23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I asked bank of America for what is called a emergency cash transfer. On XXXX XXXX Friday at around XXXX. I have waited for 2 days now. I called over a 100 times to the last 2 days. I keep getting the same answer. It isn't proceed yet and I will get a phone call from a supervisor. Hasn't happened br I get it has been processed and waiting for confirmation number now through a email. Still waiting. They said it was only to take a few hours that Friday I asked for it. And then I get that XXXX XXXX is supposed to call r email me with the confirmation number. XXXX XXXX said no they don't ever do that that bank of America lied and they have the confirmation number to give me .. now an emergency isn't asking for funds and receiving it days later. An emergency is needing it that min. R day. Especially in my case cause my son in Texas isn't doing well he possible might pass away and I can't get there with out my card and money on it cause it's in the mail still and I am not getting help from bank of America like it says I can until I u card arrives on emergency money transfer. Now some one do something XXXX XXXX  it. If I don't c my son. Before he passes. I'm holding bank of America personally responsible
Product: Checking or savings account

Regions bank stole identity and used my SSN as a fake LLC and went back to 2017 when opened account and forged an application of me paying myself as a XXXX to myself so I looked like both the borrower and the loaner and falsified all XXXX MTHS of statements until this mth stealing my savings account and making it the funding account to my deposit only checking account and turned checking account into a credit deposit like pre paid gift card type deal using my employee wages and churning like {$6000.00} deposits out with falsified withdrawals equalling same amount in like XXXX days out of XXXX day billing cycle making me go broke paying myself entire time - changing and forging all my checks and charging {$50.00} fees on a {$4.00} account and undoing all my auto pay bill payments making them late and unpaid and making entire XXXX yrs as if I had no job income and now interest and dividends only and turning into stocks now saying they are my debt collector for fake liens per my dept of revenue tax ID account and stole all interest made on every account and converting into foreign currency and charging 4 % for my electronic transfers btw accounts and pretending I had cash advances and balance transfers and bill pay from them when I was locked out of online account for most of this year forging fake letters sent to me changing my account etc - over XXXX dollars they falsified splitting cycle into half months like {$6000.00} in XXXX  days then another {$6000.00} second half month stealing my collateral credit card opened with {$500.00} own money and said I had line of credit w them and really used it to pay my fake credits worth nothing now as my income in checking account
Product: Debt collection

XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Plaza Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I, XXXX XXXX, am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the account listed below. 

Plaza Services {$8600.00} The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 

Best regards, XXXX XXXX
Product: Debt collection

I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.
Product: Credit card

I noticed a hard inquiry on my credit report at XXXX from XXXX/MILESTONE ( Bank ) on XX/XX/year>, I called them the next morning to let them know it was unauthorized and I never applied for a credit card through them. They took my information and said they would start an investigation here we are in XXXX no investigation was ever done and hard inquiry is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX  ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice on my credit report
Product: Checking or savings account

I opened this account with BMO HARRIS online in XXXX, it was a part of my deceased Uncle 's Estate, deposited by his son, my cousin through his bank -- XXXX XXXX  XXXX , in the amount of two deposits equalling {$16000.00}. Of which I may have used {$500.00} of because they put a freeze on the account about 2 weeks after opening it and never let me have the account back again!! They still have my money today!!

First spoke to a XXXX XXXX in the Fraud department that never got back to me. They then told me to go to my nearest branch and take my ID and talk to the manager -- which I did 3 times even though the bank is like XXXX miles from me, and I had to pay for the ride because I don't have a car. I'm in XXXX FL and they're in XXXX FL. Spoke to XXXX XXXX, bank manager, as well as another worker up front. Told me I'd have to contact the fraud department Again and then do what they say before I came back. Said if I bring my ID then they'd call the fraud department while I was there and try straighten it out, and that was a lie -- after I got there XXXX XXXX would not do anything.So I have been jumping through they're hoops till now, doing everything they've asked of me to do -- - sometimes a few times -- due to email address not right or they'd find some reason to not honor what I sent them. They said to have the issueing bank to send them a " No Harm Held '' letter and they'd release it back to them. The bank tried, but ultimately said they did nothing wrong and wouldn't do any more then. Now they_? -BMO-told me they found no fraudulent activity on the account and there's no problem there. But still wouldn't give back my money. They said they never had a deposit, an account nor did I use any money out of this account. And to have the issueing bank to cut me a new check because I never got it nor used any of it!! That bank refused to do that. My cousin is very frustrated with it all, and is in the hospital now due to an accident. Doesn't want anything more to dye with it. I also lost my Mother during all this, couldn't go to her before she passed away because the bank wouldn't release any funds to me to travel with. No matter how I beg them, plead with them, they still wouldn't give me a dime!! I even hired an attorney that they wouldn't give the time of day to -- even after I gave him a POA to deal with them! He served them papers and still nothing happened at all. They were not phased in the least with him!! So what do I do now?? I'm in dire need of this money to live on ax I am a XXXX XXXX XXXX XXXX woman now. Please help me!!!!
Product: Mortgage

