23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Affirm Inc flagged my credit report as being 30 days past due. On XXXX XXXX XXXX  I contacted XXXX to dispute the inaccurate reporting by Affirm. I provided all documents to XXXX to validate that my account was inaccurately flag. 


Dispute Details : Account with Affirm was opened on XX/XX/XXXX with payments due on the XXXX of each month. On XX/XX/XXXX my monthly payment was made with the next payment and the next scheduled payment due on XX/XX/XXXX. However, I made the final loan payoff made on XX/XX/XXXX. This XX/XX/XXXX layoff was only 9 Days past due of my XX/XX/XXXX due date. This was not 30 days past due. 

On XX/XX/XXXX I received an alert from XXXX regarding the results of the dispute. The dispute read that there is no change to my credit file stating that Affirm reported the 30 days past due as accurate information. This was upsetting to say the least considering how hard I work on keeping my credit in good standing.
Product: Mortgage

Wells Fargo will not let you pay a mortgage off at any of it 's branches. You must call a number to get your payoff amount. Then you must ( " XXXX a check or wire the money to them " ) this is what I was told. I pushed back and they said If they took the interest out several days the payoff would change but I could mail the check. Now you mean to tell me they do n't have the ability to do this in branch. They accepted every other payment on my mortgage at the branch.
Product: Mortgage

My home mortgage was with Bank of America. I has a corona virus related deferral for 6 months on my account. I called the bank on XX/XX/2020 to Cancel the deferral and start making payments they took 1 payment and put it towards the future and didn't cancel the deferral. called again on XX/XX/2020 begged to cancel the deferral and pay for deferral amount they told me it will take 4 business days to be applied on my account. I was trying to refinance with another firm XXXX XXXX to get a better interest. 
I kept calling Bank of America every day for 12 consecutive days, stay on hold for average 8 hours daily, they told me we can't apply the amount the system can't do it which resulted on me having to pay {$4200.00} to XXXX XXXX to extend my lock rate. 
Having unpaid deferral on my account prevents me from refinances that's why I payed and canceled the deferral but bank of America didn't finish the job in the promised time which delayed 2 refinance loans I was working on with XXXX XXXX. 
So basically at the time Bank of America was getting interest on my money that they didn't apply for my loan ether as malpractice to keep me from refinancing or just being incompetent they made me lose {$4200.00} for not following the time frame they gave. 
I'm asking Bank of America for my expense not including the hours I spent on this matter until it got solved.
Product: Credit card

Chase Bank phoned me to state that someone in North Carolina opened a credit card in my name with my social and XXXX without my knowledge or permission. The amount on the card was {$9500.00}. The person tried to use it but Chase stopped it from happening. Chase has canceled the card and gave me this case # XXXX.
Product: Debt collection

I keep trying to explain to MIDLAND CREDIT MANAGEMENT ( XXXX XXXX XXXX ) that I have been XXXX since XXXX Any debt after that date was considered Identity Theft. I have documentation proving my length of XXXX. I also would like to implement 15 USC 1692 c ( c ) but was informed that I should still pay a debt that Im not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 1. XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX OF XXXX Inquired on XX/XX/XXXX 4. XXXX BANK Inquired on XX/XX/XXXX 5. XXXXXXXX XXXX Inquired on XX/XX/XXXX 6. XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the letter I sent out and the tracking numbers are listed in the added evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.Im not sure if the bureaus XXXX Equifax or XXXX have their own interpretation of the law but there are standard operating procedures used to verify information and it wasnt properly done because as you can see there are still many inconsistencies within my report see attached documents for highlighted items. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report Listed in the attached documentation lists violations and items that need to be deleted because they are reporting inaccurate across all three bureaus.
Product: Credit reporting or other personal consumer reports

I had been victim of identity theft in XXXX I tried to open up employee account at XXXX and I find out some one opened a XXXX credit card and XXXX XXXXXXXX credit card under my social and name. Address and email was totally different from my original address and email. As soon as I found out I called XXXX XXXX and XXXX to dispute the transaction. I also filed a police report and sent it to XXXX and provided the case number to XXXX XXXX. I have disputed through exertion and called XXXX to double check. They cant find anything on my report. When I checked my credit report through XXXX XXXX it says the claims had been disputed. XXXX XXXXXXXX is sending me letters through debt collecting company called XXXX XXXX to file a law suit against me. I have never given anyone my social except from the brokers and Bank while buying the house. I am not sure how my social had been compromised. I have no XXXX XXXX account to check my credit report and never realized someone opened up credit cards. I only have one credit card with XXXX XXXX I have no other credit cards. Police Case number XXXX.
Product: Mortgage

In XX/XX/2018, my mortgage loan was transferred from XXXX XXXX XXXX c/o XXXX XXXX to XXXX XXXX XXXX c/o Specialized Loan Servicing LLC. 

I sent my XX/XX/XXXX payment ( amount XXXX ) to the new address ( XXXX XXXX XXXX, XXXX GA, XXXX ) with the old loan account number on the check. The check was cashed on XX/XX/2018 by Specialized Loan Servicing electronically and not credited to my account. 

