23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

While working on a loan modification with XXXX XXXX, XXXX XXXX advised me to settle credit cards owed to Capital One in order to receive a loan modification. My home was going into foreclosure and the other option was to file for bankruptcy. I made a payment plan on XXXX accounts and did not receive any notices from Capital One regarding they accepted my settlement agreement. I have also requested to have all complete account information, including the original account applications to be forwarded to me. I have been trying to accomplish this since XXXX already and can not get any answers from Captial One. I do n't know what is going on. Captial One never acknowleged receiving any payments from me, not one time has there been any correspondence of receiving any money on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND ON XXXX AND TRANSUNION THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~
Product: Credit reporting or other personal consumer reports

while checking my most recent credit report i noticed unauthorized and fraudulent credit inquires made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. in addition I did not give them permission to furnish this information onto my credit report this is a violation of the FCRA SEC.1681b ( c ) which constitutes as fraudulent activity an is a serious breach of my privacy rights. 

Fraudulent and unauthorized hard inquiries XXXX XXXX, date opened XXXX XXXXXXXX XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX ( XXXX  ), date opened XX/XX/year>, XXXX XXXX ( auto ) date opened XX/XX/year>, XXXX XXXX XXXX, date opened XX/XX/year>, XXXX XXXX XXXX date opened XX/XX/year>, XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Debt collection

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX -Date of inquiry XX/XX/2021
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. 
XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 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, credit repair services, or other personal consumer reports

I began trying to get my credit straightened out in XXXX of this year. I paid close attention, ( checking my credit daily ), to what was going on with my credit. In XXXX of 2020, I noticed an inquiry from XXXX XXXX, which I did not make. I sent notices to the three credit bureaus an XXXX XXXX. Around the end of XXXX I received a letter from XXXX XXXX  that contained information on who to contact if the inquiry was truly not mine. Around XX/XX/XXXX, I contacted the fraud unit at XXXX XXXX  and they sent notices to the three credit bureaus. Two of the bureaus, XXXX XXXX and XXXX  immediately removed the inquiry from my report, but Experian as of this date has still not taken action to correct the information. As a matter of fact, my score with Experian has been slow to improve, as they appear to drag their feet when addressing issues that are pointed to them. When XXXX XXXX  notified the credit bureaus of the fraud, They did so by computer, so the information was there when it was transmitted.
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 U.S.C 1681 XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX reports 1 late payment in XXXX on trans union and on XXXX reports late XXXX XXXX XXXX no lates should be reported on this account 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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: Mortgage

I sent a QWR to XXXX/Seterus On XX/XX/2016 there was no response to my questions but they did withdraw the foreclosure on the XX/XX/XXXX. I still have not received any answers especially about being reimbursed for all the fees/penalties & over payments of mortgage. In stead I was sent a statement charging me for their expenses related to the false foreclosure & increasing my mortgage payment.
Product: Mortgage

Every month I pay MORE than the minimum requirement on my mortgage and have been doing so for over 15 years since I want to reduce the principal faster. 

Recently I have been sending in payments that are twice the size of mortgage payment. Bank of America arbitrarily has decided to split these payments into two separate monthly payments against my wishes and against my instructions. They say because my payments are coming from third parties their system sees it as two payments and does not reduce my principal as I desire. When this happens I have to call Bank of America to have it fixed. Since I will be doing this on a regular basis, I will need to call every month which is an undo and unnecessary burden on me. By doing this B of A also assure that they will collect more interest on the account since the principal is not reduced. 

I have tried to resolve this with them and have spoken to XXXX XXXXXXXX XXXX in the Wealth Management Client Care Executive Escalation team. He just keeps repeating the same thing over and over. He won't say they can't help me ( I'm sure he has been instructed never to say that ) and can not fix this problem. A company that is as big as B of A should be able to help me but they will not. 

I repeat, I am trying to pay EXTRA on my mortgage but they are making it very difficult as they are making arbitrary decisions on how my payment is allocated and they will not fix it nor will they admit that they will not take any steps to fix it. They put the burden on me to call and have it fixed. When this happens, they will NOT reissue me my monthly statement. I have to ask them to tell me what the new mortgage payment is. This is truly insane. 

B of A speaks out of both sides of their mouth. If I send in {$2000.00} on a required {$1700.00} bill, the system processes the additional amount correctly. The {$300.00} goes to reduce the principal. If I send in {$4000.00} only {$1700.00} goes to the monthly payment and they split out the {$2300.00} for the following month Finally, my mortgage is a variable rate that is tied to XXXX and B of A has not informed me of how this change is being handled given that XXXX does not exist. 