Current mortgage with Loancare. In 201o I was diagnosed with a life threatening illness which forced me to stop working as I needed medical care and few surgeries to save my life. I fell behind on mortgage payments. I then reached out to the mortgage company and applied for a forbearance and then a modification. In 2020 I was approved for the modification. I have submitted all the docs and my modification has been recorded in public records. I am making the modified payment however the mortgage company is still reporting my payment as late and still showing the account in default on my credit report. I have tried reaching out to the mortgage company to correct the status of my account but not getting an answer as to why my account is still in collection status. Please help
Product: Checking or savings account

XX/XX/XXXX cashApp locked my account. I sent email the same day. Customer service stated it would be resolved in 24 hours. I contacted them everyday since the XX/XX/2020. XX/XX/XXXX cash app support sent a email asking me to verify. I replied an hour later. Ive sent emails, and contacted support via XXXX. Still no response and my account is still locked with all my funds. I have a decent amount of funds in that account and now I cant purchase food etc for my  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank XXXX MRVVervent-Revii XXXX Regional acceptance XXXX Flagship Acceptance XXXX Exeter Finance XXXX XXXX Savings Credit Card XXXX XXXX CRBamp XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Credit Card XXXX Capital XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my address on one of the companies websites over a year ago and their records were not updated. They have 3 different websites- equifax XXXX equifax lock & alert and now my.equifax.com. i just need one site with everything on it without having to type a 'dot ' in the name. Also the website locked me out after i put in the correct password. It won't just tell me that i have to change my password-it leaves me wondering why i can't log in. Also when i had to call customer service over this the agent sent me a link to reset my password and after i reset it locked me out again for 25min. After that i was able to log in. This whole ordeal took 40 min when all i wanted to do was temporarily unfreeze my account.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2022, I applied for an American Express credit card and I was denied an extension of credit. I did not receive the credit bureau used to make this decision nor did I receive proof of any reason to why I would have been denied an extension of credit of {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to unlock my credit report that is frozen with Experian. I have tried online and all they tell me is " We're sorry. We were unable to honor your request ''. I tried to unlock my credit report so that I can apply for a new loan. I followed the online form on their website only for it to tell me that my information is not valid and that I could either mail in my identifying ( proof of identity, citizenship though social security card, and bank statements for address verification. I tried to call the number and all it does is play an automated recording, I tried to upload the documents and they gave me the error above. I am currently working overseas and do not feel comfortable mailing all these personally identifiable documents in the mail. Their website offers no other resolution other than mailing their phone number only offers me the same mailing solution.
Product: Vehicle loan or lease

XX/XX/XXXX two payments of XXXX & XXXX were made to cover XXXX and XX/XX/XXXX statements. ( After a long communication where the lender failed to make a one time due date change in XX/XX/XXXX ). XX/XX/XXXX a Credit was made to the account for XXXX by the lender as well as XXXX day lates removes from credit report and 2 -60 days late changed to 30 days late by XXXX XXXX ( a rep from the lender ). Mrs. XXXX said this would get us current for XXXX. XXXX payment ( due XX/XX/XXXX ) was paid XX/XX/XXXX ( XXXX ), XXXX payment made XXXX XXXX XXXX ), XXXX payment made XX/XX/XXXX XXXX XXXX ), XXXX XXXX and XXXX were deferred due to corona virus but more payments made XX/XX/XXXX {$400.00}, XXXX XXXX, XX/XX/XXXX XXXX. 
The company reported XXXX XXXX and XXXX late on credit report. The rep who had been assisting has left for retirement late XX/XX/XXXX and we are getting no where. Additionally they are still saying I owe XXXX for XXXX but Ive clearly overpaid since the first of the year. 
This has greatly impacted my credit since XXXX of XXXX when the due date change was never placed as I was told it would be when my request was made. The lender also continues to charge late fees when Im not late. 
Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ).

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly.

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately.

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA.

Please mail your response to my address listed above.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Student loan

I have a letter from Aidvantage on XX/XX/XXXX stating my balance was {$180000.00}. I made a {$1900.00} payment on XX/XX/XXXX that decreased my balance to {$180000.00}. 
My total loan balance has been {$180000.00} since placed in the SAVE forbearance with 0 % interest. I made a {$1000.00} principal payment on XX/XX/XXXX and not only did my balance not decrease to {$180000.00} as planned it Increased to {$180000.00}. I need to understand how my balance is increasing at 0 % interest and why after making a payment did it increase after it has been the same balance since my last payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transferred my Mortgage to XXXX XXXX XXXX XXXXXX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX  a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX  were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX  account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA XXXX XXXXXX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX  been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX XXXXXXXX, Equif, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX  are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX  and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. XXXX  are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to re-dispute the late payment on the activities credit card and after speaking with the cardholder company XXXX XXXX XXXX XXXX ) I was told that there was no late charge on my account and talked with the credit bureau. 

the other two company information is not correct and they only allow you to choose from a single statement and want to allow why the information is incorrect. I request a copy of the investigation and have not received them this is the 2nd request. i
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX FIN XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries XXXX/XXXX  XXXX  CARD XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX MT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( Equifax XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.