I contacted SLS on XX/XX/XXXX explaining the mistake. A ticket was open to research it.

Resolution date from SLS is given as XX/XX/2018. That is after the RESPA protection window, so I may be subject to fees, penalties for this misdirected payment. 

This is not a timely resolution for a simple misdirected payment, in my opinion. And that my check was cashed and held by the servicer means that I would have to make double payments to bring my loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) XXXX1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I applied for a student loan consolidation product from Common Bond. I have excellent credit and always pay my current bills on time with no trouble. I 'd like to take advantage of lower rates in the current marketplace. Common Bond 's marketing products suggested that a cosigner would help me get a " better '' rate. Common Bond 's advertising materials made me feel as if I would be eligible for a good rate based on my excellent credit, good income, and good payment history. Additionally, my husband would have been happy to cosign. 

When I finished the application, I was told that I need a cosigner with an annual income of {$80000.00} to qualify for any loan. This requirement came AFTER Common Bond pulled my credit report, and Common Bond made no previous mention of requiring a cosigner with such a high income. 

I feel that this is a deceptive marketing practice and it unfairly limits my access to credit. Common Bond has wasted my time and potentially damaged my credit report. I have made payments on my current student loans for three years with no problems, and feel that I should qualify, especially because student loans with lower interest will be even easier to pay.
Product: Checking or savings account

SoFi Bank, N.A. closed my account last year in XXXX due to an overdrawn balance of {$50.00}. Since then, I have attempted to pay that balance but the bank does not allow me to do so and refuse to provide information about who the overdrawn balance has been referred out to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this concerns : Im initiating this complaint because of some concerns I have about the way the credit bureaus continue to report negative Items on my report even after I have twice sent certified letters asking them to delete the negative accounts. I have stated in my letters to XXXX, XXXX, and Equifax that I have never entered into a contract with the below mentioned companies and I requested that they send me a signed document of my contract with the companies mentioned below. I am aware that under the FCRA guidelines the credit bureaus are responsible for ensuring that they are reporting all accurate information as this could adversely affect consumers in a negative way. I am also aware that when you contact the bureaus concerning an Item which is not correct they are responsible for showing proof of the legitimacy of the items being reported. In my experience I have sent two rounds of certified letters and have waited over thirty days for responses both times. The initial letters yielded responses back from the bureaus within the 30 plus day time frame. With the second round of letters I have only received one response from XXXX stating they would not re-investigate my dispute anymore because the accounts were verified on their end and I would have to contact either the companies or an attorney to prove that the accounts reported do not belong to me. They also refuse to send me the documentation I requested which is for the accounts to be verified and shown that they are accurate and valid accounts of mine. The accounts in question are as follows. XXXX XXXX XXXX ( XXXX, XXXX ) XXXX/XXXX/XXXX {$680.00} XXXX XXXX XXXX ( XXXX, Equifax ) XXXX/XXXX/XXXX {$990.00} XXXX XXXX ( Charg e off XXXX, XXXX closed sold off ) ( Equifax transferred ) XXXX {$120000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to dispute and request the immediate removal of an inaccurate credit account from my TransUnion credit report. The account in question is related to a XXXX XXXX card service and has been inaccurately reported for the past seven years. This erroneous information has greatly tarnished my creditworthiness and compromised my financial stability. 

I have taken proactive measures to address this issue with other reporting agencies, whereby the disputed account has been duly removed upon proper verification and investigation. However, it appears that TransUnion has failed to acknowledge this resolution, thereby placing an unnecessary burden on me without sufficient cause or justification. 

The discrepancies within my credit file are not only damaging but also constitute violations under several provisions of the Fair Credit Reporting Act ( FCRA ). As per my understanding of this legislation, I would like to bring your attention to the following breaches : Section 611 ( a ) ( 1 ) ( A ) " Permissible Purposes '' : Based on this provision, TransUnion is required to ensure that the information contained within my credit report is accurate and reflects the true state of my credit history. The inclusion of this inaccurately reported XXXX XXXX card service account directly contradicts this requirement. 
Section 607 ( b ) " Accuracy of Information '' : TransUnion is obligated to conduct a reasonable investigation into any disputed information found within consumer credit reports. Despite fulfilling the necessary steps to rectify this matter elsewhere, TransUnion 's failure to promptly investigate and remove this inaccurate account constitutes a violation of this section. 
Section 611 ( a ) ( 5 ) ( A ) " Prompt Notice of Reinvestigation Results '' : According to this provision, TransUnion is required to inform consumers of the results of any reinvestigation conducted. I have not been provided with any notice regarding the status or outcome of the investigation into my dispute, which further suggests non-compliance with FCRA requirements. 
In light of these aforementioned FCRA violations, I kindly request that TransUnion : I thank you in advance for your prompt attention to this matter. Your swift action will greatly assist me in resolving this unfair situation and restoring my accurate creditworthiness.
Product: Checking or savings account

Im writing to express my frustration and disappointment with Citibank. Ive been a customer for many years and I believe I deserve much better treatment from them. 

I received a personalized email from the bank which they encouraged me to share with my friends or family. Once a friend opens an account using the link and keeps the account in good standing I would receive {$100.00} bonus within 90 days. 

