23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took a refinance mortgage with Quicken Loans Inc on a condo unit I owned in XXXX about two years ago. I was making a payment of {$620.00} a month. On XX/XX/2019 I received an email notifying me that my taxes on that property were paid, which was odd because I always receive the bill from the City and pay my taxes. I contacted Quicken Loans via email and they told me that they received an undelivered mail from the city that prompted them to establish the escrow on my account and pay the taxes and also increase my monthly mortgage payment. I told them that bill must have crossed in the mail and I also told them that I went ahead and made the payment in full on the taxes on the city website. I provided them the receipts of the payment via email as asked them to removed the escrow as it will mess up my online banking. I provided them the contact number of the City of XXXX and told them that the clerk confirmed to me that Quicken could verify my payment with a phone call. All they need is the account number associated with the property. They got back to me and said they could not do this and the escrow will remain on my account because they have the right to establish it. I asked them to put my account in dispute and to provide me with the proof that they have the right to establish an escrow account and increase my monthly payment without my knowledge but they never did. I also ask them to provide me with the agency they use for arbitration but they got back to me and said there is no process to dispute this via arbitration or any other way. A few weeks later I started to receive late notices stating that I was delinquent on my loan even though I was making my regular $ XXXX monthly payment 30 days in advanced and I have never been late. This payment was automatically setup from my bank account to go 30 days before the due date and it is still going out every month. 
I tried several channels including calls, emails to try to resolve this issue but no one at Quicken seems to make any effort to resolve this issue. Quicken has been reporting me as delinquent every month since XX/XX/2019 because of the shortage from the escrow account they established. My credit score dropped more than 100 points when Quicken started to report me as delinquent. They also keep charging me every month a late payment and sending me notices of foreclosure on my condo.
Product: Checking or savings account

I, XXXX XXXX, have a Bank of America ( BOA ) joint checking account with my mother XXXX XXXX. The account number is XXXX. In XXXX of XXXX, My mother and I requested that my sister, XXXX XXXX, be added to the account. XXXX and XXXX are located in NC, and I am located in MA. The three involved parties went to thier respective BOA offices, filled out the required paper work, had them notarized, and the forms were submitted by BOA for processing. By XXXX, XXXX had not been added to the account. The three involved parties again went to BOA branches, and told representatives again about the request, and that the transaction had not been completed. We were assured by BOA that the problem would be resolved. By XXXX, XXXX had again not been added to the account. I went to my branch at XXXX XXXX XXXX in XXXX MA and spoke again to respresentative XXXX XXXX ( XXXX ), who again promised to resolve this problem. I gave him a week to resolve the problem, which expired on XX/XX/XXXX. I have had no communication from BOA since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Inquiry XX/XX/2022 Unauthorized/Please Removed XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed CBNA CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX : Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX Financial Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 Unauthorized/Please Removed XXXX XXXX XXXX
Product: Debt collection

I have been trying to obtain any documents about the debt in collection and all I am being told is to enter a settlement with them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

I am writing to formally lodge a complaint against Bank of America regarding misleading information provided to me about a debt cancellation program, as well as the unauthorized duplication of monthly fees on my account. Below are the details of my complaint : XXXX. Misleading Information : In XX/XX/year>, I contacted Bank of America to inquire about a program to cancel my credit card debt. 
Over the phone, I was informed that I could cancel my debt in XXXX installments ( XXXX for each credit card ) with a 5 % interest rate and that my debt would be cleared within XXXX years. 
The information provided was never verified in writing, and I did not receive a written contract outlining the terms discussed. 
XXXX. Unauthorized Fees and Lack of Transparency : Over the past XXXX months, Bank of America has been duplicating my monthly fees without authorization. 
When I contacted the bank to address these unauthorized charges, they refused to provide a claim number and failed to reverse the payments. 
The bank did not advise me that the debt cancellation process would significantly impact my XXXX XXXX, nor that my credit cards would be removed as part of the process. 
I have repeatedly asked for clear information regarding the length of the payment period, the interest rate, and the timeline for debt cancellation, but have not received satisfactory responses. 
XXXX. Attempts to Resolve the Issue : I have spent considerable time on the phone with Bank of America XXXX, attempting to resolve these issues. 
Despite my efforts, the bank has refused to reverse the erratic duplicated fees and has not provided a claim number for my complaints. 
XXXX Requested : XXXX reversal of all unauthorized duplicated monthly fees. 
XXXX and written documentation of the terms of the debt cancellation program, including the interest rate, payment period, and impact on my XXXX XXXX. 
An apology for the misleading information and lack of transparency. 
XXXX that my credit report will accurately reflect my credit history without undue negative impact from this process.
Product: Debt collection

