23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had an accident in my XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX declared that the vehicle was totaled. The adjuster from XXXX XXXX XXXX was provided with three incorrect letters of guarantee from Kia Finance. The adjuster asked if I could get my attorney involved because they were not providing him with any information. Each letter Kia sent to the adjuster was the total amount of my loan, not the vehicle. On XX/XX/XXXX, Kia Finance cleared the total of my XXXX XXXX XXXX for {$16000.00}. I received a call from Kia Finance requesting a payment toward the remaining balance on the account which was {$1900.00}. I advised the agent that I could only pay {$250.00} at the time and I could make a payment every two weeks to clear the balance. On XX/XX/XXXX, I received a notification via email from my XXXX account that Kia Finance reported {$1700.00} as a charge-off on XX/XX/XXXX. I spoke with XXXX agents from Kia Finance on XX/XX/XXXX, concerning this matter. I asked if XX/XX/XXXX, to XX/XX/XXXX, 120 days to put a charge off on my credit. They only provided the address to dispute the report on my credit. It took from XX/XX/XXXX to XX/XX/XXXX to provide the correct letter of guarantee and receive a payment.
Product: Credit card or prepaid card

On XX/XX/2021 I booked travel using rewards points, the purchase came to XXXX XXXX. On XX/XX/2021 we received notification from the rewards group that our flight was canceled and we would be reimbursed the points used in the booking.

Almost 6 months later and over 10 phone calls and over 20 hours in total, the rewards department only reimbursed XXXX pts. No one, including the supervisors can explain why so little was reimbursed and keep transferring from one department to another. The departments we are transferred to say that they are the wrong department. It seems like we have no other recourse, but to file a complaint for the theft of {$2900.00} which is the monetary value of the missing points. Please help us resolve this issue.
Product: Mortgage

NVR Mortgage is my lender. they have pushed my closing date several times causing me to be homeless with my wife for 10 days. they started the process 1 day before planned closing day. they are unprofessional, rude and they don't pick the phone. the underwirter is discriminating against me buying a home. he is micromanaging everything and it's his right but when evidence is given he comes back with another way top delay closing. 

closing date was XX/XX/year> XXXX XXXX XXXX back and forth on documents and no answers to email immediately. delays and they put me in debt staying outside in a hotel. they are not responsible. they asked me for the transfer and i did transfer the ammount of {$23000.00} and didn't close on time. i am the only loser in this process. they can't get away with this. screwing fanilies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc. failed to secure my data. It was stolen and now I am at risk of having my financial identiy used to ruin my credit status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Inquiry date : XX/XX/XXXX ; Removal : XX/XX/XXXX Appeared on report : XXXX XXXX XXXX XXXX NY XXXX Address ID # : XXXX Type : XXXX XXXX  code : XXXX ( Info is attached ) ========================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove from all 3 bureaus immediately> DEPT OF EDUCATION/XXXX  Balance : {$2400.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} Total balance : {$14000.00} ========================================================= *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertising promises.
Product: Checking or savings account

I entered the parking lot of the TRUIST Bank Branch at XXXX XXXX XXXX XXXX in XXXX, XXXX, at approximately XXXX XXXX I had entered the parking lot to use the ATM machine which is located inside the building in a vestibule. My phone rang I had to take a call from my employer on the BLUETOOTH capability in my car.I was on the phone for a few minutes parked in the parking lot of the bank and I noticed through the rear view window of my car that there were bank employees looking out the drive through window of the bank and I could faintly hear voices. I was on a call so I could not hear what was being said by the bank employees through the intercom system where the drive through area is which i wasn't parked next to. I was concentrating on the conversation I was having with my employer. 
The bank employees came out of the bank and crossed over the parking lot I got out of my car and asked what the problem was because one of the employees was yelling at me that I was loitering. I responded that I was a bank patron going to use the ATM. I went up towards the car of one of the employees that was parked by mine and asked again what was the problem .They in turn said that they weren't permitted to leave the building if there was anybody in the parking lot.They said it was because of security reasons. I in turn responded that I was a patron of over XXXX yrs at this bank and had never been informed of this. 
I called the bank the next morning and asked for the Branch Manager and I got the women from the night before who said that it was a new policy and I asked how is a bank patron to be made aware of this. She said we would never b made aware of internal policies, I asked for a Regional Managers phone number she refused to give me. I don't appreciate the way I was spoken to by her or the employee that displayed a hostile tone with me and accusing me of loitering..
Product: Debt collection

