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

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws. 

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means XXXX XXXX  a financial institution has disclosed nonpublic personal information to nonaffiliated third parties XXXX, XXXX and Transunion. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Product: Debt collection

I have an ongoing dispute with XXXX. I believe my federal loans were inappropriately capitalized, adding over {$19000.00} to my loan amount. I have disputed this with XXXX and they have been reviewing it for over a month, no one can explain or give me a response. I have supporting documents as well. I submitted my recertification paperwork 1 month early. I was forced to do it by paper because XXXX had not updated my name change despite submitting the paperwork needed over 4 months prior. The day before I was notified that there was an issue with the recertification my interest was capitalized. 5 days after receiving the notice that there was an issue with my recertification paperwork, I was able to recertify online ( since my name had finally been changed ) and was officially recertified for IDR for the upcoming year. My plan was never changed, I never had to go into forbearance and yet they capitalized my interest before my plan actually had to go into forbearance. Below is the timeline of events : XXXX : call and file upload of name change and supporting documents, name never changed and unable to file IDR online because name was not correct XXXX : paper IDR request submitted XX/XX/XXXX : last day to submit IDR request XX/XX/XXXX : interest capitalized ( {$19000.00} ) XX/XX/XXXX : IDR Denied ( via message, 1 question not answered per XXXX ) XX/XX/XXXX : new IDR submitted online, called XXXX and would expedite XX/XX/XXXX : new IDR approved XX/XX/XXXX : new payment amount started ( never payed higher amount, never went into forbearance )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

ADVANTAGE CREDIT, INC Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX XXXX, 2021
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

My account is not able to use old ID and password due to a take over from Bank Of The West. I tried several times to contact BMO on the phone and online. All I get is call waiting and then a disconnect. Then finally I get someone to tell me that I need to go to a BMO bank in person to set up online. This is not a good way to start a relationship. And interest rates are 27.99 %. This bank is total XXXX.
Product: Credit card or prepaid card

I called and chatted on multiple occasions. Most recent interaction XX/XX//2020. I was issued a credit due to a dispute. I received confirmation the dispute was resolved in my favor. Credit Card refusing to refund my money.
Product: Debt collection

I have a couple of medical bill from XXXX Medical Center these accts were paid by my medical ins. I never received bills from the hospital for anything!!! All I knew was when I checked my credit report the hospital had sold my information to a collection agency.Now I do have a copy of the Hipaa Law and I know that anytime your medical information is released without your authorization it is a violation of your rights.These are now reporting on all 3 of my credit files and this is not right!
Product: Money transfer, virtual currency, or money service

I was hired by XXXX XXXX, which services patients through electrical health records. I was interviewed online and it was a lengthy one. I was hired a few days later and signed a job offer letter. It is a remote job so they informed me that we must purchase the equipment. I was sent a check totaling {$4600.00}. It was XXXX  to me overnight with a letter of instructions stating that I have to email the responsible accountant and the hiring manager with all the deposits I make. They asked me to deposit it in my account through the bank 's app or an ATM. I wondered if it's ok to deposit it through a teller and they said it is ok. I wanted to eliminate all suspicions and ask the teller if it is a real check or not. When I asked the teller at Citizens Bank she looked at it and asked her fellow associate if it is real. Her associate said that checks sometimes look like that because it was looking a bit different. so she ran it through the machine and it was ok. and the associate said if it goes through the machine that means it's legit. And they informed me that it will take 24 hours to clear.

So I took the receipt and went home to send it to the hiring manager and the accountant. The next day when the check cleared the hiring manager told me that the vendor for the equipment is down and we have to transfer the money directly to the vendor 's account. so I did three transfers through XXXX and the rest through a wire transfer. And every time I get a receipt for the transaction I sent it to the hiring manager and the accountant.

so the manager told me that I will get the equipment within a couple of days. The next day I got a check for {$7900.00} with the same letter of instructions. At this point, I was very suspicious and felt that this is a scam. But didn't know what kind of people I am dealing with so I wanted to cut my loss and apologize that I can't continue with the company because I got a new job. The manager told me to trash the new check. 
a couple of days later I saw my account and it was $ XXXX I tried to reach out to the bank and they informed me that the owner of the check reversed it. So the bank had to give the money back. when I asked can the bank do this? they said yes the bank can take back any money they deposit into my account. So I went to the branch where I deposited the check and asked to speak with someone. After telling the e customer service the story. she said it was my fault. she didn't even ask me about my name or pulled my account. instead, she was smiling very sarcastically. like she was happy I got scammed. I told her why would make the funds available instead of pending to verify the check and she said why would I bring them such a check.
Product: Credit card or prepaid card

XX/XX/XXXX {$300.00} payment told verbally that it delay XX/XX/XXXX!!!! 
XX/XX/XXXX {$500.00} payment has cleared but the card company has once again put my payment on hold with no explanation. They now have stolen {$500.00} for their use.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I began an IRRRL in XX/XX/2020 with XXXX XXXX in XXXX, California. 

Following closing of my previous loan with XXXX XXXX Mortgage, I was to receive XXXX months without a payment. 
I left town to visit my sick father in XXXX ; my mail was forwarded to my father 's address.

I received a mortgage statement from New Rez Mortgage stating that I owned for XX/XX/2020. 
I contacted my loan officer and informed him of this, then his boss.

I never received the " promised '' amount from my escrow account.

I found out later that New Rez used part of my escrow refund for some other purpose ; not acceptable. 
I contacted the XXXX XXXX XXXX in Florida, I advised something was a miss with my loan processing. 
According to my records, my escrow balance was {$980.00}, but only received {$280.00}. 
It appears that while my XXXX loan was processing, my lender sold it to New Rez ; I was never made aware of this.
Product: Debt collection

I was living with my now ex girlfriend in an apartment in XXXX California. She moved out in XX/XX/XXXX and I moved out in XX/XX/XXXX. I sent notice to the property management company that I would be moving out by the end of XXXX on XX/XX/XXXX. The management company replied to that email regarding another topic that was contained in the email. On XX/XX/XXXX. I received an email from the management company stating that my move out date was XX/XX/XXXX and they had charged me an additional three months rent as well as late fees three separate times for those months. I was never notified of these charges and I was never notified when they sent that Det to a collection agency. My ex girlfriend received a call from the collection agency last week stating that we owed roughly {$5000.00} that had to be paid by the XXXX of this month to avoid a negative impact on credit reports, We explained the situation to the person on the phone, but they were either unable or unwilling to allow us time to sort out the situation with the management company.
Product: Credit reporting or other personal consumer reports

I recently tried to apply for a home loan but I was denied. After obtaining a copy of my credit report, there are some major issues that need to be addressed. I found the following accounts to be in error and would like them updated/deleted : XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX  - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX  - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would greatly appreciate your prompt time and attention to this matter. 
Thank you, XXXX XXXX
Product: Vehicle loan or lease

I requested that I see what the interest is on my loan in my monthly statement and how much of my monthly payment is going to towards the principle. I have asked this multiple times over the course of two years from the company and they have only provided the same statement that has amount owed for the month and payoff amount.

I have also asked for a copy of my contract with them for over two years due to a possible error I saw with mine from the dealership. The error being two different monthly payment amounts, with a difference of about {$93.00}. They refuse to provide a copy of this as well.
Product: Credit card or prepaid card

I purchased two vanilla gift cards ( issued by XXXXXXXX XXXX  ) they were declined most places so I called customer care. They told me they would send me a check for the money left on the cards. The check never came. When I called to inquire they told me the cards were turned off and the case was under investigation and someone would call in 48hrs. This charade has now been going on for 9 weeks. They will not release the funds, refund the card purchase or reissue the gift cards in working condition. The cards are issued by XXXX XXXX Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX  XX/XX/2022XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXXXXXX
Product: Checking or savings account

Several different occasions money has been taken from my account unauthorized. When filing a chargeback, it gets denied every single time.
Product: Credit card or prepaid card

Comenity Bank keeps destroying my credit! 

They issue credit and lower your credit limit so it gives you lower credit ratings! 

They cancel your cards with no reason. 

I pay my accounts and had monthly payments automatically taken out with reoccurring automatically monthly. 

I had my credit score up and then they lowered my credit limit which caused me to look closer to my limit. 

This should be not allowed! This should be illegal! 

This company is destroying peoples credit!!
Product: Debt collection

On XXXX XXXX XXXX I filed a complaint against I.C. System, Inc. for making a report on my credit file about an alleged debt without sending me ANYTHING regarding the debt. I made it clear in the report that the alleged debt being on my credit report was not the only thing I was disputing, but the debt in its entirety. 
In the response to the complaint, I.C. System submit
ted a letter they allegedly sent to an address that was never mine. They also claimed to have sent me a text message I never received. 

On XXXX XXXX XXXX, I received a letter from I.C. System, Inc., dated XX/XX/, saying that they investigated my dispute and were unable to verify the information. They further stated in paragraph 2 of the letter that, " Our attempts to verify this debt as due and owing will continue ... '' They are using the date of the complaint to CFPB as written notice of a request for validation per FDCPA, which was on XXXX XXXX XXXX It is now, XX/XX/. This is more than 30 days. ONLY 30 days are alloted by the FDCPA to verify a debt, or permanently cease ALL collection activities. These people are violating FDCPA by continuing to verify the alleged debt beyond the 30 days.
Product: Mortgage

Ameris Bank Mortgage had my loan for my home. I sold the home on XX/XX/2021 and contacted Ameris Bank the second week of XXXX regarding my escrow refund. I was told the check had been issued and mailed to the old address. I checked with the new homeowner and it had not been received there. I changed my address online and by phone with the escrow department. They told me they would wait 30 days from XXXX ( original date of issue ) and reissue but it could take 30-60 days before I got it. 
I called every XXXX weeks during that time with no update. Finally XXXX person told me they wouldn't tell me anything until the full 60 days was done. So I contacted them XX/XX/2021 ( more than 60 days after second attempt ) and they told me there " was no update '' on my issue. They couldn't tell me if the check had been cut or not. XXXX said she escalated to her supervisor and asked for expedited handling but that it could take another 30 days before it was cut. When I asked what I could do she said I could wait 30 days. I have now been waiting XXXX months for over {$3000.00} in escrow that belongs to me to be sent to me. And they are telling me I have no recourse but continue to wait. 
There has to be something I can do to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. Experian website quotes " Experian supports the CARES Act '', so why is it still on my credit report? XXXX and XXXX and Experian are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.
Product: Bank account or service

I went on a cruise in XXXX, 2014. Barclays Bank Delaware was marketing a Carnival Master Card. I applied and was approved. I never used the credit card. After learning there would be a processing fee, I immediately cancelled the card. All purchases incurred on the trip was paid from my debit card on another credit card. After sailing I never used the card and they charged off the account on XXXX XXXX, 2014 and claim that I owe them {$430.00}. I never used the card and why are they charging me {$430.00} for an account which should have a zero balanced.
Product: Credit reporting or other personal consumer reports

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks to the great work of the CFPB, I had a two-year long dispute with Capital One resolved within a month of the CFPB getting involved. Case id : XXXX The investigation was resolved, Capital One 's fraud team found there had in fact been fraudulent activity on my account which resulted in two delinquent/late payment charges being added to my credit report. 

Capital One reimbursed the money and awarded the dispute in my favor ( letters and account proof attached ) however, the two late payment charges remain on all 3 bureau credit reports. 

I contacted Capitol One and was passed from team to team, with none being able to confirm that they had updated my standing and removed the late payment red flags from my credit reports. 

I'm currently refinancing and this bad reporting is seriously affecting my ability to do so.
Product: Mortgage

failure to adhere the proper notice requirements for periodic statements when the borrower is 45 plus days past due as listed below. 

DELINQUENCY INFORMATION. 
If the consumer is more than 45 days delinquent, the following items, grouped together in close proximity to each other and located on the XXXX page of the statement or, alternatively, on a separate page enclosed with the periodic statement or in a separate letter : The date on which the consumer became delinquent ; A notification of possible risks, such as foreclosure, and expenses, that may be incurred if the delinquency is not cured ; An account history showing, for the previous XXXX months or the period since the last time the account was current, whichever is shorter, the amount remaining past due from each billing cycle or, if any such payment was fully paid, the date on which it was credited as fully paid ; A notice indicating any loss mitigation program to which the consumer has agreed, if applicable ; A notice of whether the servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process, if applicable ; The total payment amount needed to bring the account current ; andA reference to the homeownership counselor information disclosed pursuant to paragraph ( d ) ( 7 ) ( v ) of this section.