23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I pulled my credit back towards the end of XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

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

This is a fraudulent charge that was taken care of with all 3 credit Bureaus YEARS AND YEARS AGO! And was very time consuming and an extreme nuisance!!! I have already had this taken care of! Now this random 3rd party collector has revived it again! I demand it be removed immediately, because this time I will just sue, for the inconvenience. I'm not going through this again, its fraudulent and has been added to my identity theft report with http : //www.identitytheft.gov/
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile below. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified with out the original document supporting the verified account. 

It is also my understanding that under the FRCA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely Deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise NOT PROVEN COMPLIANT to regulatory Federal reporting laws and or standards and MUST be removed immediately the infractions are as follows : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA USC1681 XXXX XXXX XXXX XXXX XXXX XXXX FRCA USC1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FRCA USC1681 XXXX XXXX Violation : FRCA USC1681 By the provisions of the FRCA ACT and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 Compliance regulations, I demand thatches above mentioned derogatory items be investigated and permanently REMOVED FROM CREDIT REPORT. 

Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the handling of my dispute by Equifax, which I believe requires your attention. 

I recently initiated a dispute with Equifax, but I have encountered issues in resolving the matter. Equifax has updated the dispute status, yet no actual resolution has been made. Instead, the dispute was closed without any changes to the inaccurate information on my credit report. Moreover, I was not provided with any details about the outcome, nor did I receive a link or a PDF document to review the status of my dispute, as is typically provided. 

This lack of transparency and failure to resolve the issue has left me with no clear understanding of the current status or how the matter is being addressed. I believe that Equifaxs actions do not comply with the requirements for handling disputes under the Fair Credit Reporting Act, and I am requesting that the CFPB intervene to ensure proper procedures are followed and that I receive the appropriate documentation regarding the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card

Kohls store sent me a Capital One Visa card without my consent. I had a store card in which I could use that card only at the store. I've had this card for years. Suddenly, I received a Capital one Visa card by mail for which I did not request. I called the store immediately to inquire about it. They stated that they automatically upgraded the cards to a capital one Visa card. This should not be allowed without a person 's consent. I closed the account, which I'm upset because I know this affects my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me at the end of XX/XX/XXXX that a company pulled a hard check on my credit. The explanation was that I had request credit with this company. I had not. The hard pull will remain on my credit for 2 years. The company requesting information was XXXX XXXX XXXX. My account with XXXX was pain in full and closed by me XX/XX/XXXX. I did not request more credit. Im fact my payments were delayed with their approval due to being in good standing. Covid, a natural disaster, hurt my ability to sell XXXX  that I make and that earned money paid my XXXX XXXX Bill each month. People were out of work and were not buying unnecessary pretty floral arrangements. I had to pay my rent before a XXXX bill. XXXX told me that they would not lower my monthly pmt. I ended up paying this Bill completely off 12 months in advance after never having a late payment until Covid. I pulled together every penny I had. There was no reason at ALL for this company to do a hard pull on my credit which hurt it.. months after the account was paid off and closed. 

Just this past week I discovered I had been a victim of identity theft. My internet did not work. I called a customer service number for XXXX and the representative guided me thru a process of installing an app on my phone. He sent me IP addresses who had accessed my credit and identity and told me I had to pay XXXX dollars to him to fix it! I immediately hung up. I have the phone number. This person accessed my Experian Credit and tried to open another credit line with XXXX XXXX XXXX in my name. I immediately notified Social Security and FTC. 

I have now had to freeze all my credit. Experian refuses to let me show them the documents of how my identity was stolen. I have submitted many request to them. They no longer will let me submit anything!
Product: Consumer Loan

We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!! 
Please please help us. 
Thank you XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried, in vain, it appears to get XXXX XXXX Executive rep XXXX to fix the inaccurate reporting from my Experian credit report with no success. I closed the account in XX/XX/2020 as a result of entering a debt management plan in XX/XX/2020. However, the XXXX correspondence dated XX/XX/XXXX now erroneously indicates it was closed due to delinquency on XX/XX/2020. But the point of my complaint is that this is a closed account with a XXXX  balance yet the payment status shows it as DEROGATORY -closed not paying as agreedas of today. The payment status is not correct. I have had to deal with this numerous times and back in XXXX I have XXXX correspondence attached indicating the account was in a satisfactory status. I paid the account in full in XXXX ; between XXXX the account remained in a satisfactory payment status. Yet, again, they have put it back in a derogatory payment status.
Product: Money transfer, virtual currency, or money service

