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

I opened a savings account with BMO on XX/XX/XXXX. I had issues with their online website to access my monthly statement. I had to be paperless or the bank would charge a fee for a statement. I could spend up to XXXX hours on the phone at a time with customer service to obtain access to my statements, so I could print a statement. I put up with this issue for 6 months. It was the last straw when I wanted to file a complaint with BMO about my online access issue, & customer service told me that there was no documentation that I had ever had any issues accessing my account. So XX/XX/XXXX I asked customer service what was the best way to close out my account. I was advised to transfer the funds from my account. Then after the funds posted at my other bank to call back in to close the account. I called BMO to close the account on XX/XX/XXXX. I was told by customer service that I would receive a confirmation letter of the account closure within XXXX business days. Which I have never received. I did receive a check from BMO for {$.00}, which I cashed. I called BMO again on XX/XX/XXXX inquiring about a verification letter. I spent over 2 hours on the phone, to 3 different customer service representatives, which gave me 3 different answers concerning a closure letter or statement. All 3 denied me to speak to a supervisor, or escalation dept., or complaint dept. I have no proof that I did close my savings account with BMO.
Product: Vehicle loan or lease

Capital One account # XXXX never sent a bill of sale, im in the military, I turn the car in, and they are reporting negative info on my credit ( {$12000.00} ) & I want it removed
Product: Credit reporting or other personal consumer reports

I am filing 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. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX Greentree LLC was whom I made my payments too. The hid checks and charged me late fees. I had been trying to do a loan modification.., It took me two years and 8 applications. I finally got a mediator to assist me so they would stop with this deceit. When the banks received the money from the government XXXX XXXX XXXX hid me so deep that I had no IDEA they had my mortgage. In XXXX I became XXXX XXXX. And was XXXX at XXXX Hospital . They called me to collect XXXX XXXX I was short on my mortgage payment. They constantly harassed me. My point is I received a call that there was a lawsuit against them. It was to late when I reported them. The gentleman told me to file a complaint. I now sit with a {$62000.00} deferred balance that should of been forgiven. Being the dishonest company that they were. I challenged it and they told me. It was like driving a car off the lot.. It depreciated when you drive it off the lot. 
I have been sick with XXXX XXXX for 7 years now. And I have finally had remission. I am back on my feet and trying to resolve these issues. 
XXXX XXXX holds my mortgage and Ditech took over XXXX XXXX. That's to whom I make my payments too. 
I am not sure what to do. I know this whole mess is the deceit of a company and their employees who made profit off there collections. 
Thank you and please help me.
Product: Money transfers

I just got scammed, I had received a couple calls from an XXXX XXXX phone number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ) & XXXX/XXXX/15 ( XXXX ) stating I was approved for {$2000.00} and I even asked them and was approved for {$5000.00}, so all I had to do to get my loan was transfer the first payment of {$260.00} through MoneyGram to a XXXX XXXX in IL United States with no account info and would email me the confirmation # when it was transferred into my account and never emailed me a confirmation or text me when the money was in the account ; they ended up calling me back to ask if I was at the MoneyGram location and would help me thru it and I 'd get the money as soon as 30 minutes and as late as XXXX on XXXX/XXXX/15. The whole process took me an hour and half from work. I get a call when I got back to work saying the US government needs me to pay the taxes of {$420.00} ; that they deposited the money into my account but it was on hold from the government until I pay the {$420.00} but I 'll get it back ; I should 've known it was a scam because why would I pay out money if I did n't have money and was borrowing money and then pay out money again then they 'd give me my money, so now I 'm out {$270.00}. I finally went thru my bills last night and totaled up all I have due with store cards and all and it totaled {$4000.00} plus over an {$800.00} water bill from when we had the leak in the water pipe, I had a vet appointment for {$130.00} and I had borrowed the {$260.00} from a friend for the down payment thinking I 'd get the money back right away. I found this website : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My complaint is with Experian. There is a collection with XXXX and I have successfully filed a dispute and they agreed to remove it with all XXXX credit reporting agencies. Only one has removed it despite requesting it and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint XXXX with CFPB. Experian responded that they would investigate. They did not all they did was send me an email with a link to dispute inaccurate, outdated personal information. This is not a dispute. I have never had 11 addresses. So much of the information is wrong I should not have to DISPUTE my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXXXX XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, XXXX acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my Experian Credit Report as a balance owed ( Please refer to the attached Experian Screen shot of my credit report. XXXX XXXX has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and Experian disputing the inaccurate paid debt, which neither has taken action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this Account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting Account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable Account below. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

I recently took a HELOC to re-pay my daughters student loan that I am a co-borrower on. This loan was taken via my XXXX. Upon closing the title company sent me a check for re-payment, which I then XXXX XXXX to Upstart ( the lender ). I have a copy of proof of delivery, as well as the cancelled check when they were paid ( check funded ) on XXXX XXXX XXXX. After 18 calls and no less than 8 e-mails where I provided proof of delivery and a cancelled check, they will still not credit my account and demand the due payments as if I hadn't paid off the loan. With each call they can not give me any information, and only today have they acknowledged an investigation has been opened. I asked for an account pause while the investigation is in process, which they refuse. So after paying of this loan, and having to pay my HELOC, I have to continue to pay this loan or risk damage to my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices.

These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Equifax are disputed as inaccurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i.

