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

On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through XXXX XXXX XXXX. XXXX XXXX did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account with company XXXX XXXX. The account was investigated and found to have violated the FCRA. The account was removed from XXXX  and XXXX  however Experian continues to report this collection account. The account isn't even marked as " disputed ''. This is a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX credit report showing an inquiry from Bank of America from XX/XX/XXXX that she did not authorize. While no account was established the application left a fraudulent related inquiry on her credit report. An official dispute of this inquiry was sent certified mail to Bank of America XX/XX/XXXX ; however a letter received today XX/XX/XXXX indicated Bank of American could not conduct an investigation into the matter because there was not an account number provided. Had the Bank of America fraud department actually read the information provided they would have seen we were disputing an inquiry and as such there would be no account number.

Bank of America has an obligation to first read the information provided and under the law conduct an investigation of fraud as outlined under the FCRA with reagrd to issues of ID theft.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees for lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe this practice is unfair & request an investigation into my account.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX C XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX ( Original XXXXXXXX XXXX XXXX ) XXXX : {$550.00} XXXX XXXX XX/XX/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 XXXX NJ XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Account number XXXX LATE PAYMENT XX/XX/ XXXX XXXX  XXXX Account number XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with XXXX not allowing me to file complaints at all anymore about the issues that I am having. Equifax has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my XXXX XXXX Credit Report. I have sent letters asking the credit reporting agencies to give me information on the the inquiries including my personal authorization allowing the companies to pull my report. The credit reporting agency has not provided the information I 've ask for. I received notification that the information had been verified and I know that ca n't be the case because I did not authorize the inquiry.
Product: Credit card

Every month XXXX is supposed too update balance and payment history. Citicards fail to update XX/XX/XXXX balance to all XXXX XXXX reporting agency. XXXX, XXXX and XXXX. I Called Citicards and ask for the supervisor who told me there is nothing she can do about it. There is no way for her to get in touch with the credit report department to find out why they did not send the month of the XXXX statement to credit reporting agency. It is Now XXXX and there still is no update for XX/XX/XXXX. It is still showing XX/XX/XXXX statement. Now I am going to be missing history for the month of XX/XX/XXXX for this account XXXX. The balance was supposed to be {$500.00} for the month is XX/XX/XXXX and it never updated and now it the month of XX/XX/XXXX. I attached each Credit reporting agency report to show proof that was no update for the month of XX/XX/XXXX And I sent XX/XX/XXXX billing Statement I want it updated right now.
Product: Money transfer, virtual currency, or money service

Hi i sent my XXXX token ( amount XXXX ) sent from XXXX address to coinbase XXXX XXXX  address on XXXX XX/XX/2024 XXXXXXXX XXXX  XXXX, However coinbase have stated that have not received any transaction and adviced me to contact XXXX XXXXXXXX to sort it out. I spoke earlier to XXXX  and to XXXX regarding this matter but XXXX said its not their responsibility because they supposedly sent the transaction successfully. And they recommended that i send the attached screenshot to the conversation to Coinbase. This after on XXXX of XXXX I spoked to Coinbase regarding this matter and they stated that my transaction gone to a third party and they have no idea where it is. This was my hard earned money and dont understand why both parties would have sent and accepted the transaction if it was incorrect. Surely Coinbase would have refused the transaction and returned it to XXXX if there was any problems with the transaction itself. And XXXX should have sent the money to Coinbase if there was a problem also. XXXX actually request that I have pay transaction fee yesterday so that they could sent the money to Coinbase. They took the transaction money but now my XXXX or money has disappeared. Should you required any more information regarding the transaction hash number, wallet numbers and actually chat conver With both companies, this can be provided by myself.
Product: Credit card or prepaid card

NOTE : THIS IS NOT A COMPLAINT, BUT TO APPRECIATE American Express Bank. 

I want to show here my appreciation to the Amex team for their kind attention to my complaint. I am very proud of them and so I want to use this medium to publicly express that. This is the stuff that make customers become brand loyalists. 
I will hereby start here to spread the goodwill by word of mouth. 