I ask for a payoff quote total amount I sent certified mail my intentions some definitions and it my attempt to settle allege debt I sent a payment coupon from my statement and a XXXX for acquisition or abandonment of secured property both were endorse with my signature XXXX XXXX XXXX XXXX XXXX, XXXX. and the answers I got from select portfolio servicing XXXX were from we don't accept those kind of payments or it was shredded to receiving definitions only to twisting my words when letting them know of my intentions to what I want to accomplish to settle my allege debt to demanding my two instruments wanting mailed back to me if you don't take those kind of payments
Product: Bank account or service

there are XXXX issues with my bank account at chase bank. the first is from XXXX 2014 that I want to bring up. I was traveling to XXXX and requested XXXX currency to take with me. I asked about any fees with that the currency transaction and they said " no ''. I asked more than once. later after I received the money I found out they use a lower transaction rate ( a fee in effect that was very high ). I tried multiple times to return the money as I was misled and they said they could not do that. I feel that this was a very misleading practice from chase - saying there was no fee when there really was in the form of a lower rate. I was going to let that go ( obviously I did not file anything with the cfpb ; I did complain to chase and they did nothing ) but recently there was another troubling issue so I thought I would it add it as well. the most recent issue occurred in the last couple of months. all of sudden the address on my account changed - to an address I used over 10 years ago! ( and to add ... I had closed all my account back then and left chase when I moved away - then when I moved back I opened a new account about 3 years ago. ) I found out when I went in the local branch and they asked me to verify my address. I gave them my current address and the one before that and they said both were wrong. finally they told what address was in there and I was very perplexed as to how that could happen - that a 10 year old address would be there. they said they would look into it and email me ( they wrote down my email ) or call me. I never heard a word form them ( including the manager who was there and said she would handle it ) so i wrote to chase online to try to get answers. so, I have asked about it and no one will give me an answer. when I sent an on line message to get answers they say they will only call - not document anything - and they said they tried to call me but said the number they tried was no longer in service. I checked my chase profile and my correct phone number is in there. anyway, I am very concerned that they would just change my address for no reason on an old account - what else could be changed that I am unaware of?? the old address was also used by my ex wife so i 'm not sure if she had access to any of my acocunt. it 's very scary and upsetting. I 'd like to know what happened and how they are going to ensure it does not happen again. thank you.
Product: Debt collection

I made a payment to XXXX XXXX collection agency on XX/XX/year>. I contacted the company to let them know that I made a payment of {$1000.00} and asked if there would be a settlement that I can take to pay off the remaining balance. The young lady I spoke with was very rude very dismissive. I asked about my credit. She advised that it will be reported negatively of the balance is not taken care of I advised this is why Im asking about a settlement so I can see about making payments or is there any way to set up smaller payments? I advise her that she was being very dismissive. She then hung up the phone in my place and now my calls are blocked where I can not contact the company. Below is their contact information. 
XXXX
Product: Money transfer, virtual currency, or money service

I have been a customer of coinbase for more than 4 years. Trading on my account has been disabled for nearly a month and Coinbase refuses to provide me with a reasonable response or any instructions on what I can do to resolve the issue -- -all of their responses are simply that they will talk to a specialist and get back to me. I had about {$130000.00} in USD in their service at the time and wanted to buy Bitcoin at the price of {$6700.00} on XX/XX/XXXX but my account was disabled and I was unable to buy. It has remained disabled since then, costing me more opportunities to purchase bitcoin at low prices, and now that Bitcoin has risen to over {$9500.00}, their negligence has cost me a great deal of money. 

On XX/XX/XXXX they contacted me to inform me of strange account activity. I am a US citizen but I live in XXXX part of the year and work remotely for clients in the US. Thus I log in to the service from both countries, which was marked as suspicious in my account. 

I didn't see the email, as I was on vacation. On XX/XX/XXXX, they sent an email to inform me that my account would be disabled since I had not responded and they were awaiting my response. 3 days later, on XX/XX/XXXX, I responded with all of the details I requested. They said they would confer with a specialist ; my account remained disabled. 

I have contacted them numerous times on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they finally responded saying that they are investigating the issue. I have heard nothing since then even though I have contacted them a number of times since. 

