23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan from Bank of America ( Account # XXXX ). In XX/XX/2021, I received a notice from my homeowner 's insurance company XXXX, XXXX for renewal of homeowner 's insurance. I did not want to renew it with XXXX, because they wanted to charge me a significant higher premium. I informed Bank of America on XX/XX/2021. Bank of America asked me to upload new insurance information on XXXX/bankofamerica. I uploaded new insurance information on XX/XX/2021 and received a message that Bank of America has received my new insurance policy. Nothing was updated on my loan. I sent them this information at least five time. I faxed them this information. I mailed them this information. I received a message that my insurance with a new company has been noted on my loan and my previous insurance company will not be paid. A couple of weeks later, I received a message from Bank of America that they have paid premium to my previous insurance company also and now I am responsible to recover that money from my previous insurance company. I contacted my previous insurance company. They issued me a check and I sent that check to Bank of American as per their instructions. I kept checking with Bank of America about the status of check sent to them. Now they tell me that they did not receive the check and I need to stop payment and get a new check from previous insurance company. I am being harassed by this bank for their inefficiency. I am 60 years told and I am being asked to fix problems caused by this bank. A similar problem had occurred last year also. I would appreciate if CFPB can intervene on my behalf and ask this bank to fix their problems instead of harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against XXXX  but I have not made a payment since the payoff in XX/XX/XXXX. The Trans Union report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call XXXX XXXX, also operating as XXXX XXXX, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.
Product: Money transfer, virtual currency, or money service

I initiated a transfer from an account in my name to an account with a different institution, also in my name. I was originally given Friday, the XXXX of XXXX as the date this transfer would be complete. When the transfer still had not processed I checked via mobile app, the account at the receiving institution and the expected date for funds availability was now Sunday the XXXX. 
When I reached out to that institutions customer service they told me that it takes 3-5business days for transactions to process, which I let them know I fully understand, but that the q, as the funds were no longer in the original account as of Wednesday the XXXX. Both the original bank as well as the XXXX had processed the transaction and it had been sent on to the receiving institution. That institution claimed they did not have this transaction and that I had to wait because of the XXXX process. I attempted multiple times to speak with a different person or supervisor who wouldnt given the same copy and pasted response. 
I even showed the rules & regulations set forth by the XXXX that are aimed at expediting transfers. The receiving institution gave shallow and pedantic responses as well as feigned sympathy. My funds are still unavailable to me at a time of great need. The receiving institution has done nothing to assist or even look into releasing funds that they have full control over at this time. They are hiding behind a public misconception that XXXX institutions and workers are the reason for the slow down and it is completely unacceptable. Thank you.
Product: Credit reporting

My credit report shows VA XXXX XXXX from an original date of 2006. My wife did n't live in VA and I do n't owe this money to the state, I have mailed validation letters to the address on the credit report for VA XXXX and the post office returned it stating not able to deliver address not found. So how can they verify this and leave it on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

After the investigation, on XX/XX/2022 i was told the two accounts mentioned are not listed on the credit report and all other accounts have been verified. This was false, I listed all accounts with inaccuracies being reported. Refer to the documents attached which shows proof of my complaint. I have not been given a fair and accurate investigation.

This includes the date last active, the open date, two year payment history, last payment date, and the date last reported. I feel like my rights was violated and i didn't receive a fair investigation. This has cause me so much hardship and stress.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Please refer to accounts listed on the documents provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and closed late XXXX they are still showing up and reporting a balance each month as of XXXX. Although the balance is XXXX I do not have an open account with XXXX  XXXX and they confirmed inside of the customer service center that it was closed in XXXX. I have disputed this also with Experian and they stated the information was correct. This reporting information is not true.
Product: Student loan

I have been paying my subsidized and unsubsidized student loans for 19 yrs. I have not missed a payment. I am currently unemployed. I applied for IDR and PSLF after visiting FSA and seeing that I qualified for both. To apply for the PSLF I was required to apply for consolidation to insure accredited payments are applied evenly. I think XX/XX/XXXX was the date I applied. I received letters in the mail stating I was placed in forbearance pending determination for both programs. For IDR, I selected the SAVE plan because it had the lowest monthly rate and taxable payoff amount. On my loan servicer page, XXXX XXXX it stated my IDR would be serviced there. On the FSA site, it stated my automatically approved applications for PSLF needed to be forwarded to XXXX. I FAX the applications and my financial information to XXXX. I was warned that interest would be added to the loan if it wasnt paid during forbearance, but I couldnt reach anyone. FSA referred me to my servicer. XXXX was transferring accounts to its new name XXXX and XXXX did not have me in their system. Meanwhile, no one is taking live calls. I finally get a letter from XXXX stating I had a new loan, which was not for the monthly amount FSA said I qualified for under XXXX. XXXX shows I am not qualified for IDR or PSLF, but FSA still has my applications pending review. I finally get XXXX on the phone, I learn that they received my IDR and PSLF which are pending review, BUT my 19 yrs of payments, XXXX of them are gone! They reset my loan, added another XXXX to my payoff and set a payoff date in XXXX! My original payoff date was XXXX! My initial loan was just XXXX at graduation, ballooned to XXXX during my 3 month grace period and had an estimated final payoff of over XXXX, which as you can see I was close to paying off. Nowhere in this process did I read anything that stated that I would lose credit for all the years I have been paying by applying for these programs. The association for XXXX who was new, but very helpful stated that the XXXX payments they assigned me would be adjusted, but unless I qualified for immediate forgiveness, doing this hurt me rather than helped. I remember reading on the FSA site that these programs are designed to help individuals pay off their loans sooner. This is restarting my loan over. I also remember reading that I would have an opportunity to decided if I wanted to utilize the program or stay with the payments I was making. Im furious and disappointed. I needed help, so I applied hoping for a better solution.giving me more debt and dragging out my payments is not what was expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is been reporting my name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which is incorrectly. Only XXXX name should be in my report. Which is my legal name XXXX XXXX. This is causing problems trying to accomplish my dream.
Product: Checking or savings account

On XX/XX/XXXX after I received a deposit from XXXX betting app. Chime Bank closed my account an hour after I received my deposit. I would like to receive my {$700.00} from 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.