XXXX was deducted out of my twice Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's XXXX indicate that XXXX has not XXXX neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Our mortgage is through Bank of America. We had a leak in our home that resulted in an insurance claim. Because the amount to fix the damage of our house exceeds 20K, we need Bank of America 's endorsement on the check. After overnighting the check to be processed over a month ago and several calls (XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) we are still stuck in their process.

XXXX should examine Bank of America 's lack of service and accountability in this situation. BOA eagerly takes our business and originates the mortgage loan but does not have the support staff in place to assist their clients when something like this happens. This results in us, their borrower, stuck in limbo without money to start work on repairing our home. It also translates to my family, with three young children, unnecessarily out of our home and in a hotel for an extra amount of time until BOA moves forward issuing a check. 

After not hearing anything, I called on XX/XX/XXXX to see where they were in the process. I was told that our contractor 's XXXX was filled out incorrectly and needed to be resubmitted. When I asked if they would have called me and told me this, they said no. They do not make out going calls. There is no follow through on their end to let the consumer know that the XXXX needs to be resubmitted. I asked to email over the corrected XXXX and they said fax or snail mail are the only ways to submit it. I called back again to ensure that the new one was correct and they still only had the incorrect one. I refaxed the correct XXXX 3 times and after following up repeatedly to make sure they had it, I was told on XX/XX/XXXX to just email it. 

They have confirmed that it is now moving forward at an " escalated '' pace ( at least 48hr to  approve the check still and another 48hrs to print the check before it will be mailed. ) I expect so much more of Bank of America and hope that you can assist in having this process changed as it has been awful for me and my family.
Product: Checking or savings account

I got a letter in the mail saying that citi bank was trying to collect the funds
Product: Debt collection

Subject : unifin Dear Credit Bureau, I am writing to formally dispute the accuracy of the information related Unifin, a debt collector. 


I have no acknowledge of this account and Im asking that it be promptly removed from my credit. They didnt provided no information, that I requested them to provided. 

I kindly request an investigation into this matter and correction of any inaccuracies. 
Thank you for your prompt attention to this issue. Please notify me of the results of your investigation at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Mortgage

Funds were first delayed and then not transferred to the company on a purchase of a foreclosed home that I had agreed to buy and was in the process of buying. At the banks discretion, the home was then instead suddenly sold for a substantially lower amount through the use of a 21st Mortgage broker from the local XXXX, AZ area.
Product: Credit reporting or other personal consumer reports

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} 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 Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I have contacted Prosper by Phone and email the post two weeks, and all three times they stated they were working on removing the Annual Fee for Accounts with Auto Pay. Its been two weeks and the Fee is still on XXXX Account.
Product: Checking or savings account

On Sunday, XX/XX/2022 I noticed an unauthorized charge of {$99.00} from a gas station in New York on my debit card. I did not make this charge, and have never even stepped foot in the state of New York. I reported the charge that same night, and was told they would reverse the charge and issue me a new debit card. On Wednesday, XX/XX/XXXX, the charge went through anyway on my account. I called my bank again, and they told me that my debit card had been reissued. I asked them why the charge went through when I had already told them it was a fraudulent charge. The woman I talked to told me she didn't know why.
Product: Credit card

What happened? 
On XX/XX/XXXX, I received a refund of {$1800.00} to my Amex account, resulting in a negative balance of {$1600.00}. 

On XX/XX/XXXX, I requested Amex to refund this balance via a mailed check, and the amount was removed from my account. 

By XX/XX/XXXX, I had not received the check, so I requested Amex to cancel it and instead send the refund via direct deposit to my XXXX XXXX checking account. 

