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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate ad correct these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$610.00}
Product: Prepaid card

Bank of America and the pandemic unemployment benefits in 2020 they denied the claim for whatever reason then they send me a letter stating they know they caused me financial harm during the pandemic and to submit paperwork showing them the damage they caused me by me not getting access to the funds on the card due to fraud well I submit all the paperwork throw this XXXX company they have working on there behalf for the XXXX and its been over a year no response then they reopen the claim from 2020 for XXXX XXXX  and Im like finally maybe I can begin to move forward but instead of paying the claim as they should have they add insult to injury and tell me that they are reviewing a claim thats already been reviewed and no provisional credit has been provided or anything and they are the one who contacted me once I submit a complaint to CFPB they send me an email to the resolution department telling me to reach out which I did and they are supposed to respond within 48 hours well its been 4 going on 5 days and I can count thats way more than 49 hours why are they prolonging something that they have already admitted to fault of who does this I lost my home my car due to Bank of America shutting down my card sending the new one to the wrong people all because of there faulty system that couldnt the real customers from the fraudsters during the pandemic I just want to get my life going and the XXXX would have been a little bit of a start why wont they just pay what they owe instead of misleading people if the claim has been reopened why isnt treated like it should be after 10 business days if they are still investigating they should pay the provisional credit and continue with the investigation on there own why must I continue to suffer that is the FDIC promise that if they havent came to a decision within 10 business days the provisional credit is added to the account and they continue the investigation on there own why are they not doing whats promised I need the money its mine I never received it and I would like it back Bank of America is misleading consumers with these extended periods of them acting like they are going to fix what they screwed up just like The XXXX  process is just a bunch of XXXX  to make it seem like they are doing whats required of them so they wont get fined again when they are not its all smoking mirrors just buying them time I want the money that they owe me not an email telling me to contact a answering service and wait for someone to call me back with 48 hours and its going on 5 days and still not contact just give me my provisional credit and do as you say which they are not in compliance with federal FDIC or whoever laws they are just screwing people over however they want with no ramifications
Product: Credit card or prepaid card

I was declined for credit from Avant back on XX/XX/2022. They failed to send me an adverse action notice until 194 days later on XX/XX/2022. This is a violation of ECOA Regulation B timeliness requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan in XXXX with Ameris Bank for a vehicle. The vehicle was charged off in XXXX of XXXX. Then, in XXXX and XXXX of XXXX, the bank, not myself, re-opened the credit line and reset the timeline for negative information on my credit report. I have filed several disputes trying to have this information corrected and it was denied every time ( it was stated that this was accurate ). I have done nothing to re-age the debt, I have made no partial or full payments on this debt, and was not current in XXXX at any point in time. The last payment was in XXXX, and Ameris Bank illegally re-aged this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX-XXXX  XXXX Creditor 's Address : Dear Sir or Madam, RE : Unauthorized Credit Inquiry by Your Company on my Credit Reports DISPUTE INQUIRY While checking my personal credit report, which I acquired from [ Equifax ], I noticed an inquiry made by your company on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report, wrongfully access information without consent. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.

1. ( a ) Verification. Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity.

2. This is an un rebutted statement of facts. Your response is not required, however if you fail to rebut these statements within ( 5 ) days then it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading.

3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity.

Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document.

4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 

As it is that I am willing to contact the Federal Trade Commission, Report you to Both The XXXX XXXX XXXX XXXX XXXX and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved. 

If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ]  and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Error Resolution Demand Letter XX/XX/XXXX LoanCare Attn : Mortgage Resolution XXXX. XXXX   XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX . 
XXXX, NC XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage and escrow on my property located at XXXX XXXX XXXX, XXXX, FL XXXX. 

I have made numerous requests to your company and talked to many customer service representatives and supervisors about the error that you company has created, but the issue has not been addressed. 