XX/XX/2019, a person called asking for " XXXX XXXX. '' I informed the caller, that is not my name. She asked if she was just pronouncing it wrong ; to which I responded, " No, that's not my name. You are calling my phone number, but you have the wrong person ''. She continued talking stating she needed to verify that she was calling the correct number. I continued to inform her the name she is inquiring about, is not my name and to please take me off her call list. She refused stating she needed to verify who she was speaking to. I told her she never verified who she was ; not even at the beginning of the phone call, so I'm not going to give her any information. I said, " You called my number lady, I didn't call you ''. After a few refusals of identifying herself, she said her name was XXXX or XXXX  XXXX ; some name starting with an " XXXX '' from Portfolio Recovery. I told her that I know Federal and State laws and how she was calling and I had already informed her she had the wrong person ; was illegal debt collection practices. I told her I no longer wish to receive phone calls ; if she has something to say, the company may send a letter. She then asked, " so do I have the wrong person because we will keep calling looking for our customer? '' I stated, " Clearly, you have the incorrect person. '' Then she hung up.
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 XXXXXXXX {$1700.00} XXXX  XXXX {$1400.00} I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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

As directed by XXXX XXXX  and XXXX XXXX ( contact departments, name and numbers available upon request ) XXXX I have been directed to submit this complaint regard the most recent questionable/criminal activity by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company 1. JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to Local, State ( Pennsylvania ), Federal agencies and Court Administrations - Commonwealth of Pennsylvania XXXX, XXXX  County, PA, - Superior Court of Pennsylvania, Appeals Court, Philadelphia, PA, - United States Bankruptcy Court, XXXX  District of Pennsylvania, XXXX, PA ( Note : Fraud on the court has/is taking place by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company and its legal representatives ) JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to borrower a Veterans Home Loan recipient in writing and by telephone calls JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is continuing to distribute inaccurate/misleading/fraudulent mortgage account, mortgage servicing, financial transaction records, mortgage investor information, Veterans Home Loan underwriting and origination requirements ( insurance riders/policies ( disability, mortgage ( pmi ), flood, homeowners ) and escrow requirements Local, State, and Federal law enforcement has been notified and evidence has been submitted A few documents are attached to this complaint Suggest CFPB review documents and complaints submitted prior to this Additional documents, witnesses, and recordings are available upon request If there are any questions or concerns contact complainant
Product: Debt collection

I have mailed and called XXXX and XXXX  and also mailed Capio Partners LLC about their violations of me and my credit report. They have committed the following FDCPA Violations HIPPA Law Authorization : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Furthermore, they did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I also requested 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) The Agreement that grants you authority to collect on this alleged debt.

4 ) A copy of your state license, including license number that give you rights to collect in my state.

5 ) Please provide a copy of my signature with the provider of service to release my medical information to you.

6 ) Please provide a breakdown of fees including any and all collection costs and medical charges.

Their lack response, they have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights
Product: Credit reporting or other personal consumer reports

I been at this address since XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
The credit companies has multiple addresses I never live at. 

Collection/Charge-off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.
Product: Credit reporting

I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to Transunion and XXXX to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.
Product: Credit reporting or other personal consumer reports

I had vehicle insurance with them and out of nowhere they added 2 additional people to my account causing it to rise tremendously. I called and informed then that added people lived somewhere completely different from me. I asked them to adjust account and remove the 2 added unauthorized people to my policy. After several requests this still wasn't done. The other people do not Stay with me at all.
Product: Debt collection

The collection account below is a result of identity theft. 

