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

On or around XX/XX/XXXX I opened my online banking app with Bank of America upon opening the app i was immediately kicked out with a message that security had closed my account when i called Bank of America i was told my account was closed due to a business decision and was given no other information i had 3 deposits from lost wage program pandemic and employment that was deposited into one of my checking account at that time i asked about withdrawing that money as that was exempt money i was told that i would not be allowed to withdraw it and i would be melded check in 7 to 10 days business days if the funds were not allocated for overdrafts these or other charges i called again to Bank of America and was told by 2 different agents that i could go down and retrieve my funds at XXXX XXXX. in the morning to with draw. When i called to verify that i would be able to do this i was told once again i would not be able to access the funds nor would they be able to give me any information on the XXXX or the closure of the account. This is the only way I have to pay my bills I am on pandemic unemployment which is being taken by Bank of America and not return to me I'm getting addicted losing my car and I'm not able to get my medication out at the pharmacy all I want is a resolution I want my {$910.00} which is the amount that was deposited from the lost wage program and pandemic unemployment. This caused my line of credits, store credits, XXXX, XXXX returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved XXXX forbearance. Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance. Enclosed you will find evidence showing that : XXXX. We applied for and were approved for a XXXX XXXX for a VA Loan from XX/XX/XXXX, to XX/XX/XXXX. 
2. Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the XXXX Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a XXXX Forbearance plan. You are not required to make any payments during the XXXX forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the XXXX forbearance period. This has caused us considerable damage, emotional distress, and delayed family projects. 
3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the XXXX forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 
4. Additionally, we were deceived about our repayment options ; Carrington attempted to put us on a loan modification that increased our monthly payment by more than 60 %. 
5. Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. Enclosed are the following articles of evidence : 1. The written statement from Carrington Mortgage regarding our approved XXXX  Forbearance. 
2. The mortgage statements with the XXXX Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 
3. A recent copy of our credit report shows the falsely reported late for XXXX, XXXX, and XX/XX/XXXX. 
4. Carringtons attempt to overcharge us for a loan modification. Records of our attempts to resolve the errors.
Product: Debt collection

Dear Rocket Mortgage, Lets make this matter simple. Please prove me proof that a payment was not made in XXXX that brought the account current. 

You are reporting that I was late in XX/XX/2022. Provide evidence that a payment was not made in this month.
Product: Debt collection

In the year XXXX I noticed on my credit report there was debts that did not belong to me, I hired a company to fix it but they did not. 

On XX/XX/XXXX I tried to fix it by my self, I called the company and they could not help me. 

I also filed identity theft and as they instructed me, I sent a letter to the companies that are reporting that I have debts with them. 

Today I took a look at my credit report account and they are still appearing.
Product: Checking or savings account

I went in to the branch to advise of hold on my account. They advised that there were some attempts made on my spouse 's card and the account is on hold. I was advised to come back next business day with spouse. I came back next business day and they opened a ticket regarding the issue. I was not provided with ticket number, nor proof of what attempts were made on my account. I was not provided with an XXXX on when they would release hold on my account. I have now spoken with branch manager and fraud division and they keep referring me back to each other advising that they do not have the power to release the hold and it should be done by the other entity. I have no access to my money and have no way of paying my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid my regular monthly payment of {$370.00} which was due XX/XX/XXXX, XXXX Credit Acceptance reported this payment to the credit bureaus as 30 days late. That information they are reporting is false. That payment I made on XX/XX/2021 was only 19 days late, not 30. I called them several times to get them to remove the derogatory remark from my credit report. As a result of this false 30 day late payment entry on my credit reports, my credit scores dropped 40 points. I have worked really hard to keep my finances in order and this is too much to handle. I sent them a certified letter requesting validation that they have competent evidence that they received my XX/XX/2021 payment 30 days late. They claimed that I have {$50.00} in late charges and they reported the late charges as 30 days late. This is a blatant and total violation of the agreement which I signed. Only contracted payments in the amount of {$370.00} should be considered 30 days late if they are paid 30 days from the due date, not late fees. A late fee in the amount of {$37.00} is NOT a contracted monthly payment. 
I demand that this false 30 day late payment be deleted from all 3 credit reporting agencies immediately, in accordance to the Fair Credit Reporting Act and the Fair Dept Collection Practices Act.
Product: Credit card

OnXX/XX/XXXXXX/XX/XXXX I was online booking XXXX flights with XXXX XXXX. When prompted to pay, a pop-up appeared offering me a XX/XX/XXXXXXXX {$200.00} off the {$1000.00}XX/XX/XXXXand XXXX XX/XX/XXXXsee attached image. I applied and was approved, but was not able to book the fare with the new card. I called XXXX XXXX and explained the offer that led me to temporarily unfreeze my credit to take advantage of the offer, and still they could not assist and suggested using another card, which I did to ensure the fare. I actually used another Citi card, see attached image showing the XXXX fares {$440.00} totaling {$1000.00}. 

On XX/XX/XXXXXX/XX/XXXX I again tried to resolve this matter by calling Citi. They said I would get the credit after I use the card for another XXXX XXXX purchase. I explained that was not acceptable, and they directed me to XXXX XXXX to change the method of payment, and they too were unable to resolve the matter. 

This is definitely a bait and switch. I did online research and found that this happened to another AA traveler, XXXX XXXX, in XX/XX/XXXX XXXX XXXX XXXX XXXX reported on it. After they got involved, the victim/customer was finally credited. I trust your agency will assist me and stop this from happening to other travelers.
Product: Credit card or prepaid card

{$1700.00} someone use the card and been using it and paying the bill.I contact the company and my stuff was sent over to the credit reporting agency and to a collection department .I would like to get this off, I spoke with them and they said this account should be deleted due to fraud .i had papers and all.here s the  company THE BUREAUS INC XXXX XXXX XXXX XXXX. 