Last week I sent in a complaint about my cards with Amex. Within a day or two later, in another routine attempt, I was finally able to upgrade those cards. This made me very happy. I do not even know whether or not the concerned Amex team had received this complaint before the cards became 'upgradable ' but I can feel that they care about my experience with their brand. I therefore feel very satisfied that Amex see me as a worthy customer. To the Amex Rewards team, " Thank you! '' and " Happy holidays! '' PS : The only other issue is the problem with the credit limit on my main Rewards card. This had not been fixed. I want my account and credit limit terms to be better. I used to have a card that adjusts to my spending and has no set limits, until an error from my XXXX or XXXX  report which had since been corrected but these bureaus. I want them to investigate this occurrence and if they need any documents from me, I can produce them. Amex should be able to trust me more as I have been a good customer. The circumstances of this incident is very sad and I am not happy about it because I did not do anything wrong to deserve that. 
The responsible lending team was not thorough in their assessment. They arrived too quickly to their decision and refuse to walk back on it when they found that it was an error, despite the various ways I tried to inform them and by examples with the credit bureau record of that issue. 
The same company whose payment delay system created this problem last year had since doubled my credit limit. They would not have done that if I was a bad user of the account or a credit risk. So, it is disheartening to experience this from Amex 's end of the equation. 
I hope that the team will look into this matter again and isolate the issues that created it and consequently reinstate the spending limit criterion on this card as well as double the credit limit on it along with the others. That way I can put the negative impact of this experience behind me. 

Thank you.
Product: Checking or savings account

Since I opened this account on 2021 I never had issues to be served through call center, since a couple of months ago they are puting a lot of troubles to be " verified ''. 
I have the same phone number since I open the account, I receive the passcodes by phone call without any troubles to access my app, but when I call customer service they said that the system doesnt allow to proceed with that. So it means that the " system '' is too XXXX  that doesnt allow to read back the passcode, I cant guess what phone number or phone carries likes to the system 's bank. All the calls I was requested to send a utility bill and my passport and should wait at least XXXX hours to call back again to the bank. 
I cant do all of this process and bureaucracy due a non usefull verification system. 
The bank have many tools to verify me, like personal information, account information, when and where was opened the account, a recent transactions or even a callback to the number on file. Also can send a push notification to the mobile device registered. 
or also fix the issue that when i put the debit card number and my pin as always but the automated system doesnt recognize the information and because im not XXXX XXXX I dont have XXXX. 
Is not customers fault the phone verification failure because I get the codes. 
I need a solution for all of this troubles that the banks makes. 
Now I have my debit card locked, being impossible to unlocked or get a replacement card through the mobile app
Product: Debt collection

On XX/XX/XXXX I, XXXX XXXX, filed CFPB complaint number XXXX. The complaint involved Bank of America not responding to a Qualified Written Request for loan documents related a HELOC we have with Bank of America. XXXX XXXXnformation : Lendees : XXXX XXXX and XXXX XXXX Lender : Bank of America Loan Number : XXXX As a result of the complaint Bank of America provided the signed documents. However, Bank of America claims that {$160000.00} is the maximum amount that was available for borrowing on the HELOC and that my wife and I owe approximately {$160000.00} of that amount. The signed documents only indicate an amount of {$130000.00} as the maximum that can be borrowed against the equity of the home we own. They have not provided any signed documents that the maximum amount of the HELOC is {$160000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I was in the market to purchase a home. I shopped around and purchased my home in XX/XX/2018. A credit company known as CBCinnovis ran a hard inquiry on XX/XX/2018 without my consent. I want this removed off of my credit report immediately!
Product: Debt collection

I have two medical collections on my credit rekey stating I owe for doctor visits. I was not at this location. My husband ( at the time ) was the one with the visit under our family insurance plan. I have submitted a dispute and was denied removal. Reported XX/XX/21 Medical Data System, another XX/XX/21 I never received notices
Product: Mortgage

My home mortgage was transferred from XXXX XXXX Mortgage Loan no. XXXX to Astoria Federal Savings XX/XX/XXXX. The release of lien document from XXXX XXXX Mortgage XXXX XXXX XXXX was never sent and recorded at the XXXX XXXX recorder 's office where the property is located. Therefore 16 years later XXXX 's name still appears on the title to my home. 
XXXX filed for bankruptcy XX/XX/XXXX and was acquired by XXXX XXXX which was then bought over by XXXX. Astoria Bank has attempted to trace this missing assignment ( release of lien or mortgage satisfaction document ), but have be unable to do so. 
I have spoken to my land records department here in XXXX XXXX NY where my home is located. They have suggested that Astoria bank file an Affidavit of Lost Assignment with the XXXX recorder 's office since they were unable to locate the missing assignment. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph XXXX XXXX XXXX. So far, Astoria bank has refused to file the affidavit citing they are not authorized to do so. They have collected my mortgage payments for the last 16 years without every informing me that there was an issue with recording the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and millions of other people at risk.I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.They did n't notify thee public quick enough, The CEOs sold their stock in the company before the story broke aka Insider Trading.
Product: Debt collection

