23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint goes back to the beginning of a loan modification with Bank Of America starting XX/XX/XXXX. The BOA rep ( XXXX ) that was handling the account continuously requesting the same paperwork over and over again, even though it was faxed many times, and I know they had it because I had done all the paperwork myself. The rep ( XXXX ) also lied more than XXXX to me during this procedure. The rep dragged this modification out until XX/XX/XXXX in order to take almost every penny of equity out of the house when she knew that she was going to deny the modification because it was not the mortgage holder 's primary residence. Well according to research I have done " The Obama Plan '' states the loan can be modified if it is a XXXX residence, and can be occupied by a family member ( I am daughter ) that does n't pay rent. So this rep was blatantly denying this loan in order to steal the equity out of the house, and now they are trying to take the house also. BOA has sent many Fed Ex envelopes with contacts of about XXXX different people ( which there should only be XXXX ), which I have never spoken to any of them except the latest person ( XXXX ). I have left voice mail messages with many of the people on the letters with no response from them. I believe this is BOA 's scam and they think that people are just going to give up and let them take the house and the equity. Well that is not my case. I will not give up until I get all the fees, interest, and lawyers fees back from them. This has been my home for 20 years and I will not give it up without a very good fight. I am currently working on a loan modification with another rep right now and think it will be successful. There are many loan modification options for a borrower whether it is their primary or XXXX residence. This is criminal on behalf of BOA and something needs to be done about their procedures ( if they actually have any ). Per a report on the internet each loan modification rep has over XXXX applications and get a {$500.00} bonus for every XXXX loan modifications they deny a month. Employees are the ones that reported this. Please help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on my credit report was not verified as required under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). After providing them with numerous documentation, their response was the Bankruptcy was verified. On XX/XX/2018 I provided Equifax with a letter from the Bankruptcy Courts here in XXXX XXXX XXXX, FL. Stating they do not report to them. I also provide them with a copy of the XXXX XXXX freeze letter from them, explains the freeze on my account with them. Equifax has failed to verify or Vaildate this account on my credit report.
Product: Vehicle loan or lease

A car that I purchased was a XXXX XXXX and country from XXXX XXXX XXXX in New Jersey the car on the site was {$3000.00} when I got to the dealership I paid over {$4.00}, XXXX and total the car cost {$5000.00}. A car engine light was on I told him I'll take it when they turn it off and fix it he told me I had to drive it and I have two year warranty. Long story short I got 4 months out of it it broke down on me I took it to XXXX XXXX in XXXX New York and they had it for over 4 months because credit acceptance third party insurance agent would not come out so they told the car back to my residence I took the plates off and it got towed all the while this was all happening I contact credit acceptance and the dealer and I've got no help but they still want my money which is the remaining balance which is {$1100.00} and I will still be without a car.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information thats on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report.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
Product: Credit reporting, credit repair services, or other personal consumer reports

After attempting to obtain credit on an auto purchase, I received a letter in the mail stating the application had been declined in part due to my XXXX score. I have a 700+ FICO score with the major three reporting bureaus, but have never even heard of this company. Per their website a freeze/copy of the report can be obtained over the phone or by faxing or mailing my sensitive personal information ( SSN/DOB/Copy of ID etc. ) to them. After attempting contact at the number provided per their website, I was notified this can only be completed by sending the below. I am not comfortable with this, additionally their website is misleading as it states, " If you would like to request a security freeze, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 )  submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year )
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : 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 It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Prepaid card

A real debit card with chip was sent to me in the mail without my request for it or any application on my part. The advertising says the future is looking bright. All you need to do activate your card to start spending I feel this is predatory because I didnt apply for it and what if someone else took it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, account XXXX, is showing on Equifax to have an available credit at XXXX and that I'd incorrect, this is having a major affect on my credit utilization and I want this corrected to show the correct available credit at XXXX. I have requested this to be fixed numerous of times and it has not been corrected. Please correct this error on my credit report.
Product: Credit reporting or other personal consumer reports

Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's determinative that privilege to report was executed adequately and in a settled and firmly established certifiable compliant manner, even to the mandates in accordance with the XXXX required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Product: Student loan