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 XXXX 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 collection

This is a reopen for case # XXXX. 

My initial complaint said : YOUR COMPLAINT XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 1- On XXXX/XXXX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXX XXXX XXXX XXXX declined to accept my offer 2- XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and XXXX XXXX @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX, advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transactions is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of XXXX to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX. 

XXXX XXXX XXXX failed to answer the complaint but responded as : Company responded on XXXX/XXXX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX : I am in receipt of your correspondence to XXXX XXXX XXXX XXXX XXXX concerning the XXXX  XXXX XXXX account that was placed with us for collection. We are more than willing to work with you to resolve this matter. We have been given approval to settle this account for {$630.00}, payable in a lump sum or with a structured repayment plan. If you agree to the terms, we can certainly provide you an agreement and you can mail in your payment ( s ) using your personal bill payment from your financial institution. If you have any additional questions or concerns you can certainly reach out to us directly and we can assist you. You can reach me directly at XXXX EXT XXXX. Thank you for the opportunity to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to account number XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX and account number XXXX with XXXX XXXX XXXX claiming I owe {$480.00} to XXXX XXXX. To Whom It XXXX Concern. I am a victim of identity theft and I have recently found several accounts that have been fraudulently added to my credit report. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$480.00} to XXXX XXXX. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX. 
None of these accounts are mine. In fact, XXXX completed an investigation with each of these fraudulent accounts in the past and had them immediately removed from my credit report. 
Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for these illegal accounts. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX and XXXX XXXX XXXX have created fraudulent accounts. 
FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. 
FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. 
Police Report with XXXX XXXX Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. 
Please have these accounts removed immediately from my credit report. 
Because as I mentioned these items have been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion, the date last active is XX/XX/XXXX. On XXXX, the date last active is XX/XX/XXXX. On XXXX, the date last active is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE Please delete these accounts from my report : score Account Name : XXXX Funding Account Number : XXXX
Product: Credit card or prepaid card

My credit card company ( Citicards ) has raised my interest rate from below 12.24 % to 20.24 % since XX/XX/2022, and recently lowered my credit limit substantially. I have called and asked for a reason, and gotten no response. I believe that both of these actions have affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX ( XX/XX/XXXX, Report No. XXXX ) ; and TransUnion ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this. 

Your assistance will be much appreciated. 

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

On XX/XX/XXXX, after trying to rent an apartment and being told I need a guarantor, I checked my credit score. It was extremely low, so I ran a report and found a fraudulent account that was on there through Discover. I contacted the police to file a police report and I contacted Discover who put me in touch with XXXX and XXXX to open an investigation. They shared that it would take a maximum of 6 weeks to complete the investigation and then the fraudulent account would be off of my credit report and my credit score should reflect as such. However, after 60 days, I called XXXX and XXXX after seeing no change in my credit score. They reported that they were unsure and would have to get back to me, but have not yet done so. I called Discover again and they said they would open their own investigation and try to resolve it. It has been two months of back and forth with Discover to no avail and I am unable to do anything regarding credit because of their inability to take the right steps to handle this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Company never authorized inquiry, do n't even know or am a where of Company never owned or applied for a mortgage. Called them multiple times they are unaware of who I am never in there system. XXXX XXXX Report XXXX XXXX from XX/XX/XXXX MISC, XXXX XXXX XXXX XXXX XXXX NJ XXXX Equifax Report XXXX XXXX from XX/XX/XXXX MISC reporting agencies XXXX XXXX from XX/XX/XXXX MISC reporting agencies Please delete updated reports
Product: Debt collection

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Delete Account Immediately for violation of 15 USC 1681e ( b )
Product: Prepaid card

I purchased several Vanilla gift cards for mothers day gifts 2024, only to never be able to use the gift cards. the people i purchased them for tried using them at several stores and they did not work, so i told them to return them to me and i will reach out to the company. i reached out to the company the first time in XX/XX/year> and i was told by an agent that the cards were locked for an unknown reason and unable to be unlocked, so i could throw them away, and was given case numbers and i would receive a refund via check in the mail in XXXX weeks. Fast forward to XXXX 2024, a month later, i had not received a check so i reached out to the company again. i gave them the case numbers and was told by a different agent that i did not submit the required documents for a refund. the first agent did not tell me i needed any documentation but said i was good to go so this was a shock to me. so the second person gave me an email to send the documents to and told me to wait another XXXX weeks for the refund via check. Now it is XX/XX/year>, still no refund. I reached out to Vanilla gift again today and they act as if they never received the documents although i have a confirmation email. They are now telling me to send the same documents again only this time to include that the first agent told me to throw the cards away. They also told me to wait XXXX more weeks for the refund, which will be close to XXXX months of me waiting for money i spent but never got to use. I have been getting the run around and out of close to {$2000.00}.
Product: Mortgage

I am reaching out in need of assistance with saving my home from foreclosure. I am currently in review for a loan modification and have provided all documents that Wells Fargo has requested. I have a foreclosure sale scheduled on XXXX/XXXX/16 and they are now telling me they do n't have enough time to review me for the modification. Any assistance you can provide in getting the sale postponed will be greatly appreciated.