what is going on. Please help me find out what is going on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report, which has negatively impacted my financial standing. Under the Fair Credit Reporting Act ( FCRA ), I request a thorough and fair investigation into these inaccuracies. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against TransUnion, citing improper investigation practices, including : Conducting inadequate investigations that fail to properly address consumer disputes. 
Reintroducing previously disputed and inaccurate information without justification. 
Failing to effectively notify consumers of investigation results. 
These serious concerns make me question whether my dispute will be handled fairly. The errors on my credit report have significantly affected my XXXX XXXX, which I worked hard to maintain above XXXX. 
Disputed Information : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I. ] My Rights Under the FCRA : As required by law, I request that you : Conduct a thorough investigation into my dispute.

Provide a clear and detailed response regarding the results of your investigation.

Supply any documentation relied upon if the disputed information is verified as accurate.

Promptly correct or remove any inaccurate or unverifiable information from my credit report. 
Requesting that my score be restored to its rightful level. And the hard XXXX pulled on my account deleted immediately, I never sign any consent for that. 
If the disputed information can not be verified or remains inaccurate, I demand its immediate removal or correction. Additionally, I request written confirmation of the actions taken regarding this matter. 
Should this issue remain unresolved, I am prepared to escalate my complaint to the CFPB and other relevant agencies. I expect a response within the legally mandated XXXX timeframe. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of several accounts on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681 ( 5 ), all information on my credit report must be 100 % accurate across all three credit reporting agencies. Any discrepancies or inaccuracies must be corrected, or the account must be removed from my report. 
The following accounts have inaccuracies that I believe are in violation of these statutes : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I request that these accounts be reviewed and updated to ensure that all information is accurate or, if necessary, removed from my credit report. Should you fail to address these inaccuracies within 30-45 days, I will proceed with legal action to seek {$1000.00} in damages for each inaccuracy on my credit report. 

Please confirm receipt of this letter and inform me of the actions taken to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I paid off the lease in full on XX/XX/2018 and was advised that I should receive the the title in 4-6 weeks. I contacted the company on XX/XX/2018 to inquire about the title and they said I should have received it no later than XX/XX/2018 and if I had any additional questions to contact the title department. Every time I try to contact the title department there is an extended hold and I am told to call back. I have NEVER been able to speak to the title department and still have not received my title. I did not receive my title and waited an additional week prior to calling again. On XX/XX/2018, I contacted XXXX again and was advised that I needed to call back because they could not get through to the title department. I requested to speak to a supervisor and was placed on hold for 25 minutes and still did not get any additional information. I want my title!
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidently your agency is a sham because you NEVER address or repair the issues. You allow the business to dictate their terms placing me and others in financial bondage via incorrect or incomplete information. I could not find out the disposition to a collection agency report on my file that I was never informed they were attempting to collect. A fdca failure. Secondly wrong information on file. I gave opened complaint with Try gen state of Florida dispute almost a year and a half old.nexrlt even though this company claims I can add my own comments they do NOT ALLOW and only offer their canned responses. We are kept in complete financial bondage. Last they will not provide credit score. On line does not work not auto system. Also cfpb you never correct rejection of last 4 social security entry and email issues. It speaks loudly to who you are! " The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) ''
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a bankruptcy account with the account number 2040288. I believe that this information is in violation of federal law, as outlined in 15 USC 1681.

Upon reviewing my credit report, I noticed that the bankruptcy account mentioned above is listed, and it is inaccurately reported..

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false bankruptcy information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX  account ( Account XXXX XXXXXXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information.

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner.

Sincerely,
Product: Checking or savings account

From the 2 previous compliant, I received communication from the bank ( TD Bank ) that the funds on hold needed to be claim by the maker XXXX XXXX XXXX ) of the check, therefore they wanted the maker to file a claim. Please see attached. And the maker of the check reply by stating that we needed to take it up with the bank ( Td Bank ) or the US treasury as the check had already clear their account and they could help me any further please find letter attached. Therefore we are still in a back and forward situation with no funds to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been paid for my XXXX card balance. I have mailed a check per their request and they have cashed it on XX/XX/23. They refuse to update the account to the creditors and still reflect this balance. I have called them over 20 times. No one answers because their automated system will only recognize open accounts. Their chat agents refuse to help. Routing me to the same numbers. This has been preventing me from buying my first home.
Product: Consumer Loan