I took out a {$10000.00} XXXX loan to aid in XXXX interview travel in XX/XX/XXXX with a payment term of 240 months. I fell behind in repayment in the mid to late residency and fellowship training. Upon completion of XXXX XXXX XXXX and entry in into the medical work- force, this loan was paid in earnest completing repayment in full XX/XX/XXXX well under half of the loan original repayment term. This loan was repaid through the same servicer, Navient, as my XXXX other federal loans. It was repaid first. I noticed that as I repaid each of the other loans their status on the website changed to " paid in full '' from " in repayment. '' The aforementioned XXXX did not make this change. It continues to be listed as in repayment. I have discussed the the customer service representatives from Navient in an effort to determine why this loan was listed as in repayment, furthermore, I have noticed that this loan has been listed in my credit reports as closed as a write off in excess of {$12000.00} dollars whereas all other loans that were subsequently paid in full are listed as closed and paid in full. This is negatively impacting my credit. 

I have contacted the customer service at Navient on multiple occasions each time with the same outcome, the Customer serice representative s ( CSRs ) of Navient for the division that works with the website and federal loans explain that they have no role in private loans and the CSRs in the private loan division state that they have no control over the way the loan is listed on Navient 's website. On my second attempt to discuss the website listing the loan as 'in repayment, ' the CSR reported to me that both of here supervisors refused to speak to me when I appealed for there assistance with this issue that had proven too complex for the CSRs and then the line suddenly became disconnected. 

As the issue issue above appears on my credit report as a derogatory mark, I have requested the CSRs from Navient 's private loan division to send a letter documenting what they reported to me the found on the phone -- that the loan repayment was complete and paid in full. When I received the letter it was dated XXXX/XXXX/XXXX and it stated, " On XXXX XXXX, XXXX, we received the final payment of {$1.00} for the private student loan referenced above. Once the funds clear, we 'll consider the loan to be paid in full and will notify the consumer reporting agencies of the updated status. '' Thus, after 18 months this {$1.00} payment remains pending clearance and despite the assertions by Navient CSRs the the loan is repaid in full their websites, official communications and reports the the credit bureaus are not reflecting this. I do not understand how this {$1.00} payment has remained uncleared and in limbo fo this long and am requesting assistance as this error has impacted me financially in a negative fashion and I have been unable to get it addressed via Navients Customer service system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30-60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Prepaid card

I used my cashapp card at a XXXX XXXX. Cashapp tends to hold fees after I checked out and it's for 31 days. I contacted cashapp and they requested To expedite this process, provide a letter from XXXX XXXX XXXX XXXX confirming the date they released the hold, or a receipt that shows a final balance of {$0.00}. This documentation must include the following : - Amount of the transaction or XXXX XXXX balance on the final bill - Date - Merchant contact info or logo I supplied the requested Information and they won't release.my funds much less tell.me.why they won't
Product: Prepaid card

I have tried to use my American Express gift card for {$500.00} at XXXX, XXXX, XXXX and more and the card does NOT go through anywhere. I have been trying to use it for the past two years and gotten nowhere. Its getting extremely frustrating and I feel like I will never be able to use the card anywhere ever. I have checked the balance and the full amount is still available, just completely inaccessible. I just want to be able to use the money!
Product: Credit card

I ordered a product online but when I received the package was empty so I contacted the merchant first, which told they would open an investigation and follow up with me but they never did. Then I contacted XXXX XXXX and sent them all my evidences, they gave me my money back. Unfortunately my Costco XXXX XXXX credicard was not longer valid, Costco and XXXX XXXX ended their business relationship and all accounts was transfers to City. City without my knowledge return the money to merchant and is charging me the amount. I called City customer service and explained the situation but they totally washed their hands.
Product: Debt collection

Paid my debt off in XXXX and they are still contacting me saying I owe it
Product: Credit card

I am writing to formally request the reason for the closure of my Best Buy Citibank credit card account associated with [ XXX-XXXX-XXXX- XXXX ]. This decision is motivated by a series of concerning incidents and unresolved issues that have severely impacted my trust and confidence in CITI Bank 's services. 

On [ XX/XX/year> ], I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding several issues I encountered with my account. Subsequently, I received a call from a representative that did not adequately address my concerns and demonstrated a lack of professionalism and empathy. 