Your company paid an incorrect tax bill to XXXX County Tax Commissioner on  XX/XX/XXXX. The amount paid was {$4900.00}, but the correct amount owed was {$3300.00}. Your company representatives stated that they would seek a refund and credit my escrow balance. I explained that based on my experience with your company, that I had no confidence that this would occur and that my escrow payment would be adjusted upwards. This is now what has occurred. 

I just received my new XXXX escrow statement and the taxes have been adjusted upward by {$110.00} beginning XX/XX/XXXX due to failure of your company to correct this error. Your company has misappropriated funds from my escrow account and I demand that this issue be resolved immediately. I will not pay a higher escrow amount due to your companys error. 

As I write this letter I have been on hold with your company for over 45 minutes. I cant tell you how many hours I have spent trying to get your company to resolve this error. Your company without a doubt has the worst customer service I have ever experienced. 

I request immediate attention to this matter. I can be reached at XXXX or by email at XXXX. 


Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute the inclusion of medical bills on my credit report, as this is in direct violation of recent changes in the law, which were enacted to protect consumers from unfair and harmful credit reporting practices. 

As of XX/XX/year>, a new regulation signed into law by XXXX XXXX XXXX specifically prohibits the reporting of medical debt on credit reports, with clear stipulations that these accounts must be removed immediately from all credit reports. The law also restricts credit reporting agencies from including medical debt under certain circumstances, particularly when the debt is under dispute or has been paid or settled. 

Upon reviewing my credit report, I have found XXXX XXXX XXXX XXXX listed as active debts. I demand that you immediately delete these medical debts from my credit file, in accordance with the updated law. 

It is clear that the continued reporting of these medical debts is unlawful and in violation of my rights under the new legislation. Your failure to remove these items will not be tolerated, and I will be forced to take further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, as well as pursuing legal remedies for any damages caused by these inaccurate and illegal entries on my credit report. 

Please provide me with written confirmation within XXXX business days that these medical debts have been removed from my credit file and that my credit report is now in full compliance with the new law. Should you require any additional documentation from me to expedite this matter, please let me know immediately. 

I expect prompt resolution of this issue and will take all necessary steps to ensure my rights are fully enforced. 

Sincerely, XXXX
Product: Checking or savings account

PLEASE REVIEW MY PREVIOUS CLAIM Please read and see images XXXX and XXXX to reference. XX/XX/22 i was charged XXXX twice. That would be from image XXXX XXXX equals XXXX for XXXX travelers. Also XX/XX/22 i was charged XXXX XXXX times ( refer to image XXXX ) that is XXXX for XXXX XXXX. On XX/XX/XXXX XXXX was charged for XXXX travelers please refer to image XXXX for XXXX Also XX/XX/XXXX XXXX was charged for XXXX travelers for XXXX Then XX/XX/22 trip protection XXXX and XXXX The additional charge of XXXX from united is unauthorized and unaccounted for. The other images i sent show the total for both receipts which comes to i believe XXXX and XXXX that is XXXX and as you can see on my statement i was charged a total of XXXX PLEASE REVIEW MY PREVIOUS CLAIM There is {$280.00} inaccounted for. Please look at images. I had XXXX purchases from XXXX for XXXX XXXX XXXX XXXX XXXX. Both receipts are attached and you can see what inwas charged and if the charges are totaled uo i was charged a extra {$280.00}. You can even see the XXXX rep say that charges is unaccounted. 

I have disputed this XXXX time already and no one has taken the time to review the actual fact. I keep having to take time out of my work day to call and its causing me major stress and anxiety. If this is not resolved I will be taking this to small claims court.
Product: Debt collection

I hope this letter finds you well. I recently reviewed my credit report and noticed discrepancies regarding late payments, specifically related to my XXXX XXXX account ( Account Number : XXXX ) in XX/XX/year>.
Product: Credit card or prepaid card

I have a prepaid credit card with capital one. I always pay my bill on time, and my payment posts to my account and the money is taken from my bank. Yet capital one the past 2 months has not let me have the credit for an average of 14 days. So i told them to close my account. They said they would but would not return my prepaid money for 60 days. The agreement i have with them said my money would be returned in 10 business days not 60 as they now state i have to wait for my money. So i am complaining that they are keeping my money hostage for 50 days longer than our original agreement.
Product: Credit card or prepaid card

I hope all is well ... 

