23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Subject : XXXX Soft Inquiries Made on Credit File Description : On XX/XX/2019 two soft inquiries were made through an API from XXXX XXXX to XXXX  XXXX  and XXXX  through XXXX, both lending companies. I did not authorize these companies to access my credit file under any circumstances. ( Because I have been the victim of 3 data breeches, I am reviewing my credit files very closely ) The reasons I am aware of these inquiries is I received email notifications from both companies in response to the inquiry. I have deactivated my XXXX XXXX file and I would like these soft inquiries removed from my file by XXXX XXXX - I did not authorize them to be made. 

I contacted XXXX XXXX on XX/XX/2019, the day I received the email and XXXX XXXX   onXX/XX/2019. A rep at XXXX XXXX said, " I wasn't approved so don't worry about it '' and, XXXX XXXX responded via email with an ambiguous response. I do not have contact information for XXXX through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; US DEPT OF EDUCATION XXXXX Balance : {$0.00} ; XXXX XXXX XXXXX Balance : {$280.00} ; XXXX XXXX XXXXX Balance : {$200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting the incorrect dates on my credit report as to when i took out a mortgage with Greentree, Ditech who filed for bankrutcy and sold our mortgage to New Rez [ Shellpoint mortgage ] .I tryed disputing this and sent them court papers and a copy of the mortgage as to when it was started .They have listed me me as having started this mortgage in XXXX and my contract was started in XXXX .thats when the mobile was built was XXXX they havent investigated this matter and as of this date it is in court in Billings mt .They have this document as i certified it to them and they came back with the same wrong info .please can someone help??

Thankyou XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Monday, XX/XX/XXXX I discovered that Bank of America had chosen to end " our business relationship on XX/XX/XXXX and that I agreed to do so based on " page 2 of an agreement I signed when I opened the account '' in XXXX. This is an " unequal relationship '' between myself and a fictitious person that is now holding me financially XXXX. 
I have been told I will be sent a cashiers check, which I do not want, because I prefer to transfer funds electronically just like banks conduct their business at the " discount window '' of the Federal Reserve. I feel this is an egregious act on the part of Bank of America, beyond the basic lack of courtesy at a time when extreme time based income inequality threatens individuals into permanent financial crisis. 

When banks threaten themselves through greed and mendacity and politicians that are beholden to them agree to bail them out -- their is no relationship other than one of domination and control and reinvestment in digital products that do not deliver and are fraught with fraud and security precautions that are wholly in the hands of Bank of America itself.
Product: Credit card

To Whom It May Concern, I am writing to request a reconsideration of my recent denial for a credit limit increase on my American Express card account. I want to reiterate my strong track record of responsible financial behavior, including consistent on-time payments and a proactive approach to resolving issues promptly. 

I recently made a significant payment of {$860.00}, clearly demonstrating my commitment to reducing outstanding balances swiftly. I kindly urge you to reflect this payment on my credit report, as it accurately represents my current financial standing. I understand the importance of an accurate credit history and believe that this update would reflect my responsible financial conduct more accurately. 

Despite a past incident involving an ACH payment failure, which I promptly rectified, I have taken proactive measures to ensure the stability of my payment methods. I am fully committed to maintaining a reliable payment system to prevent any future issues in this regard. 

Furthermore, I am enthusiastic about expanding my membership with American Express through a charge card. I look forward to the opportunity to demonstrate my financial responsibility on a broader scale. Please consider this as an indication of my commitment to responsible credit management. 

I kindly request that you review my application again, taking into account my responsible financial conduct and my recent efforts to resolve any concerns. Granting this credit limit increase and reflecting my recent payment on my credit report would not only benefit me but also enhance my relationship with American Express. 

I am eager to continue being a responsible and valued member of American Express, and I am hopeful that you will reconsider my request promptly. I kindly request to be contacted as soon as possible regarding the status of my application. 

Thank you for your understanding and consideration. 


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

The company mentioned below ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX XXXX I
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

As soon as we were finished with loan modification and trial payments and signed the new agreement with Bank of America they soled the loan to a new servicer. And we do n't agree with there actions because according to FDCPA fair dept collection practice act the trustee and trustor need to agree on the new servicer, and we do n't agree on it.
Product: Vehicle loan or lease

Hello, I worked with XXXX XXXX in XXXX MA to trade in my XXXX XXXX XXXX XXXX lease and sign a new one. I was verbally confirmed that the old jeep would roll into my new lease and would be taken care of. This never happened. I called XXXX XXXX  many times and the manager told me " its your fault and the sales agent no longer works there ''. Ally financial is the bank that supplied the lease and I now have this major outstanding balance and a mark on my credit that is hindering me from getting a mortgage. I have worked with many repair companies and have tried to compromise with Ally and XXXX and have had no success. XXXX  is the worst car dealership I have ever dealt with and they seem to not care when they take advantage of their customers, especially when their customers come in alone. I need help with this issue!
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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 XXXXXX/XX/XXXX
Product: Credit card