I had an auto loan with Bank of America. That auto loan was fully paid-off in XXXX of 2016 -- no dispute on that fact. 
In XXXX we have an " electronic title '' system, where once a lien is fully paid-off, the lender ( BofA in this case ) is obligated to then release the title to the State of XXXX, who then ensures that the XXXX DMV has a record of the title being free of encumbrances. At that point, as the owner of the vehicle ( free and clear ), I am supposed to be able to go process a sale of my car with little effort, again, since the XXXX DMV should now have the clear title in their systems, ready for transfer. 
It turns out that for whatever reason in my case BofA failed to release the title. The XXXX DMV still shows the lien recorded against it, and BofA, when contacted admitted " Oh, yes, we can see that the release was never completed. '' The problem I am facing is that I am moving from XXXX to XXXX next week, and as part of that process it is essential that I sell my car ... i can no longer do that because I do n't have the title. And because BofA will take 7-10 business days to process the release ( again, a release that they were supposed to process 9+ months ago ), and the XXXX systems take 7-10 business days of their own to update once the release is received form the bank, I am left to wait out approximately a month before I will have access to the title I should have access to today. 
The impact for me is that I guess I will need to reschedule my movers, my home sale and my transportation across the country -- seemingly thousands of dollars of impact. And thus far the response from BofA has been " yeah, sorry about that. '' In particular, I took note of the comment from the Customer Service Supervisor when I was asking how this could have happened in the first place and why the bank never caught the problem until I called. He told me " we do n't have any process to check if the release actually occurs. And we do n't have any staff that is assigned to follow-up on that. '' They actually just wait for their clients to catch it and then it is our responsibility to follow-up, figure out what has happened, and in my case at least, be left with the huge financial impact of their failure. That seems like a massive failure of internal policy -- I am not sure how it is even possible this is legal -- they are single-handedly denying me the ability to dispose of my property. Is n't that theft? 
What a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH XXXX for National Credit Systems about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. XXXX claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for XXXX. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). XXXX wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and NATIONAL CREDIT SYSTEMS HAVE NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complete Identity theft report # XXXX and XXXX, Equifax and XXXX have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.
Product: Debt collection

I do not know who this collection agency is not have I ever done business with them or been lent any way by this agency for me to owe such debt nor do I agree with this debt on my report as I have never signed anything with such agency. I have told them to not contact me about said debt because I do not owe it yet they still report this debt on my XXXX credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block ) Inc. due to inadequate Customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Our state is on lockdown, we are out of work and sensible auto will not push payments back far enough to catch up after this is over. How are we supposed to make money when the workforce is shut down??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report updated for MONTHS. I have made several calls to Navient, XXXX, I have emailed, I have snail mailed and filed several claim disputes. 

When you look at my credit report from XXXX, it is NOT showing the correct amount of my loan that has been paid off. I contacted Navient about 8 times now asking them to please send XXXX  the correct amount of my loans that have been paid. After contacting the XXXX XXXX XXXXXXXX I was put in contact with XXXX XXXX of Navient who after 2 months has not corrected the information. 

I am attached my latest email where I contacted by Navient AND XXXX at the same time showing in plain XXXX and visually exactly what is incorrect. XXXX XXXX XXXX membership department told me to contact customer service. When I called before Customer Service told me to contact the dispute department who told me to contact the Membership Department.
Product: Credit reporting

I asked for identity verification with Equifax. Even though I submitted an id and my social security number via fax 3 times I never heard from them. When I called they could never find any record. I sent in that information by mail and never hard from them. 
Even though I 've done everything exactly as I had been asked to do I can not get information as to what is in my records.
Product: Mortgage

We have being trying to do a mortgage mitigation with BSI and it has being a nightmare. 
We asked for advice with the Ct Housing Authority and showed them our correspondence. 
The COMMENTS from the staff attorney, XXXX XXXX XXXX, at the Connecticut Fair Housing Center after reviews is : " Right now, BSI 's wrongdoing is hiding the ball on the escrow increase and providing you inaccurate documents. It unfair and negligent '' Her email is attached below.