Date : XX/XX/year> Collection Agency : Transworld System Inc Creditor Name : XXXX XXXX  Amount : {$710.00} Someone has used my identity to open utility accounts for various addresses in the the state of Texas. XXXX XXXX ( Transworld System Inc ) is the latest. I have never lived in Texas and if you review the lifetime of my credit report its obvious this is fraud not only because of my residence but also my pattern of paying bills on time. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this complaint be the proof that I need the CFPB to investigate XXXX  and how they are not honoring their legal settlements between them and their clients. 

XXXX and I signed a legal settlement on XX/XX/XXXX. XXXX was to send a deletion notice for the months of XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus within 10 days of full execution of the agreement ( once both parties sign ). Per the legal agreement, XXXX was to send an update no later than XXXX. 

Its been almost three months and they havent sent the update to the credit reporting agencies. The credit bureaus are saying no update was sent to them for the late removal. 

We just got turned down for a mortgage, since this late is still on there, and will hold XXXX responsible for damages. I lost the opportunity for a loan due to XXXX ' breach of contract. 

I am afraid that XXXX is committing breach of contract not only in my case but also with other customers. 

See attached proof of agreement and credit report that shows the late payments are still being reported.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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: Credit reporting, credit repair services, or other personal consumer reports

Experian recently responded to complaint # XXXX ; however, they continue to demonstrate willful misconduct by failing to address the specifc nature of the complaint. 

THIS IS NOT A REQUEST TO VERIFY THE DETAILS OF THE PUBLIC RECORD IDENTIFIED IN THIS COMPLAINT. 

Again, I am providing factual and relevant information proving Experian 's unlawful credit reporting activiy. The public record IS NOT REPORTING CONSISTENTLY within Experian 's organization - how can this be? v I received correspondence from Experian on XX/XX/18 and that alledged verified information is NOT what Experian is currently reporting to lenders ( see dated factual evidence attached ). 

I have had enough of Experian 's dismissive nature. They continue to violate the Fair Credit Reporting Act. DO NOT SEND ME ANY CORRESPONDENCE REGARDING YOUR " VERIFIED '' INFORMATION. 

I am specifically requesting an INTERNAL INVESTIGATION as to why ONE entity ( Experian ) is reporting ONE " verified '' account TWO different ways.

The continued lack of acknowledgment willful negligence to correct or delete this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). I will be forwarding this and all correspondence to date to XXXX XXXX at the Illinois Office of the Attorney General. She has been in contact with Senior Regulatory Affairs Department at Experian.
Product: Mortgage

On XX/XX/2021 my HOA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX sent all the residents in my building a letter stating that Flood Ins for our units have changed from an XXXX  to XXXX. Therefore, we were no longer required to carry flood Ins. I sent the letter to my Mortgage Company PNC, along with the Flood Certificate, showing that the XXXX Community number on the flood map is the same as the new Fema Map # is XXXX XXXX, which shows that my property is now located in flood zone XXXX and Flood Insurance is no longer required, per FEMA. Per PNC Bank, the want a XXXX Letter, which I can not obtain. PNC will not accept the new FEMA MAP or the Flood Cert that was provided to me by XXXX XXXX XXXX. PNC is now requiring for me to obtain Flood Ins or they will put forced placed Flood Ins on my home. I can not afford to pay for Forced Placed Flood Ins. By doing this, this will cause my mortgage payment to increase considerably, which will force me to sell my home or go into foreclosure. My HOA paid the flood Ins for my property in the past, but dropped it, due to the new Fema Map. There is 6 units in my building, I am the only person that has PNC and the only person required to carry flood Ins. This is just ridiculous, and I can get no where with PNC. PNC is not fair and is ignoring FEMA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX Bank to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet Equifax Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!!

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  XXXX they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

XXXX  Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on Equifax which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.