23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were working with Bank of America Loan Officer XXXX XXXX. XXXX asked us not to use the Bank of America system to load our documents and insisted that we send our documentation directly to him. He also told us to ignore everything the system asked us for and he would provide us with the instruction that was needed. We did as we were instructed by XXXX. 
The day or two prior to closing, XXXX called us and notified us that our loan application was cancelled because he did not provide the documentation that we sent him timely. He also informed us that it would be another month before we could close on our loan because the loan needed to be restarted. We involved XXXX XXXX XXXX XXXX ' manager ) who assured us the ball would not be dropped again. The loan was restarted. 
XXXX then provided a closing date of Monday, XX/XX/XXXX. The Friday prior to that date at XXXX we still hadn't received the closing documents. We attempted to reach XXXX and XXXX with no luck, but we did get in touch with XXXX XXXX. 
XXXX lied and told us that Bank Of America had not received the title and would not receive the title for 2 months pushing our closing out that long. After joining a conference call with our attorney, he was forced to admit to the lie. He had the title and told us that he and the bank operations team would work through the weekend to get the closing documents to us in time to close on XX/XX/XXXX. Today is XX/XX/XXXX. 
We again went hunting down the documents that the bank was supposed to provide in the am. About noon on XX/XX/XXXX, we were informed by XXXX and XXXX XXXX that we were cleared to close but the operations team loaded the closing disclosures late so we would have to close on XX/XX/XXXX. It is close to closing time and we have no documents still and no explanation from the bank. 
This experience has been harrowing and has cost us thousands of dollars. Bank of America has not been responsive. Their customer service has hung up on us after having us hold for XXXX minutes and escalation of issues is extremely difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were I C SYSTEM INC| Account Number XXXX I C SYSTEM INC| Account Number XXXX XXXX XXXX XXXX / XXXX Account Number XXXX XXXX XXXX XXXX| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
Product: Credit reporting

I contacted XXXX XXXX to report my credit cards again to Equifax after my cards had been deleted by Equifax. Equifax has now reported the credit cards but is saying the account history has been deleted, which in terms makes it seem as if this credit cards are new accounts. I have had these cards for over five years and I need my credit report to reflect the amount of time and history I have on these XXXX credit cards. Please make them correct this situation. I have not been able to resolve any issues I have had with Equifax. It is going on a month now. First they delete my cards, then I have to get my credit card company to make them report again and now they are reporting inaccurate information. Please make them place my history back on credit cards. I have attached the information I was sent from Equifax.
Product: Credit reporting or other personal consumer reports

Student loan was forgiven on XX/XX/year> through PSLF. All loans were XXXX XXXX, however it is still showing in my credit report that I have an outstanding balance of XXXX XXXX  Moehela says they are no longer handling this. I have no one to contact.
Product: Bank account or service