Remove the inaccurate late payments for the months listed above from my credit report.

Update my account history to accurately reflect my timely payments.

Attachments A copy of my government-issued ID.

A copy of my Social Security card.

Proof of address ( utility bill or similar ).

A copy of the affected credit report with the errors highlighted.

Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. 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 I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

On XX/XX/XXXX I attempted an ATM withdraw for {$200.00} from an XXXX atm at XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX. I got a message " balance unavailable '' and no money was dispersed. Upon looking at my online account I notice the {$200.00} charge as pending. So with my last money I attempted to get {$10.00} cash back and at that time I was charge twice by XX/XX/XXXX ( XXXX XXXX ). I immediately called Chime and they said that they can't do anything about it. It's very frustrating because I have no other money. It's created a real hardship. This has happened now 3 times to me.
Product: Checking or savings account

I am filing a complaint for Flagstar Bank opening account without my consent, restrict my access to my own account and illegally hold my fund. Here are what happened. 

1 I opened a saving account ( account number ending with XXXX ) with XXXX XXXX when I was living in XXXX  in XXXX. 
2 Flagstar bank purchased that XXXX XXXX branches in XXXX. 
3 I was out of the country in XXXX and didnt see any notice they mailed to me. 
4 Flagstar opened an account for me to take the funds from XXXX XXXX without my consent. 
5 I relocated from XXXX to XXXX at the end of XXXX. Lots of XXXX XXXX branches here but the nearest Flagstar branch is ~500 miles away. 
6 I am trying to get access to my account at Flagstar but their system asks for account number, which I dont have. 
7 I contacted them multiple times, I was told it is their policy not to disclose the account number through the phone, even after verify my SSN, name, address and Date of birth. 
8 I was also told I could get my account number though online banking but in order to login my online account I will have to provide the account number. ( screenshot attached ) 9 I contacted branch ( phone # XXXX ) where my account locates in order to close my account. I was told I will have to either go into the branch ( hundreds miles away from me ) or send them written request with my account number ( again, I dont have ) and notarized signature. I was also told by the customer service that I will be responsible for all those costs ( time, driving, notary etc ) by myself. 
10 Meanwhile, they are putting $ XXXX/month service charge ( statement attached ) to my account that I didnt give consent to open, I dont have access to and I couldnt even find an easy way to close.
Product: Credit reporting or other personal consumer reports

As of my XXXX credit report on Experian XXXX and XXXX. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. XXXX a complaint with attorney general 's office consumer protection as well. XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calling family members. They are disclosing min amounts due. That is illegal. Several famy members have contacted me about this.
Product: Debt collection

This company states I owe {$1500.00} back from 2012, and the statute of limitations has passed. I do not owe them anything.
Product: Mortgage

In have Mortgage with Shelllpoint Mortgage Services and I have notified them multiple times since late payment have been noted on my account. I have sent bank statements, several letters and multiple calls with no response. My account was paid in good faith on time with use of XXXX XXXX which impacted dates payments were reported. The following months include XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The TranUnion reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX card on XX/XX/XXXX, and under account number XXXX, XXXX XXXX card account number XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit card

We are a XXXX XXXX and were told by the store manager that we WOULD NOT BE CHARGED INTEREST on this account which has now been paid off. She told us it was a same as cash offer and said we would receive this incentive for opening the account. Our XX/XX/2016 statement shows they charged us {$230.00} in interest for 2016. Our account number is XXXX. I want a refund check for {$230.00} sent to us immediately. If they do not send our money, we plan to seek legal action. 
Thank you, XXXX XXXX
Product: Checking or savings account

I filed a dispute with my bank regarding two fraudulent transactions that appeared in my bank statement on XX/XX/XXXX. The very next day my claim was denied. I called chime and was told I would be sent an email with the information used to determine the decision. I received an email and it said the company XXXX declined the chargeback. There was no evidence attached to the document. I called XXXX, sent 2 emails and received NO response from them. After doing research online, it is very hard to get in contact with this company but I was able to retrieve a phone number to communicate via text. I contacted XXXX via text messages. They said that I would have to work with my bank to file a dispute. I let them know I did file a dispute and was told that they declined the chargeback. The XXXX rep told me there is NO chargeback for this order. I figured that was the case since Chime declined the claim in 24 hours. I then contacted chime again, the First Lady I spoke with was very rude and even hung up the phone on me. The 2nd person I spoke with sent me a link to attach the text messages to and reopened the case. I was suppose to receive a temporary credit on or before XX/XX/XXXX, I never did. I received an email from chime saying this is the information used in my claim and it was only documents I submitted because the merchant didnt submit anything. I then contacted the merchant again and they confirmed with the order number that their is no chargeback for this order. Chime is not requesting a chargeback but saying the merchant declining it as a reason to deny the claim. Even thought I am providing evidence, they are still declining it. I dont feel like they are really researching they claim.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach that occurred on XX/XX/scrub>XXXX XXXX XXXX This breach resulted in the unauthorized access and exposure of my personal information, including [ specify compromised data, such as Social Security Number, financial details, or other sensitive information ]. 

I became aware of this incident through notification from the affected company or suspicious account activity. Since the breach, I have been at risk of identity theft and fraudulent activity, which has caused significant concern regarding my financial and personal security. 

I request immediate assistance in addressing and resolving any unauthorized actions or inquiries related to this breach. Thank you
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>