I have been talk to very rudely due to an error on my part when I made my payment in XXXX on XX/XX/XXXX I made it through my app on my phone. When I went to make the payment last month it already had XXXX XXXX on my account so I chose that option to make a payment. A couple days had past after I made the payment and I was checking both of my apps to make sure the payment went through. I havent ever been late on any credit or bill my whole life and if you pull my credit or look at my card history you can see that. I notice it didnt go through and called XXXX XXXX to see why they advised me that I used my Savings account with them and thats why it didnt process but I did not know that was the type of account on the options of my Wells Fargo app I thought it was my checking but it was already there so once I realized I quickly went to my Wells Fargo app and updated XXXX XXXX to the checking account and my payment came out. I do apologize it was not done on purpose it was an honest error so I technically was not late I had the money just didnt know it was XXXX XXXX Saving account on the Wells Fargo app for the select payment because it was already there. When I made the payment on XX/XX/XXXX I was already the checking account on file on my Wells Fargo app for XXXX XXXX so it went through with no problem. I called to see why my available credit was {$0.00} because I made a payment and it should be an available credit but when I called in I was spoke to really rudely as if I was really late without them asking what really happen they advised me it was an hold on my available credit. I finally did a complaint several with the executive department because some agents did not want to help or listen state I should read my terms and conditions and things like that. One executive agent advised that she reach out to the department that releases the available credit and they told her they will email me so I can send a screenshot that my payment went through XXXX XXXX and in a 2-3 couple hours I will she my available credit I did exactly that and screenshot it and my available credit is still {$0.00}. I called in Saturday and was talk to very rudely again but than I did another complaint and talk to someone else in the executive department after I had to hang up on the previous agent for not trying to help and listen to me at all but she advised me the department that releases the funds was closed on the weekend the agent after I hung up on the other agent. Im about to pay this card completely off in 30-60 days I just needed my credit for an emergency. Im XXXX and Im XXXX XXXX XXXX XXXX XXXX XXXX a year ago back to back I dont need the stress I need help and someone to listen. I made an honest error and get treated this way. My available credit is still at {$0.00} and I did everything I was supposed to do. Thank you for your time. Have a great day and please be safe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Missing Information - The account number for the XXXX XXXX XXXX XXXX account ( number XXXX ) is incomplete. 
Discrepancies : This account is not listed on XXXX and XXXX reports. 
Request : Verify the accuracy of the XXXX XXXX XXXX XXXX account information. 
If unverified or inaccurate, DELETE the entire entry from my report according to the Fair Credit Reporting Act ( FCRA ) 1681 ( e ) ( b ). 
Additional Information : Attached consumer report
Product: Debt collection

To : Loan by Phone Date : XX/XX/XXXX From : XXXX XXXX. XXXX Subject : Fraud account dispute and identity theft Summary : recently XXXX XXXX turned over an account to XXXX XXXX XXXX that your company transacted in XXXX using my stolen identity information. 
Th details provided by follows : XXXX XXXX turned over an account with my stolen credentials associated with it for a overdue payment of balance of {$780.00} from a Loan by Phone payday loan from XXXX for the amount of {$600.00} to a collection company XXXX XXXX XXXX. 
This loan was obtained by someone other than me from your company and money sent to an account at XXXX XXXX with the account number ending in XXXX. 
The account ending with XXXX is at XXXX XXXX XXXX not my account. I do not do business with XXXX XXXX. 