So my friend opened an account on XX/XX/12, but I havent received any bonus. The bank doesnt share their email address, you can only chat or call them. I tried to chat first. Talked to two people, an associate and a supervisor. They refused to help, trying to get rid of me by convincing me to call the dedicated team about it. What dedicated team they were referring to?? Everyone in that call center was absolutely clueless. Five people were bouncing me from one to another and none of them had any idea about the promotion. I spent an hour on the phone and hadnt heard anything intelligent or useful. 

Unfortunately for the bank i have the promotion email and my communication with them saved, which I will include in attachment.
Product: Debt collection

Hello, When I received this debt, i requested a debt validation. The amount of this debt was under XXXX. 

The collection agency has inflated the amount of the claim and is reporting in correct balances. I wrote a written request equifax some time ago, however I received an automated response no real research was done. 

CHOICE RECOVERY INC Last reported XX/XX/XXXX {$710.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX
Product: Debt collection

EOS CCA is ignoring instruction from XXXX to remove a collection account that has already been proven the result of identity theft. XXXX has proven that they have continuously notified EOS CCA since XX/XX/XXXX that my account has been established as fraud and to withdraw this collection. I have repeatedly called EOS CCA throughout this week, and they continually refuse to acknowledge that their CONSUMER RELATIONS DEPT. has any receipt of instruction from XXXX to close the account. EOS CCA continues to pursue my payment of a debt that I do not owe and has long ago been established as fraud.
Product: Credit card

I made some balance transfers to this Capital One account on XX/XX/year>, to have funds available to make a big purchase, but when I realized that I was going to get a purchase transaction fee I decided to go another route, and decided on XX/XX/XXXX to give them a call and ask them for a refund check. 
They said that they needed to investigate the proceeds were not fraudulent, and that they needed 7 business days to complete their investigation, and if they were to have any question they were going to contact me by phone.

I never got any phone call from them, and after waiting long enough I called back again on XX/XX/XXXX to find out the status of my request. They said that the fraud investigation wasn't completed yet, and that I needed to wait an additional week to get my funds. 
I waited until XX/XX/XXXX, and the Acct Manager said that they completed the investigation and the funds were approved to be sent out on XX/XX/XXXX, but the check wasn't written yet, she was glad that I have called in to make this to happen, so she said to give it another week and that my check should arrive by then. 

I waited until XX/XX/XXXX since my check had not arrived, I asked to speak with a Supervisor or Manager and I spoke to XXXX ( Worker ID : XXXX ), she promised me to call me back today with an answer to my claim but nobody has called me so I did call again today and spoke to another Supervisor also called XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; this lady said that the fraud investigation is still ongoing and that they don't have a time frame as per it will be completed, so I asked her to file a formal complaint but I suspect she did nothing and she was talking to me in a ironic way, I said that I'm tired of being asking for my money for what I'm already paying fees and interests but they are still holding it without any valid reason, I told her that they are causing me a big damage, and I asked her if they are going to pay me interests on the money they are holding and she didn't provide me with an answer. 

She said exactly the same recording I was told over and over again ( the case is still under investigation and someone will contact me soon ) and based on her attitude I don't expect much cooperation and resolution on this case after more than 5 phone calls claiming for my money.

I need this money asap and I can not keep waiting on these people any longer. 
I also asked them to update my name after I became a XXXX XXXX, so they can send the check under my new name. The agent said it was going to take effect immediately, but then when asking an update about the refund I got transferred to this XXXX XXXX, and she said that it's going to take 7 business to make the name change, in order to keep delaying the whole process even longer. 
Please help!!!
Product: Mortgage

We have contacted Rushmore Loan Management multiple times about removing our Private Mortgage  Insurance. They continue to give us the run around and fail to reply back to us. They told us via mail that we qualified to remove our PMI. They told us the loan to value had to be below 80 %. And denied us an appraisal. We had to file a complaint with the BBB to get them to order an appraisal. The appraisal, which they refuse to furnish a copy to us, they state shows a 78.8 % loan to value. This is below the 80 % stated they told us via the telephone. Now they are telling us it has to be below 75 %. The actions of this company are criminal. We have been fighting with them since XXXX XXXX  2017, 8 months at the time of this complaint, to remove the PMI.
Product: Prepaid card

The American Express gift cards are rarely accepted as payment from vendors. I receive {$25.00} gift cards after spending a certain amount via my American Express card. I attempted to use the card XX/XX/23 at XXXX grocery store in XXXX XXXX and I'm informed " Not authozised. '' I attempted payment via self-checkout and then contacted a clerk who attempted to use the card via her check-out system and " Not authorized '' occurred. This card doesn't work at my local XXXX station either. 

I contacted the number on the card and was informed I would need to have exactly {$25.00} worth of groceries for the transaction to work. My bill was {$31.00} at the grocery store. Its impossible at a self-check out to somehow pay {$6.00} on one card to use the American Express Gift Card . I've also tried to use the card to pay a much lower amount than required and it also didn't work. 

I've been given XXXX gift cards and none of these problems are an issue.