I GOT A PHONE CALL FROM A PERSON CLAIMING TO BE MY COUSIN FORM XXXX. I INNOCENTLY BELEIVED IT AND WAS EXCITED TO SEE THEM. THEY ASKED IF I COULD SEND XXXX DOLLARS TO THEM ( AT THIS POINT IM STILL THINKING ITS MY COUSIN FROM XXXX IN NEED ) TO SUMMARIZE I GO TO MY NEARBY WELLS FARGO WHICH I WAS ASKED TO DO SO ... I CAME UP WITH 2000 AND WENT TO A TELLER GAVE HER THE ACCOUNT # THEY SUPPLIED ME WITH AND THE NAME OF THE PERSON MONEY WAS BEING DEPOSITED TO. SHE DID TELL ME IF I WAS SURE BECAUSE IT LOOKED AND SOUNDED LIKE FRAUD AT THIS POINT THIS PERSON THAT I THINK IS MY COUSIN SOUNDED DESPERATE AND IN NEED SO I SAY YES ITS MY COUSIN SHE AGAIN ASKS ARE U SURE BECAUSE IT LOOKS LIKE FRAUD SHE WAS UNABLE TO PULL UP THE ACCOUNT AND ASKS FOR THE NAME AND SHE SAYS I FOUND IT UNDER THE NAME YOU HAVE THE LAST XXXX DIGITS WRONG AND PROCEEDS TO SCRATCH THEM OUT ON MY PIECE OF PAPER I HAD IT WRITTEN DOWN ON AND GOES FOWARD WITH THE TRANSFER. I GET BACK HOME AND THEN RECEIVE A CALL FROM MY UNCLE LOANED ME THE MONEY AND AT THIS POINT HE CONTACTS MY COUSIN AND CONFIRMS THEY ARE UNAWARE OF THE WHOLE SITUATION. I GO BACK TO THE TELLER BUT AT THIS POINT MY UNCLE WAS GONE AND I DONT HAVE A CAR TO GO BACK TO THE BANK. I DESPERATELY CALL AND AM TOLD I ONLY HAD 20 MIN TO REVERSE THE DEPOSIT SO NOW ITS TOO LATE. I GO BACK TO THE BANK AND ASK WHY IF THEY THOUGHT IT WAS FRAUD DID THEY LET ME PROCEED? THEY ARE TRAINED PROFESSIONAL I AM NOT SADLY I WAS FOOLED OUT OF 2000 DOLLARS. THE MANAGER TOLD ME THEY ALWAYS VERIFY ACCOUNT # S AT WELLS FARGO AS LONG AS YOU HAVE THE FIRST AND LAST NAME THAT I CANT DO ANYTHING NOW THEY WERE RUDE AND INCONSIDERATE NOT TO MENTION THE EMPLOYEE WAS NOT THERE TOADY WHEN I WENT BACK TO SPEAK TO THE MANAGER WHICH LOOKED SUSPICIOUS VERY RUDE MANAGER PLEASE HELP ME WHAT CAN I DO?
Product: Checking or savings account

I was in Citizens Bank on XX/XX/23 Saturday and I was trying to cash or deposit a check for a severely XXXX man who is in a wheel chair. Mind you i have been in there before cashingvhis checks. I remember before this bank charging me XXXX for cashing a check like this. The check is a Citizens Bank Check. The Manager XXXX XXXX refused to cash or deposit a check from a man that is XXXX who is in a wheel chair. He said to me who are you I dont know you I am not helping you out. I told the man that is severely XXXX to take his money out of the bank and the woman who made out the check. What an awful way to do business. I would not recommend this bank to anyone. Awful customer service.
Product: Credit reporting or other personal consumer reports

XXXX has refused to allow me the ability to dispute my student loans after the Department of Government Efficiency wrongfully and illegally accessed my personal and financial private student records. On XX/XX/year> they would not provide me information on how to directly dispute the loan with them. 

My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt. You have XXXX ( XXXX ) business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment recorded on my credit report. After thoroughly reviewing the information, I believe there are errors that need to be corrected. 

Upon reviewing my credit report, I noticed discrepancies regarding the reported late payments. I have consistently met my financial obligations on time and believe there may be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 

XXXX XXXX XXXX
Product: Debt collection

My wife and I, along with our  XXXX  children, were tenants at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL for a period of approximately  XXXX  years. We vacated the apartment at the end of our lease in   XXXX   XXXX       We paid all of our rent when due, and complied with all of the terms and conditions of the lease. When we moved out, we asked for a " walk through '' but were refused.  XXXX   XXXX   XXXX ,  XXXX , the landlord, some weeks later sent us a notice for {$580.00} for damages that do not exist. They collected no security deposit if there were a security deposit they clearly would not be allowed to withhold from it under the  XXXX   XXXX   XXXX , which permits reasonable wear and tear. Instead they have hired a debt collection agency to harass us and are threatening to damage our credit if we do not pay them the amount they claim we owe. The photographs they claim show damage do not show anything obvious, and certainly not {$580.00} of damages.  XXXX  of the photographs actually shows a clean, empty apartment. They have no photographs of when we entered the apartment, to my knowledge.     I suspect this might be part of a pattern. A landlord threatens collection against tenant. The tenant is afraid of damage to credit and pays off the landlord to go away, even though the charge is unfair. Many tenants hope to become homeowners.     Credit ratings have a lot of power over people, and landlords and debt collection agencies should not be able to report debt that they can not prove to credit bureaus. If it were unpaid rent, that would be obvious in the lease. This is highly subjective, and they do not have the evidence to sustain a breach of lease claim.
Product: Debt collection