To make matters worse, they only allow withdrawals in the amount of XXXX USD per day, so I haven't been able to move all of my funds -- -so far I have only withdrawn XXXX USD. I would have transferred all of the funds to another service had they allowed me to. I requested an increase of the withdrawal limit in early XX/XX/XXXXbut they refused the increase. They have given me no recourse. 

I have attached my conversations with Coinbase as a PDF document for your review.
Product: Credit reporting or other personal consumer reports

I have continually contacted Experian, XXXX and XXXX about the addresses that are showing on my credit report are not my addresses. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX have never been my addresses. My current mailing addresses are XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have had XXXXXXXX XXXX XXXX for over 5 years. Experian keeps stating that the company contacted the Office of the Attorney General of Texas and they are the ones who gave them XXXX XXXX XXXX and XXXX. It is wrong. Those are not my addresses. The XXXX Post Office has repeatedly had to put mail sent to XXXX XXXX XXXX and XXXX with my name on it into my box which is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion regarding the presence of XXXX fraudulent hard inquiries on my credit report. These inquiries are inaccurate and misleading and have had a detrimental effect on my credit score. 

Under XXXX XXXX. XXXX, I have the right to dispute inaccurate information on my credit report. Despite my efforts to resolve this issue directly with TransUnion, they have not taken the necessary actions to remove these unauthorized inquiries. 

The details of the fraudulent inquiries are as follows : XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. Creditor Name : XXXX XXXXXX/XX/XXXX XXXX. Creditor Name : XXXX XX/XX/XXXX I have contacted the creditors associated with these inquiries, and they have confirmed that I did not authorize these credit checks. As a result, I believe I am a victim of identity theft or fraud. 

The presence of these inquiries on my credit report is significantly impacting my credit score and my ability to secure credit. I kindly request your assistance in addressing this matter and ensuring that TransUnion takes appropriate action to remove these fraudulent inquiries from my credit report immediately. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes on removing this Bankruptcy that is NOT mine and everytime the dispute is complete, it shows that XXXX  AND TransUnion keep verifying a Bankruptcy on me that does NOT exist. I have a Letter from the U.SXXXX XXXX Bankruptcy Court stating that they do not verify anything that I have been having since XXXX of XXXX and I have a letter from XXXX stating that they have removed this off of my Consumer Report as of XX/XX/XXXX. 

NOW Both Credit Bureaus, Transunion AND Experian keep saying they were able to verify my bankruptcy as of XX/XX/XXXX and will not delete it off of my credit reports. Please help me, because both bureaus insist on keeping this Bankruptcy on my credit report and I want it off of Both my reports immediately! Thank you so much in advance. 

Respectfully Submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposit, in cash XXXX dollars in Atm of bank of America, And the Atm shutdown And i never se the money in mi Account
Product: Debt collection

I am not liable for this debt with XXXX XXXXXXXX XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I have disputed an inaccurate collection account on my credit report with TransUnion more than seven times. Despite my repeated efforts, TransUnion has failed to conduct a proper investigation into the disputed account as required by federal law. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies ( CRAs ) are legally obligated to investigate disputed information when a consumer provides a dispute. Each time I submitted my dispute, TransUnion has responded inadequately without addressing the inaccuracies or removing the account, which remains unverifiable and contains errors.

Additionally, the FCRA Section 609 ( 15 U.S.C. 1681g ) requires CRAs to provide consumers with all information in their credit file upon request, including the sources of information for any reported items. TransUnion has failed to provide clear and complete details regarding the origin and validation of the disputed collection account. The continued reporting of unknown and unverifiable information is a violation of Section 623 ( 15 U.S.C. 1681s-2 ), which mandates that furnishers of credit information only report accurate and complete data.

TransUnions failure to correct or remove the disputed account after multiple verifications constitutes willful noncompliance under Section 616 ( 15 U.S.C. 1681n ), which provides consumers the right to take legal action for damages caused by negligent or intentional violations of the FCRA. I have provided all necessary evidence and communicated multiple times, yet they have not met their investigative obligations. 

I am requesting the immediate removal of this erroneous account from my credit report and a complete and accurate disclosure of the information sources as required by law.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. I request that the following fraudulent account be blocked and deleted from my credit file as stipulated under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : ACCOUNT : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX  XXXX was originator - Complaints also filed with the XXXX and Texas Atty General - XXXX States that XXXX in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX States they do not report anything over 4 year old yet they are on all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$85000.00} XXXX XXXX Balance : {$120000.00}