Thank you for you help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute to Equifax regarding XXXX. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force XXXX to update the information on XXXX XXXX and Equifax. Either Equifax failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. XXXX is not the most ethical company and neither is Equifax. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to Equifax and Equifax 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on Equifax 's response! It just gets worse! All info is on XXXX 's correspondence to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of Experian, XXXX, and XXXX to protect consumer privacy and maintain accurate credit reporting practices.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

Received a collection notice from Transworld Systems Inc. in regards to a final utility bill that was never received from XXXX XXXX. When I cancelled service with XXXX XXXX, I was told they would use my deposit for my final payment. Apparently the deposit did not cover the full balance remaining. I initially disputed Transworld for validation of the debt to which they sent the final utility bill from XXXX XXXX. Upon receipt of Transworld Systems response, I contacted XXXX XXXX and talked with their customer service representative on a recorded line. I explained that I had never received the final bill at my new address and wanted to pay it with a guarantee that XXXX XXXX would remove the account from Transworld Systems Inc. and also from reporting on my credit file. The customer service representative put me on hold, spoke to a supervisor, came back on the recorded line and assured me that if I paid the account in full XXXX XXXX would recall the debt from Transworld Systems and have the item removed from my credit report. It is now nearly a year later and the tradeline is still being reported as a collection by Transworld Systems Inc. on my XXXX  credit file. As I stated, the call with the XXXX XXXX rep was on a recorded line and I was guaranteed the removal of this item since I never received a final bill.
Product: Credit card or prepaid card

On XX/XX/2619 I went to u.s. bank about XXXX in the morning to pull money out of the ATM like I always do it was broken when I put my card in it fell straight down to the people that were working on the machine I asked the lady can I have my card back she said I need to see ID I said hold on a second I have to go get it out of the car when I came back she had took it upon herself to shred my card, I understand policies I was just going to the car she didn't even give him the time I never received money from the ATM or anything like that I use that ATM all the time.she had no right to shread my card and then lied to my husband and said the machine did it when the machine was broke down she did it.
Product: Checking or savings account

amplification of closed complaint Wells Fargo Bank COMPLAINT ID XXXX they do not address any of the specuified issues stated in the attached documents including the XX/XX/year> notice to CFPB the issue remain unresolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim of their security breach according to their equifaxsecurity2017.com website, and I would like a resolution.They did not notify me in a timely manner and put all of my personal information at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the three credit bureaus to try to update and remove old personal information on my account only to get nowhere. It seem like a hassle nowadays to get any help from them.
Product: Credit card or prepaid card

I have a Chase bank Visa card. Chase bank finally did credit my account after nearly two months in the amount of {$130.00} regarding the dispute with XXXX  XXXX XXXX. 

Since than I have been billed inappropriately by Chase bank. First there was some kind of charge from XXXX XXXX XXXX. I have no idea what or where that has come from. Chase bank has cancelled it, and is in the process of sending me a new Visa credit card. 

Now, Chase bank is incorrectly billing me for {$64.00}. As they have billed the amount TWICE. I spoke over the phone with a gentleman from Chase named XXXX who was in XXXX. He told me to contact XXXX XXXX regarding the double charge for the amount of {$64.00}. I have done that and have emails from XXXX XXXX that admit that there was ONLY ONE PURCHASE in the amount of {$64.00}. From reading their ( XXXX  XXXX ) emails, the first charge should of dropped off. Chase bank is at fault. For charging me TWICE for just ONE PURCHASE. 

Added NOTE : I have a New Chase Visa card coming in the email. I only know the last four numbers are : XXXX Sincerely,
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

I received a postcard from CITIZENS BANK stating I would earn {$700.00} if I opened and maintained both a CHECKING ACCOUNT and SAVINGS ACCOUNT as per conditions on that card. I DID SO, having a representative assist me to be sure all I 's and T 's were dotted and crossed correctly. I tried to transfer funds as quickly as possible, but I could NOT due to CITIZENS BANKS 's limits on transfers. I thoroughly followed ALL instructions as I could. NOW, they are refusing to follow through and pay me what they owe me!
Product: Vehicle loan or lease