I received a letter from PMT informing me of my past due bill from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. PMT wanted me to pay them a {$60.00} service charge on top of my bill. I went onto the XXXX XXXX XXXX website and paid the bill directly on XXXX for the amount of {$250.00} which has been approved and withdrawn from my bank account. PMT now calls me daily leaving robocall voicemails to call them back with no reasoning. I have checked my credit report bi monthly and not had any debt collections on my report. This is looking like a scam.
Product: Credit reporting or other personal consumer reports

ear Credit Reporting Agency Name Re : Identity Theft Dispute Under FCRA Section 1681s-2 I am writing to formally dispute several accounts on my credit report as a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 1681s-2, I request an immediate investigation and removal of the following fraudulent accounts from my credit report. I did not open these accounts, nor did I authorize any transactions associated with them. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached, you will find the following documents to support my claim : A copy of my government-issued photo ID Proof of address ( e.g., utility bill or bank statement ) A copy of my identity theft affidavit Under the FCRA, you are obligated to investigate this dispute and delete any inaccurate or unverifiable information. I expect these accounts to be removed from my credit report within four days of receipt of this letter. Failure to comply may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action to enforce my rights. 

Please confirm receipt of this letter and notify me in writing once these accounts have been removed. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX [ Attachments : Copy of ID, proof of address and identity theft affidavit ]
Product: Debt collection

I received a letter back in XX/XX/XXXX saying I had to pay this debt of some $ XXXX dollars. I called NCB and was told this was an online loan taken out in my name back in XXXX. I had never received any letters about this debt until NCB contacted me in XXXX and they are a 3rd party debt collection service! The bank who allowed this fraudulent loan be given out never even contacted me themselves! Not once! Whoever did this had all of my personal information. The lending company says they never asked for a copy of my ID. They still gave out a loan to internet hackers regardless. NCB told me to file a police report and send it in and they would remove this fraudulent account. I did that and not only did they continue with collection efforts they reported this fraudulent account to all 3 credit bureaus! I had excellent credit until they did this to me. This is wrong on every level! Why did I even go through all of the hassle of going to the police department and sending in the information they requested if its not going to change a thing! On XX/XX/XXXX NCB sent me a letter saying they received my dispute and said " After conducting an investigation we have been unable to substantiate the allegations in your dispute. '' I need help!!! This is not right. I will get an attorney if need be. Please help. I will never pay a debt that is not mine. This is unfair. I pay my bills and debts. My credit is ruined because of this. NCB ensured me not to worry and send in the police reports and it would be done. They continually lie over and over. Please please help. Thank you so much. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, a formal dispute letter was sent to Experian requesting correction of the name listed on the credit report to the legal name, removal of all incorrect address listings, and updating to the current address. Supporting documentation like a birth certificate was provided. 
On XX/XX/2024, a notice of fault was sent stating Experian had failed to make the requested corrections despite the previous letter and documentation provided. Specific demands were made again to correct the name, remove incorrect addresses/phone numbers/business listings, and update to the current address. 
Experian sent a letter on XX/XX/2024 stating they received an unauthorized request regarding the credit information so no action was taken as a precaution, but the consumer can dispute inaccuracies directly. 
On XX/XX/2024, a notice of default was issued giving Experian a 10-day period to update the name, delete all previous addresses except the current one, remove certain inaccurate phone numbers and business listings. Additional documentation like utility bills and IDs were enclosed. 
Another letter from Experian dated XX/XX/2024 again stated they received an unauthorized request so took no action, advising to dispute inaccuracies directly.
Product: Credit reporting or other personal consumer reports