On XX/XX/XXXX, the refund was reprocessed, and I was told I would receive the funds within XXXX business days. However, by XX/XX/XXXX, I had still not received the money. 

After following up on XX/XX/XXXX, I was told the delay was due to holidays, and the latest I should receive the money was XX/XX/XXXX. However, I never received it. 

At the end of XX/XX/XXXX, I contacted Amex again and was informed that, instead of depositing the refund into my checking account as requested, they mailed another check without my consent or any notification. 

To this day, I have not received the check and suspect it was never sent. 

What I Want from Amex : Immediate refund of {$1800.00} via direct deposit to my XXXX XXXX Checking Account. 
Proof of mailing for the check, or confirmation that it was never sent. 
Compensation for financial inconvenience caused by Amexs delays and errors. 
An explanation of why my refund method was changed without my consent. 
Amexs repeated mistakes have disrupted my financial planning, and I need a swift resolution.
Product: Mortgage

A " Deed in Lieu of '' package was sent to me after a 2nd failed attempt to get buyers for the Short Sale of a rental property. My realtor had requested this additional time for the Short Sale since we had a buyer within {$5000.00} of Bank of America 's asking price. Once I read the entire " Deed in Lieu of '' package and realized my obligation would be to leave the property in the condition requested and pay taxes on the amount Bank of America stated in the documents would be reported to IRS, {$3800.00}, I agreed to move forward with this option. Before signing the documents, I called Bank of America, Deed in Lieu of department to verify the Tax amount to be reported to IRS and was told it was accurate. 

The actual XXXX I received last month indicates the amount of debt discharged is {$63000.00}. I called Bank of America to discuss the discrepancy and was told the Deed in Lieu of Dept. made a mistake with the Tax amount. I was told to disregard it and the XXXX was accurate. I argued if I had known this my realtor would have been more aggressive in getting a buyer since we were so close to the Short Sale asking price. I was told it did n't matter. I want to know if I have any recourse with Bank of America and can they be made to lower the amount on the XXXX? 

Let me know if you require anything else. Thanks for your assistance. 

XXXXXXXXXXXX
Product: Checking or savings account

OnXX/XX/XXXXIappliedoverthephoneforacheckingandsavingsaccountatBMOHarrisBank.IclearlyinformedthebankerthatmyaddresswasnotmyphysicaladdressandwasabusinessaddresssinceIamstationedfarfromhomeandBMOHarriswouldnotacceptanFPO.IinformedthebankerthatmyIDandproofofaddressalsocontainedthatmailingaddress.Duringthiscall,Iwasofferedapre-approvedrevolvingcheckinglineofcredit.SheconsultedwithothersatBMOHarrisandsubsequentlytoldmetherewouldbenoproblems.Shelied.Therewereproblems.BMOHarrisrefusedtoopentheaccountsandsentnoadverseactionnoticeasrequiredbylaw.

AftertalkingwithBMOHarrisagain,theirmanagementtoldmethatIshouldapplyagainusingmyactualhomeaddressandtheypromisedtherewouldbenoproblems.Theyliedagain.

OnoraboutXX/XX/XXXXIattemptedtoagainopenanaccountusingmyresidenceaddressandthephonebankertoldmethatinhersystemIwasnotallowedtoapply.Shegavenoreasonwhy.ShereluctantlyconnectedmewithanunnamedsupervisorwhotoldmeIneededtogotoabranchtoapply.

ThefollowingdayItriedtoapplyonline.Ipassedtheverificationquestionsandmyaccountwasopened.Ireceivedwelcomeemailsandwasabletologinonlinetoviewmyaccounts.

OnoraboutXX/XX/XXXXIreceivedaletterfromBMOHarristhattheysenttomyoldmailingaddresswhichwasNOTusedforthisapplication.TheyaskedmetobringID,SocialSecuritycardandutilitybilltotheirbranch.

OnXX/XX/XXXXBMOHarrissentmeyetanotherletterstatingtheydeclinedmyapplicationandfailedtoprovideareason.TheyincludedaDeclinationNoticethatinnowaystateswhytheyrefusedtoopenanaccountthattheyhadalreadyopened.