Furthermore, I have experienced ongoing problems with my account, including : Incorrect Over-limit Charges : My account repeatedly went over the limit due to recurring interest charges, despite no new transactions. This was exacerbated by an incorrect payment processing issue when I attempted to rectify the situation with a {$1000.00} payment. 

Unresolved Payment Issues : Despite multiple attempts to cancel a payment and numerous calls to Citibank, the incorrect payment amount was processed. This led to further complications, including the closure of my bank account for alleged fraud, which Citibank attributed to erroneous information regarding my credit score from XXXX. 

Retaliatory Account Closure : Following my complaint to the CFPB and the unresolved issues with my account, I was informed by CITI Bank representatives that canceling a specific payment could result in account closure and affect my credit. Despite multiple requests to cancel this payment, I was unable to do so. This threat was carried out, resulting in the closure of my account, which has had significant adverse effects on my financial stability. 

These issues not only caused financial inconvenience but also led to the unwarranted closure of my bank account, which has had significant implications on my financial affairs. 

I would like to bring to your attention that according to the rules and regulations governing credit card issuers, including but not limited to those set forth by the Consumer Financial Protection Bureau ( CFPB ), customers are entitled to fair and transparent treatment, accurate billing, and timely resolution of disputes. The actions taken by Citibank in my case have not adhered to these standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted claim through CFPB with claim number XXXX. Company stated in XX/XX/2022 that they would send my file back to the original creditor and remove the collection from my credit report. However it is still on my report. I would like the company to submit the removal of this collection to all three credit bureaus ( XXXX, XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

I'm a survivor of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. If it's not too much trouble, help
Product: Mortgage

/ On XXXX/XXXX/XXXX asked my banker { XXXX XXXX } to help me get a " payoff instruction '' from XXXX. After many minutes of phone frustration finally got to a recording allowing a voicemail where we could request a return call from them. NO LUCK. NO RETURN CALL.
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic, the XXXX provided accommodations on my loan due to a hardship. The loan was reporting late XXXX times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the XXXX nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the XXXX credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The XXXX payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the XXXX payments in question.
Product: Credit reporting or other personal consumer reports

Information on collection accounts are not being reported accurately to each of the three credit agencies. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting incorrect and inconsistent information to each credit agency.
Product: Prepaid card

I have a card labeled reward card {$270.00} This card was misplaced and has expired when I go to the website of the issuer I states the card is expired and. It eligible for replacement. There is no one XXXX help or inquiry method other than an automated help section. I have no method to Apeal nor a way to see why the balance was at the time of expectation. 

The company is prepaid digital solutions The website is XXXX
Product: Debt collection

I received a phone call on XX/XX/2022 by someone named XXXX who claimed to work with Wilber and Associates. They left a voicemail, and I called back because I thought it was a lawfirm as they pose as one. He did not ask for any identifiable information, and told me that I owed them money. He did not say the amount and when I asked for him to email me the report, I never received one. I have yet to receive another call, however, someone I used to be associated with but haven't spoken to in over a year, received something in the mail regarding the owed amount and they opened the mail and called Wilber and Associates, who proceeded to give them my personal information and the amount owed over the phone. Thet stated that they are unable to reach me despite me having spoke to someone on the XXXX. I told this person over the phone that I moved addresses so it was possible it was not making it to me, but they did not ask for my new address. Either way, they gave my personal information out to someone who is not me nor in relation to me. I am not sure if I am being scammed, but if it is real I feel more than one violation has occurred.
Product: Debt collection

Associated Credited Services is repeatedly calling my phone. When I answer they drop the call. Im not sure why they are calling me. I have not received any notices in the US Mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to remove inaccurate fraudulent information on my credit report. They are in violation of the FCRA. I have tried to dispute this information to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for insurance with XXXX on XXXX XX/XX/2020. XXXX declined stating Trans union reported to XXXX The number of bank installment accounts is 3. I called Trans Union and they could not identify 3 open bank installment cards for myself. As a result my home insurance increased $ XXXX and I received no bundle discount for home and auto. I have two credit cards one for me and one for my wife. I pay my 2 credit cards fully every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so may credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( Transunion, XXXX & XXXX  ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with TransUnion and XXXX it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.