On or about XX/XX/, I initiated a dispute of a purchase transaction posted to my Synchrony Bank PayPal Credit account on XX/XX/XXXX  in the amount {$140.00} by the merchant XXXX. The primary reason for the dispute was that certain goods delivered by the merchant were not in the condition specified by the merchant when the purchase was made. Specifically, the goods were described by the merchant as in " New '' condition, but the condition of the goods delivered was Used and/or Refurbished. The secondary reason for the dispute was that the merchant authorized a return of the goods, but failed to provide a return shipping label or a return shipping address. The merchant also did not respond to a specific request to provide such label or address. This dispute was raised by my completion and signature on the merchant 's " Dispute Acknowledgement Form '' together with four pages of annotated documentation supporting my reasons for the dispute. I submitted the form and attached documentation to Synchrony Bank via fax transmission. A copy of the documents that I submitted is attached to this complaint. Synchrony Bank has not made any substantive response to my dispute ; Synchrony failed to investigate the dispute, make any determination on the validity / accuracy of the transaction, and to send me any written statement regarding my dispute.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to find incorrect accounts that I dont recognize. I review my credit report regularly, yet this time, unexpected errors were present. Hoping it was just a system glitch, I refreshed my browser, but the inaccuracies remained. Given this situation, I request a thorough examination of the documents I have provided so that I wont have to stress about this anymore.
Product: Mortgage

I have asked more than once for my PMI to be canceled yet it is still being charged. I am below the XXXX XXXX  XXXX benchmark. The cancelation should have occurred automatically.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and outrage at the unashamedly mishandling of my identity theft dispute by your bureau. It is unacceptable that despite providing clear evidence and following all necessary procedures, my legitimate concerns have been ignored and dismissed without proper investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The accounts listed on my credit report are a direct result of identity theft, a serious crime that has caused significant damage to my financial well-being and personal security. Yet, your bureau has chosen to overlook this fact and continues to report these fraudulent accounts, further exacerbating the harm done to me. 

I demand immediate action to rectify this egregious error and remove all unauthorized accounts from my credit report. Your failure to do so not only violates your legal obligations but also demonstrates a complete disregard for the rights and well-being of consumers like myself. 

Furthermore, I will not hesitate to take legal action against your bureau if this matter is not resolved swiftly and satisfactorily. I expect a prompt response acknowledging receipt of this complaint and outlining the steps you will take to address the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've dispute this item with all three credit bureaus by mail.
Product: Payday loan, title loan, or personal loan

I was persuaded into renewing my loan during the time I had an XXXX in which I was XXXX for 3 months! I was up to date until they keep changing workers for stealing an I have called you all an gave the names of the responsible parties that were constantly calling an harassing me and persuading me into renewing my loan.I always paid on time or if I was late I call always.I couldn't get thru to the manager and when I did he was very rude an disrespectful.I deserve my tittle back from auto money on XXXX XXXX. XXXX S.C, I recently made an payment so they want take my car in which they tried without warning or written notice.When I did call in they gave me a certain date but kept calling. Thank you all for your time and patients of this matter.
Product: Debt collection

In XXXX I had an over due electric bill of {$430.00}. I was incarcerated until XXXX. The billed was turned over to a collection agency. I was paroled XXXX/XXXX/XXXX. I went to have my electric turned back on and was informed I owed them {$430.00} for the past due bill. I paid the {$430.00} directly to the electric company so they would turn my electric back on. I checked my credit report in XXXX and found that the collection for the past due bill was on my credit report from a collection agency. I submitted a dispute via XXXX with experian. I got a letter from the collection agency about my dispute, they said it was a valid debt that I had to pay. What do I do now?
Product: Checking or savings account

I tried to do a mobil deposit on XX/XX/XXXX- There was no notice the system was malfunctioning. I finally received a reply on XX/XX/23 advising they have technical difficulties and to try in 24 hours. 

In 24 hours I tried again, and it still does not work. I have emailed on XXXX, XXXX and again on XXXX with no reply from the bank. There is no notice on their website and it is IMPOSSIBLE to connect w a human at this bank. They have a virtual assistant that is never of any use. 