Details supplied by XXXX XXXX about this transaction. 
This account was placed with XXXX for collection by the current creditor, XXXX XXXX, XXXX, on XX/XX/XXXX, with a balance of {$780.00}. This balance is related to a payday loan originally obtained with Loan By Phone d/b/a Check Into Cash, on XX/XX/XXXX. According to the details provided by the creditor, the proceeds to this account ( {$600.00} ) were deposited into a XXXX XXXX XXXX Bank account ending in XXXX. 

Actions Taken : 1. I have filed a police report with the XXXX XXXX XXXX XXXX in XXXX OH for identity theft. 
2. I have filed a complaint with the Federal Trade Commission 3. I have filed a complaint with the XXXX XXXX XXXX.

4. I have filed disputes with the Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I sent this email to you in hopes of finally getting this resolved. 

Sincerely, XXXX XXXX. XXXX XXXX SSN : ending XXXX XXXX XXXX
Product: Mortgage

The Mortgage is owned by BECU- Boeing Employee Credit Union . The loan processor is XXXX. 

For the past two years, I've had a nightmare every annual when it comes to insurance and escrow. I purchase my own insurance. My insurance company send in the policy and I also uploaded to their web portal XXXX, but it seems to fall through deaf ears and I am being bullied. 

Escrow : Account 1 : XXXX Account 2 : XXXX ( condo ) The mortgage processor raise my monthly payment without proper notice or allowing me a chance to pay the difference. They citing tax payment goes up. I have been asking for an opportunity to pay, but they bullied me and told me legal no, XXXX. While on XXXX, I have to go on a website and able to pay the difference, to keep my payment the same.

Insurance : The insurance department for this loan processor isn't reachable by phone. They told me, customer service, that I can't communicate directly with the insurance department, whereas, the insurance department sent mail to the wrong mailing address, resulting in they buying insurance for my condo, which I already have. I've been trying to submit and resubmit multiple times, but no confirmation of whether if they received. I'm beyond frustrated. It causes my monthly payment to go up.

Appraisal to get rid of PMI : The processing company charges {$800.00} for an appraisal that is higher than what market price is, typically $ 300-700. The third party company they hired to hire a local contractor, canceled multiple time, and came out to do an a appraisal, and unable to send in the report. When asked for the appraiser license number and information, the company fail to produce and shared they aren't obligated. I have no way of verifying the stranger that I am opening my doors to let in. 

I even reached out to the BECU customer services about my grievance. As an XXXX XXXX XXXX  veterans. My health has been definitely impacted by the level of stress from this company. I am have begged the bank for a mediator and they called once left a message, and I was unable to reach them. The bank simply shared they do not have any regulatory body over the processing company. Please help. It have taken me 3 months to be able to pull the focus and energy together to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from the seller XXXX XXXX XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.
Product: Credit reporting or other personal consumer reports

The following inquiries are reporting on my credit report and have no permissable purpose. They were not authorized to get a copy of my credit report. 

XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX  inq date : XX/XX/XXXX XXXX XXXX XXXX inq date : XX/XX/XXXX XXXX  XXXX inq date : XX/XX/XXXX XXXXXXXX XXXX  inq date : XX/XX/XXXX XXXX inq date:XXXX XXXX  inq date : XX/XX/XXXX XXXXXXXX XXXX inq date : XX/XX/XXXX XXXX XXXX inq date : XX/XX/XXXX According to the FCRA Section 605B It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this item numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX  XXXX
Product: Debt collection

Midland is inaccurately reporting to the credit bureaus that I have two open accounts with them. The alleged accounts are being reported as " open '' and state that I allegedly owe them {$1400.00} total. They have parked the accounts on my credit report and update the account information monthly. That information is not true and a way for them to extort money for an unsubstantiated account. 

Midland has been sued for the exact practices to which I am a victim of and I would like them to cease reporting to the credit bureaus and stop collecting. The CFPB has reprimanded Midland for such tactics as shown here : https : //www.consumerfinance.gov/XXXX As well as in the consent order here : https : //files.consumerfinance.govXXXX