XX/XX/2018 {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Debt collection

I was not aware that I had an outstanding debt because the medical facility sent the bill to the wrong address. Eventually, I was contacted by a collections agency about this oustanding debt I knew nothing about. Apparently, after several failed attempts to contact me via mail ( because they had the wrong address ), the medical facility sold the debt to a collections agency, who then contacted me by phone. I provided the collections agency with the correct address and they agreed to send me some information about the bill. I never did receive anything in the mail, but have since noticed a derogatory mark on my credit. I have yet to see any notification or documentation about my outstanding debt.
Product: Mortgage

it started as XXXX XXXX, XXXX XXXX. Green Tree Serving, Di tech.Now I pay my insurance to these people. I tried to make appointment to make a claim they never answer the phone.All they ask for was the Mortgage payment.The front door haves a XXXX to XXXX inch gap in it and the back door to.We have to sleep with two by fore under the door handle front and back.We told them that the foundation is shifting they never replied.We or behind in our Mortgage and they trying to fore closes.PLease I 'm not trying to get over on these people they or getting over on me.Please could you help me and my family.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit 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 an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX., for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in 2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of 2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account on my Transunion and XXXX account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and XXXX and Transunion and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are not complete and accurate. Open date is not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send numerous letters, disputing errors on my credit report to experian, all letter go with a copy of my driver license, voter registration and social security card, they dont remove the errors, i am tired of their incompetence and refusal to respond and correct the issues 1>-Statements Personal Statement ( s ) 26 & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
I never ask for this and have 3 letters to have it removed 2.-XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies I never applied for a loan, they dont ' have anything from me 3.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific never did i do an application either
Product: Mortgage

The closing of our refinance with Amerisave happened on Friday, XX/XX/2021. We were supposed to have received payment by Thursday, XX/XX/2021. Amerisave has not paid the " cash to borrower '' or the other bills included in the agreement including the previous bank that the house loan is with. We have called and called and finally the originator service person called us back on Tuesday, XX/XX/2021 telling us that he had called the XXXX XXXX XXXX and they should be contacting us. This originator person ( XXXX XXXX said he would call us before the end of day. 

We have not heard from anyone and I will need to pay all the bills that the mortgage institution should have paid by now so I will not be late. With the way we have been treated, I am concerned about getiting reimbursed for paying the bills. 

The amount owed in cash to us is {$41000.00}. This greatly concerns us and has caused us much emotional strain.
Product: Payday loan, title loan, or personal loan

Sent dispute to company and never received a response back. Letter was sent certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

I AM asking for a investigation in this matter I have three accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not disputing the verfication of these accounts what i am asking for if I received a 1099 from all three company for a amount that is not same as ALL these three accounts don't the account therfore to be removed. I just want to confirm that the information on my credit report is 100 % accurate so I want to verify that the information as the amount I owe is correct and I am asking if its not can the accounts be deleted because these accounts are reporting information that is not accurate as my 1099s show a different amount. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I called XXXX over a bag I had purchased however it was not XXXX. They were posing to be XXXX and then began to tell me that my XXXX account was being hacked for {$9000.00} through my XXXX  .using XXXX charges XXXX XXXX something I never heard of and told me I had to verify my account through XXXX I have only made a few transactions through XXXX but this time city detected fraud, suspicious activity, but did nothing to block my account stop the transaction from going through. They only sent me a letter a week later they took my entire Social Security money and then some total {$1900.00}. I feel that Citibank did nothing to protect my account. I have done a customer for over 40 years. Maybe its time to leave them.
Product: Credit reporting or other personal consumer reports

This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Product: Checking or savings account

On XX/XX/XXXX I was notified via text message by Chase that there was suspected fraud on my account and it was restricted. I proceeded into my local branch and after XXXX hours at my local branch and the personal banker and myself being transferred between XXXX different departments, a fraud XXXX said that chase was terminating their relationship with me and they intended to restrict over {$2000.00} of my money for XXXX business days. Hours later we agreed the {$330.00} for payments due to Chase would be held and the rest released to me that day. On XX/XX/XXXX I received an email that the account was closed and there were fees associated with the {$330.00} accruing. The money seemingly disappeared into an abyss of Chases incompetence. I watched very detailed notes entered into my account. Apparently those disappeared as well. I am now being assessed fees for something that I have XXXX control over, as I am unable to access the account- UNLESS I give Chase access to an outside bank account. However, the money to cover the amount owed was left in the account. This is so illegal and its incredibly predatory. I KNOW its happening to other people. There was always plenty of money in that account, it was never overdrafted, and never had a single issue with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my free annual credit report with Equifax. The on-line form asks for a middle initial. I don't have one. It won't let me leave it blank, and there is only space for one letter so I can't put N/A or no middle name. 

I have spent an hour on the phone trying to call them. I pushed 1 and 2 and 3 and gave my social security number, etc. very obediently. Finally, they simply hung up. Back to square one. 

I tried contacting them electronically, but the middle initial issue stopped me again. I don't want to mail my request in with a copy of my driver 's license, etc. Too much trouble. Takes too long. 

Can someone tell them to allow for no middle name on their on line form? What else can I do to get my free annual credit report from Equifax? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account listed below. 
XXXX XXXX XXXX XXXX XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.
Product: Payday loan, title loan, personal loan, or advance loan

This was used by the store owner was not familiar with the company of unfair practices until after the 90 days passed making it extremely difficult to continue to pay.