On the afternoon of XX/XX/2019, a representative of Kofford  Law  came to my house and spoke with my mother-in-law who was babysitting  my children about a supposed Complaint that was being filed against myself and my wife. My wife and I were both at work at the time. The representative, who identified himself as " XXXX XXXX   '', after attempting to leave paperwork with my mother-in-law left a large packet of private debt and medical information on my front porch. The packet was not sealed in an envelope or any other container to seal the information and keep it confidential. The packet contained amounts due, interest rates, our account numbers with our doctor 's office, photocopies of medical contracts, allegations of breach of contracts, as well as information about a supposed lawsuit that was to follow if we did not respond to them. The paperwork was made to appear as though it were coming from the XXXX District Court of Utah, yet was also addressed as coming from the law firm in question. 

On, or around, the XXXX of XXXX a representative of Kofford  Law  called my wife and aggressively threatened to sue her if she did not give her our credit card information so they could bill us for the supposed debt. 

The practices of this firm are in gross violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to open a dispute on my Experian account with Experian directly for over a week, and every time I try, it tells me they're having technical difficulties and can not access my report. I'm paying a monthly subscription for Experian services specifically to access this information when I need to.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT ON XX/XX/year> TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY STUDENT LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.
Product: Mortgage

I make my mortgage payment every month on or about the same day every month. In 17 years I have never been not even a day late. USING THE SAME ACCOUNT TO PAY. The last three months bank says they can not identify the account or I have nsf funds available. I call my bank they say the payment was never submitted to them for payment .My Bank even asked for the federal reserve ID number so they could track the  payment. SunTrust w ould not give me that number. They are continuing to Insinuate that its something Im doing something wrong and I should pay a late fee They are harassing me with phone calls, letters saying I have not payed I have confirmation numbers for every payment! so every month I call and complain they try to make me pay a late fee I refuse they run the same acc number payment goes thru help
Product: Credit reporting or other personal consumer reports

XXXX XXXX Has Not Been Reporting On My Account Since XXXX. I Have Been Making Payments And My Balance At This Time Is Only {$1900.00}. I submitted a dispute with Experian and Experians results came back stating that XXXX XXXX reported the balance as correct that is clearly incorrect.They have been reporting I owe {$4600.00}
Product: Debt collection

I was contacted by company called XXXX XXXX XXXX back in 2011. I know this was a long time ago but I have been fighting this with their client. Apparently, XXXX was collecting on a debt for Asset Acceptance LLC located at XXXX. XXXX XXXX XXXX, NY XXXX. I believe XXXX, now known as XXXX XXXX XXXX filed to meet their minimum standards to protect customer data or / and prevent identity theft. I have XXXX pages of correspondence an I have contacted the XXXX. No Response. believe someone, opened an account in my name and it was finally taken off the credit reports, but they should have used third party confirmation or other means to safeguard customers.
Product: Mortgage

Called PHH Mortgage before XX/XX/XXXX holiday to tell me new mortgage payment after paying into escrow account a week prior to the call. A rep said that there will be a letter sent about the mortgage assessment 10 days later and I asked that the flexpay be on pause during this process. Rep said she placed a note so the next time I call in future reps that assist will be able to see the latest activity. Here we are XX/XX/XXXX, flexpay took a mortgage payment and still no letter. I am not sure what's going on with this mortgage company but they are liars and absolutely the worst company I've ever dealt with.
Product: Credit reporting

I learn that i had a judgment on my credit report once i check my report. i was late but i paid the management of XXXX XXXX, this was in XXXX. My credit report states that it was satisfied XX/XX/XXXX.I do n't no anything about a court day. Or why this judgment exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to reflect 4 XXXX XXXX credit cards that I am individually responsible for, despite connecting my XXXX XXXX account to their " boost '' program and submitting additional paperwork from XXXX XXXX that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with Experian to resolve this problem. Experian suggested I contact XXXX XXXX, which I did. XXXX XXXX provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to Experian on www.experian.com/upload. XXXX XXXX claimed they were going to " re-send '' my credit data to Experian but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my XXXX XXXX account with Experian 's boost program, which uses a third party to search my credit cards for utilities and other bills. Experian was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking Experian to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.
Product: Debt collection

To whom it may concern, Please note that I have made multiple attempts to work with Portfolio Recovery in removing the erroneous reporting on my credit report. Based on the reported information from XXXX, they stated they are the originators of this debt and that I owe it to them, which is not sure. I have previously requested proof and I have requested that this information be removed from my credit report. All of this attempts have failed to have this issue resolved The following are the dates that I attempted to dispute the reported information. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX