23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After repeated marketing calls, I submitted an application for a HELOC on XX/XX/21. On each call I stressed the importance of turnaround time ( they had quoted me XXXX weeks ) and what it was going to be used for- a kitchen and bath renovation which was to commence in XXXX ( this is all on a recorded line ) .They sent out an appraiser in late XXXX/early XXXX and told me that they wouldn't be able to lend until renovations were complete. With supply chain back-up probably won't be until XXXX at this point. They cited underwriting reasons. When I inquired as to what specifically, they said they would need an operating kitchen and bathroom. We have XXXX bathrooms, only one being renovated. Additionally we have a kitchenette with microwave/refrigerator/air fryer/sink etc. I raised it up a level at BOA ( couldn't get past the supervisor XXXX XXXX ). They sent out an appraiser a second time and verified bathroom/kitchenette ... .told me in XXXX that I would need to reapply once complete. I had divulged every step of the way the renovation/timeline ( it's on the recordings ). I had relied on them. It was way late in the process to spring this on me.Apparently the underwriter failed to read the notes in the file. In XXXX, they told me that I would need to re-apply. I told that that was unreasonable since bills would come due well before then and it would be another XXXX weeks as well as being too late to apply to another bank with similar turnaround times. In early XXXX they said they would keep it open another 30 days and revisit at that time. In the meantime, I received a letter stating that they declined my application for " underwriting reasons ''. I otherwise qualify. I immediately called BOA and now they will not return my call. 
I feel manipulated and deceived. As a BOA " preferred customer '', I was heavily marketed. I fully disclosed every step of the way what the loan was for and the timeframe as to when I needed funds and when construction would commence. 
Now, I'm in a bind. I need to deplete retirement accounts with heavy tax implications. 
Had they told me at the start, or even early on that they were unable to do it, I could have moved on to another bank. However, I relied on their good faith in representations made to me. I will pay the price for their ineptitude. 
Alternatively, I'm not certain if they were trying to " jam '' me into a construction loan, which would require a total refi... .which is a totally reprehensible tactic.
Product: Credit card or prepaid card

I have filed a complaint with Bank of America with theft off a prepaid card. This card had prepaid money on it that was stolen directly from the bank. There is not an active card open but stealing from the balance of this card. I received a {$6.00} check from this bank but this is NoT the correct amount
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. 



Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. 



As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. 

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. 



Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. 



I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit card or prepaid card

I put a down payment on my Chase Visa at the end of XXXX for a garage we are having built. It did not appear on my statement until XXXX when we were going to pay that full amount. The XXXX statement had a {$82.00} charge referred to as a purchase charge. In my communication with Chase Visa they state since the charge came to them n XX/XX/XXXX they can do that. It said nowhere on the statement that this had to be payed by a certain date to avoid any charge. They since I had a balance of {$120.00} they can charge me interest on the amount of {$8600.00} even thought it was not on the XXXX bill when we payed it.
Product: Checking or savings account

Good morning, To whom it may concern, during the holidays we can all agree that money plays a big role in our lives. Gifts are not the only expense during the late months of XXXX in fact rent is due on the first a week right after. Capital One makes it impossible to enjoy and be stress free during these months which should be joyful and full of gratitude by not providing the customers with our deposits from work until the following day that the business is open. So for instance XXXX XXXX falls on Saturday this year followed by XXXX XXXX on Sunday. Normally, Capital one deposits checks that are officially made available to customers by Saturday early morning around XXXX am unfortunately if its a holiday then the money will not be available till Tuesday the earliest day possible. Plenty other banks understand about human decency and are compassionate enough to deposit and make checks available a day in advance due to holidays obstructing regular payments on specific days. Im just not understanding why must I panic and put my life on hold because a company as such is just so selfish and careless enough to not look out for its customers by finding a solution to fix this problem. I have spent up to 4 days crying during holidays every year in which I was unable to even buy lunch if I wanted to because of not having money in my account. I am XXXX XXXX XXXX and its a struggle for me and Im sure plenty of others from all different ages to financially make ends meet and even more horrific during times I shouldnt be. A change definitely needs to be made.
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed {$6200.00} for services I did not receive from XXXX. On or about XX/XX/XXXX I was issued a provisional credit for {$6200.00} from US Bank. 

I did not receive any request for additional documents, nothing by mail, email, phone, text, or online notification within the US Bank portal, or from XXXX XXXX. 

On XX/XX/XXXX I noticed {$6200.00} was deducted from my business checking account with US Bank. Upon calling US Bank customer service they referred me to their Cardmember Services Department in North Dakota. I was told at that time US Bank had concluded their investigation on XX/XX/XXXX and mailed me a letter which I should receive within 10 days, On XX/XX/XXXX I called Cardmember Services again and explained I had not received any letters and asked that they read me the address on file. US Bank had erroneously mailed both the document request letter XX/XX/XXXX, and the notification letter XX/XX/XXXX to me personally not my business and they did not include the suite number. On XX/XX/XXXX I asked that the dispute be reopened because US Bank did not follow the proper timeline set by XXXX and upon their own admission mailed both letters to the wrong recipient and without identifying the proper suite number. 

On XX/XX/XXXX I received another letter this one mysteriously now included my suite number which was dated XX/XX/XXXX. US Bank now claims that under XXXX Regulations they have no recourse. I have tried making contact with XXXX XXXX but can not get anything but an auto-response stating they have nothing to do with their own cards that banks make their own rules which is a much different story than US Bank . 

After complaining to CFPB, US Bank CEO XXXX XXXX, Chief Legal Council, and every other federal watchdog I could find I received a letter sent to my home address from XXXX, Office of the President claiming the following ; documents received after allotted time frames and unable to assist per XXXX, the responsibility of providing us with accurate mailing address which they had, and finally in the absence of bank error, we are unable to grant your request. 

I have asked XXXX for a copy of their guidelines and they have refused to answer. 

I believe US Bank did error as they were provided a copy of my business documents which included the suite number. US Bank sent the document request and decision letter to me personally and without a suite number but when I filed a complaint the letters magically included the suite number or were sent to my home.
Product: Credit reporting, credit repair services, 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. XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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
Product: Debt collection

This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

On or around XX/XX/XXXX, I contacted Transworld Systems , Inc. ( TSI ), a debt collection agency to which the XXXX XXXX XXXX had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XX/XX/XXXX, I contacted TSI regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' TSI 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX  balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted TSI again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the XXXX XXXX XXXX for {$40.00}. On or around XX/XX/XXXX, I received a check from the XXXX XXXX XXXX for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting 30 day late payment on my XXXX account when i was never late
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : 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 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
Product: Mortgage

I was browsing for vacant land for sale. One real estate site required I create a login to continue browsing so I did so. The next morning I had an email from a lender with a mortgage company asking if they could assist me with a home purchase. I asked how they got my information from XXXX XXXX and they said they were a preferred lender and when someone registers on the site they pair them with a lender. Isnt trading my personal information and giving leads to a mortgage company a thing of value under RESPA rules? The lender and mortgage company is XXXX XXXX, Mortgage Loan Officer NMLS XXXX, CMG Financial NMLS XXXX.
Product: Credit card or prepaid card

I over paid my credit card by at least {$3300.00}. I've asked for a refund check over a month ago around XX/XX/XXXX and still have not received the check. They said 7-15 business days, it's been way over that time period, I feel the credit card company, Paypal Mastercard by Synchrony Bank, is holding my overpayment as long as possible, making it extremely inconvenient for me to pay my bills. I need this money and they have not paid me back, really messed up when they can hurt my credit score for not paying on time while these crooks have not paid me back in the time they said they would.
Product: Credit reporting or other personal consumer reports

My credit was supposed to be frozen and no one should be able to access my credit report without my consent. But on XXXX XXXX XXXX they allowed ( XXXX XXXX  ) to pull my report and for what reason I do not know. On XX/XX/XXXX and XXXX they allowed ( XXXX XXXX ) to pull report also without my request. Then they allowed XXXX XXXXXXXXXXXX XXXX  to pull my report on XX/XX/XXXX and a credit union by the name of XXXX to access my credit that allowed me to end up with 9 inquiries I have sent in countless letters but they will not remove the inquiries even though its their fault.
Product: Debt collection

I have been contacted by XXXX XXXX XXXX XXXX. I have researched this company and it appears they are attempting to defraud people. I settled this account with Diversified XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of Diversified Consultant customer.
Product: Debt collection

I was notified by XXXX/Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX on XXXX XXXX, 2017 regarding an alleged debt. 

On XXXX XXXX, 2017 this debt was paid and I was told the account was closed. I was also told I would receive a letter stating the account has been closed. 

As of XXXX XXXX, 2017 I have received no confirmation letter stating the account has been closed. Source Receivables Management has taken payment to close an account and has not closed the account.
Product: Debt collection

This is a workmans comp the XXXX was due to a XXXX ... a result of a XXXX. XXXX # XXXX .... ( XXXX ) authorization # XXXX ... .an investigation with the FTC will step in if the matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau XXXX How can it be verified by Transunion- XXXX- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately
Product: Credit reporting or other personal consumer reports

My credit score is affected due to information that is false and incorrect. I have almost little to no debt. I am being discriminated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I the consumer have sent Experian multiple letters to prove the information they are receiving from a third-party provider is correct and provide proof but they have failed to provide proper proof. 
The account is in question : XXXX XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are being reported that I owe a debt to which I have evidence that I do not own anything on these accounts and that they are being reported inaccurately. I have a certified UCC-11 search from the Secretary of State showing I do not have any debts or liens. Under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. It is Experian responsibility to make sure the information that they are furnishing on a consumers, consumer report is accurate and true. Experian has not done this and it is a violation.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 
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 an account without my written instructions. 

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.
Product: Mortgage

When we refinanced our home in  2016  to a conventional loan we were told that when we reach 20 % of equity we were going to be able to remove the PMI. When I called to inquire because the PMI continues to show after we reach the 20 % they told me I need to either get another appraisal and request the removal ( which is about {$450.00} for the appraisal ) or wait until the automatic removal when I reach 22 % of equity. Basically I have to pay for the PMI for anoth er five months, w hich anyway is cheaper than paying for another appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires below I don't recognize and are fraudulent XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX