23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX is trying to pull a fast one on me. They are well aware that we are under a " Federal Bankruptcy Order '', and they keep attempting to make us pay. We moved from the Home at XXXX XXXX XXXX, XXXX, GA XXXX, in XXXX 2017, and notified Beneficial. They initial agreed to do " A Deed In-Lieu of Foreclosure '', with us, and Ordered an Appraisal, which the value of the home was more than what was owed on the home, as it was at the time of the Appraisal in Excellent shape, I took pictures as well as the Appraiser that Beneficial sent out to do the Appraisal, and they are time dated. 
Beneficial lied about a " Lien '' being on the Home, which was Avoided/Dismissed in the Federal Bankruptcy Order, signed by Judge XXXX. I had the attorney ( XXXX XXXX ) that handled the Bankruptcy Proceedings sent a copy of the Bankruptcy Order to Beneficial, after Beneficial refused to accept my Copy. Then Beneficial sent the Mortgage to a Collections Agency, and now they ( Beneficial ) has given/transferred the Mortgage to XXXX XXXX XXXX XXXX XXXX, out of XXXX XXXX XXXX, Utah. I called XXXX XXXX and XXXX XXXX XXXX ( Fax : XXXX XXXX ), said that he was not aware of the Bankruptcy Stay Order. Beneficial is just plain wrong. It needs to be fixed. They doing this to me cause I am XXXX and a Donald Trump Supporter
Product: Debt collection

Refuse to file medical bill to insurance. Improper billing. Excessive fee for Covid 19 test. They did not file bill to XXXX and are charging an outrageous amount for a Covid 19 test
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im a XXXX XXXX and I have illegal stuuf on my credit. Im a resident here and trying to do the right thing. MY social is a govermnet number that was given to me Please help protect me. You can XXXX   me Im a real honest person I would never mess up my credit I cant Im struggling for my citizenship. This is wrong. How can someone do this. Please help remove these 4 accounts thats not mines. Godbless XXXX XXXX XXXX XXXX XXXX  XXXX Reported : XX/XX/2018 {$5000.00} Needs Attention XXXX XXXX Reported : XX/XX/2018 {$1900.00} Closed XXXX XXXX XXXX  Reported : XX/XX/2018 {$16000.00} Closed XXXX XXXX XXXX XXXX  Reported : XX/XX/2018 {$20000.00} Closed
Product: Credit reporting or other personal consumer reports

I used XXXX multiple times and have never had an issue but this one purchase. I purchased a product from XXXX using XXXX  and I didnt receive the product. The product was said to delivered but was not. XXXX did not ring my bell or alert me to any delivery that day. Instead I am told it was left downstairs in front of my building where it can be accessed by anyone without a key. I purchased this on XX/XX/2023. I have been going back and forth with XXXX  and XXXX  explaining to them I have never received the package. The company did an investigation and took XXXX word that they delivered. I have had numerous deliveries with no issues and have used XXXX  and XXXX  a lot. The one time I have an issue they are unwilling to support in this matter. I shouldnt be responsible for a package that wasnt received.
Product: Debt collection

I understand that FCRA 605B requires the elimination of any erroneous accounts from my credit report. Would you kindly examine the documents? Numerous listed accounts are inaccurate, and it's unsettling for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XXXX 2024, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 
Experian Response : Experian used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, XXXX stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... XXXX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE.

This response failed to address my specific request for a manual review, and XXXX provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Mortgage

I 've been involved with several complaints against Bank of America and in each attempted response, while they address little to nothing, they have literally now sent me XXXX ( very literally ) XXXX of pages of documents. I wish people could opt out of receiving paper documents especially after receiving them multiple times. So many pages have now accumulated that now simply have to throw all of this in the trash as it 's impossible to shred all of it.
Product: Vehicle loan or lease

I have recently checked my credit report with XXXX XXXX, and XXXX  and discovered that BMW Financial Services reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by BMW 's wrong reporting. I never had a single 30 days late payment on my BMW account since I leased my car. I've tried to resolve this issue many times in the last 8 months but BMW Financial Services does not act accordingly. I called BMW Financial Services and talked to different representatives who have verified that my account has never been late for 30 days. I've officially asked from BMW Financial Services to provide me with any kind of letter stating that I was never late on this account for the  months of XXXX, XXXX, and XXXX of 2019. I also asked to report that information to the credit bureau agencies : XXXX XXXX, and XXXX. But BMW Financial Services refused to resolve this problem.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ), as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX FOR {$1500.00}, XXXX XXXX XXXX, XXXX XXXX, Charges filed Officer XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted XXXX fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

Previously filed a complaint with cfpb but important documents didnt upload. Take this dispute as accurate and disregard the former complaint. 


I am filing this formal dispute with the Consumer Financial Protection Bureau ( CFPB ) to address serious inaccuracies within my TransUnion credit report. The primary concern centers on an auto loan erroneously labeled as not paid in full, despite being satisfied for over 60 days. These inaccuracies have had a substantial impact on my financial standing, requiring a comprehensive resolution in compliance with the Fair Credit Reporting Act ( FCRA ). Issue at Hand : The core problem involves the misrepresentation of my auto loan payment history. Payments were satisfied for XXXX, and XXXX. A pivotal discrepancy arose in XXXX, inaccurately marked as 30 days late. This directly contravenes several FCRA sections, including Section 1681e, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c, and 15 U.S.C. 1681o. I have presented compelling evidence confirming the auto loans satisfaction. This evidence includes a lien release statement from the lender, an explicit statement from the lender confirming the loans fulfillment, and the issuance of the vehicle title with the removal of the lien holders name.
Product: Credit card or prepaid card

BMO Harris Mastercard refuses to enter my dispute for XXXX dollars of a XXXX dollar bill from XXXX XXXX XXXX. I have never experienced this with a credit card company. The situation is that the dealership sold me a battery, and offered a free tow and to put it in. Then the bill shows {$190.00} for something called a XXXX that I did not co sent to. They claim that the XXXX is necessary for the battery to work correctly, I have inquired with other mechanics and they think that is absurd. I tried to resolve the issue with XXXX, the manager would not come out to speak to me and I was not going to enter their office area as another associate from XXXX attempted to grab my cell phone out of my hand which made the situation hostile to any reasonable persons view. 
The dealership refuses to give me a print out of this XXXX, the results of it or any documentation. 
They also refuse to tell me how long it is that this XXXX took- they claim it is considered an hours work, well their shops hourly rate is maybe XXXX an hour, not XXXX, and in XXXX this is called gauging. They did nothing but drop a battery in the car and that was something they offered to do with the purchase of the battery ( just like an XXXX  would do... free of charge ). 
Notably, as a consumer I gladly would have gone elsewhere, but XXXX is the only ones selling XXXX XXXX and they effectively have a monopoly - and that makes this mysterious XXXX something that they then force on the consumer - in my case without any prior authorization - because i would have towed the car out, taken my purchased battery, and had any other shop put it in - for free - and I would tip them.

BMO harris Mastercard are operating out of XXXX I believe, they do not operate the way we do in the XXXX, and they will just tell you that you do not have a valid case. 

I had a very similar situation a year ago but with XXXX XXXX  tire for around XXXX dollars, effectively XXXX looked at it and then said they couldnt fix it due to regulations... nevertheless they did not so what I asked and Instead they tried to sell me not one..but 4 new tires!. Ths credit card company accepted my dispute of the charge and it was over with. 

BMO Harris also needs to answer to why they insisted I bring proof of employment, XXXX paystubs, and 2 forms of Identification to one of gheir branches foe them to unlock my card - and this is after I had used it for a purchase which made this even more strange. Their " Fraud '' department overstepped, and ultimately they did what they had to do which was unlocking my card. Keep in mind, I am in Massachusetts, and there isnt a BMO harris bank in the entire state. 
So theyve already wasted alot of my time since the inception of my card account with them. 

They really should not be doing business in Massachusetts, and maybe the entire country. 

They need to be educated on consumer protection laws. In MA you have 3 days to dispute things as a consumer as well. They need to learn about gauging laws in the states they wish to do business in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 
XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Mortgage

My wife and I bought our primary home with a mortgage from CitiMortgage in 2012, the investor on the mortgage is XXXX. We have been upto date on our monthly payments all along and have excellent credit profiles overall. The account is in very good standing right now. 

Recently we requested Citi to cancel PMI on the mortgage and an appraisal was performed, that showed the property had appraised a little. Based on the appraisal, we made a one-time additional payment of {$13000.00}, to bring the LTV to just below 80 % of the home value. Citi responded to us stating the investor rules on PMI require the LTV to be 75 %. When we appealed why PMI ca n't be cancelled with LTV at 80 %, they advised us to talk to XXXX. XXXX stated their rules require the loan to be XXXX years old, for PMI cancellation at 80 % LTV. 

Our understanding of federal rules on PMI, from consumerfinance.gov does n't require the loan to be XXXX years or older. Hence we 'd like to submit a complain, seeking help from the CFPB to help resolve the matter.
Product: Debt collection

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 bi more than sevon 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: Bank account or service

I tried to open checking account with XXXX and was denied based on information provided by " Early Warning Services , LLC ''. Information, I believe was inacurrate.
Product: Money transfer, virtual currency, or money service

I gratefully use an mobile device for money transfers with Zelle. And few times ran into problems with Zelle deducting sometimes double the transfer
Product: Money transfer, virtual currency, or money service

I have had an ongoing dispute with Bank of America after it approved funds from a fraudulent cashiers check I received from a customer. I was granted access to the funds the very next morning. Afterwards, I was asked by the customer to wire money, {$900.00}, to what was supposed to be a delivery person who was supposed to pick up the appliances I was selling. I used it the XXXX transfer tool Bank of America heavily endorsed on its sites, including its app. The whole process turned out to be a scam that happened right under BOAs nose. It was I who finally realized what was going on and took measures to contact the appropriate agencies. 

Since that time, Ive had to complain to several regulatory bodies, including the CFPB, due to the retaliatory measures BOA and its employees took, which included freezing my accounts twice on a Friday evening, without any warning, refusing to give me access to my debit card or cash over the weekend, and finally deciding to close my account and withholding my money from me, including money I had in new accounts that had nothing to do with the fraud. 

BOA has misled the CFPB into thinking it has worked to resolve the problem, but it hasnt. After the last feedback I provided the CFPB, I received another email from BOA requesting to resolve the ongoing dispute. Ive left three phone messages to the contact person and have not had my calls returned at all. Ive called at all hours of the day, and all I get are automated phone messages from BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Then below CLOSED personal loans do not accurately show account info such as original loan amount, monthly payment & more importantly, payment history for correct timeframe My credit factors states I have new accounts because these old accounts payment history is inaccurate/ommitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ACCOUNT # : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX The original company is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX school has been settled. Enclosed is the letter from XXXX XXXX that account has been paid in full. One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX XXXX ACCOUNT # : XXXX One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX FOUR DIFFERENT ACCOUNTS I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with Equifax. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. They are not mine. XXXX XXXX uses XXXX XXXX XXXX  to post same derogatory credit reports. Please investigate XXXX XXXX XXXX. This company has no base in XXXX or XXXX county. 

XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I contacted the company. The collection department rep was not aware why they placed this account on my personal credit. He claimed it was erroneously placed. It is a business account that has many shareholders and I am one of them. Account belongs to XXXX XXXX, XXXX Telephone number XXXX. 

XXXX XXXX ACCOUNT # : XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX I contacted XXXX XXXX to produce documentation from XXXX but only sent me bill that XXXX claimed that I owed. I do not owe XXXX any money. My contract has expired, all bills paid and equipment returned to XXXX. My daughter XXXX XXXX signed the contract with XXXX and I assumed the contract. XXXX XXXX needs to produce signed contract for my daughter and I or else remove the derogatory from my report. The bill produced by XXXX was not enough evidence that I still owe any bill with XXXX. XXXX billing system continues to generate bill and that was the one XXXX claimed I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Experian ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.
Product: Debt collection

I received a letter from Credit Collection Services dated XX/XX/2022 about an alleged debt, but they added it to my credit reports without giving me the opportunity to request validation of this alleged debt. I sent a letter dated XX/XX/2022, but they ignored it but continue to report this alleged account on my reports. 
I demand that they close this alleged account and delete it off my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been Account name Account number XXXX XXXX XXXX XXXX XXXX  account XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX # XXXX ) In accordance with the FAIR CREDIT REPORTING ACT law 91-505, Title VI, Section 611, Subsection A-D, Please send me an update copy of my credit report after your re-investigation
Product: Mortgage

Wells Fargo Home Mortgage Company routinely delays posting my monthly mortgage payments ; often until past due so that late charges apply.