We bought a new car on XX/XX/18. We are co-owners. The dealership submitted numerous applications to secure the loan. We were ultimately approved for the loan by a credit union for an interest rate of 3.99 %. XXXX  was one of the lenders that denied the loan. My complaint is that we did not receive our credit denial letters from XXXX  until today, XX/XX/18. We received one letter for each of us. The letters are dated XX/XX/18. The Fair Credit Act states that creditors only have 30 days to send denial of credit letters. It even states on the bottom of our letters that our credit was pulled from XXXX  on XX/XX/18. XXXX is obviously considerably over the time that the law allows.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Illegal Reinsertion of Information in My Credit Report Dear Sir/Madam, I am writing regarding dispute report No. XXXX, dated XX/XX/year>, in which you confirmed the removal of certain negative accounts from my credit report, specifically : * XXXX CARD ( XXXX ) Deleted * XXXX BANK ( XXXX ) Deleted However, I have discovered that these same accounts have been reinserted into my credit report without proper notification and without compliance with the requirements set forth in the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Legal Basis for My Dispute 1. Violation of FCRA 1681i ( a ) ( 5 ) ( B ) * According to this section of the FCRA, if an item is deleted from a credit report as a result of a dispute and is later reinserted, the XXXX XXXX XXXX ( Experian ) must notify me within XXXX days of the reinsertion and provide the name and address of the information provider. 
* I have not received such a notification, which constitutes a violation of the law.

2. Violation of TILA and Deceptive Practices * The reinsertion of previously deleted information without clear justification and without my consent may be considered a deceptive practice under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), designed to protect consumers from inaccurate credit reporting and manipulative actions by credit agencies.

3. Failure to Follow Verification Procedures * If Experian reinserted this information based on data provided by the original creditor, I have the right to receive a full and detailed verification of the alleged debt under the FCRA. If you can not provide valid and verifiable documentation, this information must be removed immediately.

Immediate Action Requested Based on the above, I demand that Experian : 1. Immediately remove the reinserted accounts from my credit report, as their reintroduction violates the FCRA.

2. Provide me with a detailed explanation of why these accounts were reinserted and what information was used to justify such action.

3. Send me a copy of all correspondence, documentation, and evidence used for the reinsertion of these accounts.

4. Cease and desist from any future reinsertion of these items without my explicit consent and without following proper legal procedures.

If I do not receive a satisfactory response within 15 days of your receipt of this letter, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider taking legal action against you for damages.

I expect your prompt response and a favorable resolution to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I received an offer letter from the XXXX XXXX  XXXX XXXX XXXX XXXX in physiology in XXXX and contracted XXXX XXXX XXXX XXXX XXXX XXXXXXXX back in Summer XXXX which spread to my various organ systems and advised the XXXX  registrars office of my request to pursue a medical health related program withdrawal in XXXX XXXX XXXX  and provided verified doctors notes to confirm my absence from the program. The XXXX registrars office, program leadership team, and the XXXX program director remained grossly negligent and never responded or provided the necessary paperwork for a program withdrawal and I never received a response from the XXXX  office regarding my program withdrawal confirmation. I received an anomalous, erroneous {$7600.00} Spring XXXX personal bill from XXXX in XXXX XXXX months after I withdrew from the XXXX  XXXX program and left the campus for classes that I never registered for or completed. I would appreciate it if you could kindly null and void the erroneous {$7600.00} bill and refund the Fall XXXX and Spring XXXX tuition amounts ( Federal Direct Grad Plus loan paid in the Fall XXXX ( {$31000.00} ) and Spring XXXX ( {$25000.00} ) semesters + Federal direct unsubsidized loan of {$10000.00} ) back to the government. I have attached the erroneous XXXX  Spring XXXX bill and my personal request to withdraw from the XXXX  XXXX graduate program in XX/XX/XXXX due to chronic health issues in the files below for your review. The school manipulated me and forced me to stay in the program despite chronic health issues and never responded when I initially requested for a medical/health related program withdrawal at the beginning of the Fall XXXX semester. I was denied the opportunity to receive program withdrawal paperwork and the school remained grossly negligent to my request for months. Subsequently, the school recently threatened me with collection attempts starting from XX/XX/XXXX onwards months after I withdrew from the program for degree coursework that I never registered for or completed. I never received a degree from XXXX nor graduated. Kindly ensure that the below attached bill is voided and that my full XXXX academic year tuition loan amounts are returned back to the federal government. I would appreciate your kind consideration of my request. I have attached my supporting documents in the files below. Thank you.
Product: Mortgage

I am trying to refinance my mortgage loan that I have with XXXX. I have XXXX mortgages the XXXX and biggest is with XXXX and the XXXX XXXX and smallest is with Green Tree Servicing. On XXXX of 2015 I tried refinancing with XXXX but Green Tree, owning the XXXX mortgage to my home refused to subordinate the loan with XXXX. I fall under the HARP program but have not been able to take advantage of this opportunity because of Green Tree.