I had a problem on XX/XX/23 where one of my bill pay checks never made it to the receiver. It took me until XX/XX/XXXX to get a reply. Then I followed up with them on XXXX as a result of their reply and never heard back from them until XX/XX/XXXX. This is unacceptable. They do no reply in 24 hours and impossible to connect with a human being.
Product: Checking or savings account

Fraudulent transactions were charged on my debit card ending in XXXX. Two different rental car merchants, also international fees as well. I work 6 days a week in XXXX VA with XXXX XXXX XXXX, and I own a vehicle. After the international transaction, I reported my card with the fraud department of Bank of America. I was in the process of waiting for a new card, 12 days or so later, another transaction from a car rental charged my compromised card, XXXX XXXX and left me in the negative for over 2 weeks, in the midst of me waiting for a new card to arrive at my home. I contacted the merchant, and the merchant claimed, I did this transaction over the phone. Bank of America claims, I have a signed contract with this merchant. I requested for all paperwork to be mailed to my home as I am presently waiting for. Contradiction number 1. I had direct deposit with BofA and it took me out the minus while still waiting for them to come to a decision about giving me my money back. I went to the bank personally and sat with my banker, XXXX XXXX over an hour, about every fraudulent transaction, which she was my banking online did not match whats on my compromised card. Contradiction number 2. How can my bank still let a merchant get into my account through a compromised card, without overdraft protection which left me XXXX in the minus for over 2 weeks? After opening the claim, which had been open over a month without credit, nor a real explanation why, leaves me to believe, this is an inside job, with someone who works with BofA that has direct contact with this fraudulent merchant. Why I say this, is because, after a month later, not even 3 days ago, the same merchant went into my account again, and minused me another XXXX . How, when I am two debit cards later after this compromised card, had been reported, and not only is my XXXX dollars missing, but now Im minus again at XXXX XXXX? Im tired, Im stressed and it is causing me a hardship for reporting to my job. I need help, can someone help me? Im going to the police to file a report on the bank as well as the merchant. Ive been banking with this bank for over 10 years.
Product: Mortgage

To whom It May Concern, I am writing in hopes of some assistance in a matter that has caused much stress and anguish in my life as of recently. About 3 months ago I began the process to refinance my current mortgage. My current mortgage servicer to be paid off is Ocwen.They have been an absolute nightmare to work with, which can be viewed by my previous complaints to the CFPB. 

Now I write in hopes the CFPB can help me with a similar issue. The reason that I was not able to refinance was that Ocwen lied to me. When my new lender attempted to payoff Ocwen to complete my refinance, they were notified by Ocwen that because I had a modification done, I had agreed to over {$40000.00} in what they called a Shared Appreciation. First Ocwen said they would waive the Shared Appreciation, then after sending us XXXX payoffs without the Shared Appreciation ( on XXXX/XXXX/2015 and XXXX/XXXX/2015 ), they decided they now will not waive the Shared Appreciation and leaving me with an unqualified mortgage based on the value of my home. That was a nightmare in itself spending hours on the phone with a call center in XXXX that really did n't comprehend how they could make such a colossal mistake and play with my emotions so dramatically. 

Aside form my refinance not going through, now I am absolutely shocked that I have a {$40000.00} Shared Appreciation amount that I owe Ocwen that I never agreed to when I modified my loan. The modification paperwork is extremely confusing and the person who was helping me said to just sign it, they did n't explain and because of the situation I was in, I simply signed. ( situation is recession hit, my income form my job was cut by XXXX %, I had to file for bankruptcy, and my wife was going through health issues ) Now years later that decision is haunting me. They forced me to sign some papers to avoid foreclosure but instead have put me in a horrible situation. Had I known that {$40000.00} was secretly owed by me, I would have not agreed to that modification. I wish for the CFPB to investigate the terms of my refinance as unfair and help me to get the Shared Appreciation waived by Ocwen. ( as they originally agreed to numerous times over the phone and on paper XXXX/XXXX/2015 and XXXX/XXXX/2015 only to change their mind after I wasted so much time, energy, and money into my refinance. ) Please CFPB consider investigating the tactics used tomato me agree to an unfavorable modification and help me to finish my refinance so I can move on with peace of mind.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C1681 section 604 A Section 2 : it also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information. other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXXXXXX XXXX Balance : {$330.00} ; XXXXXXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Money transfer, virtual currency, or money service

I had a XXXX XXXX XXXX  account. This account was not being deposited into because of losing my wallet and card. After checking my account I noticed multiple transacations via zelle to another person without having any money in my account.
Product: Mortgage

Seterus Inc. A home loan servicing company, states that I have a deficiency of {$890.00} When I call their XXXX The people that answer have no idea what is going on. They say that I am behind on my impounds, but can not actually prove it. They continuously refer to the " Escrow account projections '' for the next 12 months. Yet my numbers clearly show that the payments I make more then cover the P & I as well as the impounds. When in actuality I have over paid them in the past 3 years {$350.00} towards impounds. After explaining this, they tell me that I have a deficiency from a couple of years ago. Again I ask for specifics and they can not supply them. 3 out of the 4 times I have called Seterus, the representative gets very short with me, treating me as if I do not know what I am talking about.