I want to freeze my credit. I tried to open accounts with the XXXX credit bureaus and all three of them claim I failed security checks, which is implausible considering I'm creating an accoutn fo rmyself and know all of my information. I'm tech savvy and did not mis-click or provide incorrect information to any of them. Now, they all require me to call in for identity verification support. They all have hold times over an hour. XXXX says it is XXXX minutes!! So, these credit agencies that have a strangle hold on us are not prepared to support customers. I do not have XXXX hours to sit on hold to get logged in so I can put a freeze on my credit after a long list of data breaches! I waited over an hour for Equifax and they're " having issues with their system '' and can't even help unfreeze my login! So, the online system tells me to call in, but after waiting over an hour calling in, they can't help. The credit agencies themselves are a scam that have their knee on our throats, and support systems where data breaches mean our identity can then be stolen. Please disolve these credit bureaus or pass legislation that they must have human assistance with no more than XXXX minute waits! This is complete nonsense!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS
Product: Money transfers

I MAKE PAYMENT USE MY PAYPAL ACCOUNT, FOR INVESTIGATION SERVICE, I DONT RECEIVE THE SERVICE I PAY FOR .I CONTACT PAYPAL TO COMPLAINT ABOUT IT, PAYPAL REFUSE TO TAKE MY COMPLAINT .I CALL MAY BANK // ALLY BANK, THE OPEN A CLAIM, THEN THE SAY EVERTHING NEED TO GO TRUE PAYPAL .I COMNTACT PAYPAL ABOUT IT .PAYPAL SAY THE REFUND MY ACCOUNT .NOW I DONT NO WHERE IS MY XXXX DOLLARS GO
Product: Credit reporting or other personal consumer reports

I need you to delete these accounts completely because they are affecting my credit report. I am hereby requesting that you delete these accounts because if not, I am within my rights to proceed legally and under Law 1681e XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Product: Student loan

I've repeatedly asked ACS Student Loans for copies of my payments and payment history when the company was being sold. I believe they over charged me interest and mislead me with payment options. I was trying to collect the information and while it was easily obtainable on the site as soon as they sold my loan to XXXX XXXX, the information was no longer available and I was unable to collect any of it. I've been paying on this loan for over ten years and now it's bounced from ACS to XXXX XXXX, to XXXX while not transferring my payment history. The amount of money I've sent to these companies in return for poor customer service and now getting my loan bounced around is embarrassing. Additionally I'm now ineligible for zero interest through the CARES Act. I need access to my past payment history and all interest charges to date.
Product: Bank account or service

I answered an ad on XXXX that said that there was this family looking for a nanny to take care of their XXXX year old boy. A couple days after I answered the ad the person that put up the ad contacted me through email and gave me a description of how the job would be. I was a little hesitant at first but I accepted the job and once I did they sent me a check for XXXX dollars which was for errands and for my XXXX weeks pay.They had explained to me that they were living in XXXX at the moment due to the mans job with the XXXX and that they would be moving back to the desert on XXXX XXXX. They also explained that their house was being renovated and so a couple days after they told me that they had told me that their renovator needed more money before they could finish the job so I went to the bank and withdrew XXXX because they sent me specific instructions to send their renovator money through XXXX and XXXX XXXX. The amount they wanted me to send was XXXX but I ended up sending the whole XXXX they sent me and 40 dollars out of my own pocket to pay the remaining balance. A day after I sent that money I had checked my bank account and saw that I was negative XXXX dollars and just did n't understand why. After I saw that balance I went to my bank which is Bank of America to see what had happened and I found out that the family had committed fraud against me. The bank told me that I was liable for that money because it was deposited in my account but what I did n't understand was why the bank would process a check that was fraud and let me withdraw XXXX which was money that did n't even exist. I explained this feeling to a banker and all they said was, " that stinks but we ca n't do anything about it because you are liable for that money. '' The fact that the banker said those exact words to me which started off with something completely unprofessional came to a shock to me because they just were n't going to do anything to help me when this whole situation was n't my fault. They let me deposit a fraud check and than they let me withdraw almost all of that money and in the end I was the one that has to suffer with negative money in my account and I find that that completely unfair.
Product: Credit reporting or other personal consumer reports

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization on XX/XX/year>, asserting that I owe a debt of {$1600.00} related to Account No. redacted 1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditor 's name and contact information. 
2.Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3.Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX