23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello - I reached out to Bank of America in XXXX of XXXX to look into refinancing my existing home loan. The main reason I went with them is because they have the loan already and I thought I could save some money/time. 

After going back and forth between loan officers the process got so confusing that I started asking questions. Knowing what I could sign electronically and what I couldn't was almost impossible to tell through their portal. Half of the time, uploading docs through the portal wouldn't work even though I ensured their size and formatting was correct. My questions to my primary and secondary loan officers went without answers. 

I pinged them multiple times to see where the loan was at - no response. When I finally got a hold of my loan officer, the time to provide documents that I didn't know the underwriters were asking for, had lapsed. Loan/attempt # 1 : Dead. 

The loan officer was so nice and convincing when talking to him about the disfunction - he owned up to not calling/communicating in a timely fashion. I was also now able to get a lower rate, so I went for it again. 

In early XXXX I tried the entire process again - paying for a new credit app fee again. Scanning documents and chasing info down again. This time I got it back to them very fast, concerned that the loan application could have the same issues as the first. 

The last correspondence I had with a loan officer was on XX/XX/XXXX. I made sure that the ball was in their court and I have that email to prove it. After getting nothing else back, I started to check in again with them to see where we were at. Each request got nothing back, so on XXXX, I CC 'd management and asked if they could get me a status. 

The sales manager/vice president ( of what I do not know ) came back with an email on XXXX stating that the loan had expired because of lack of needed documentation. I shared with him the email proving that I was in good standing and providing docs when asked. This time the Refi process went from " you are good, we will let you know '' to " the loan has expired because of the lack of documentation '' within 2 weeks. Each time I asked for a status after XX/XX/XXXX I got nothing back. 

They are supposedly working on getting me credited both credit application fees. Thank goodness there wasn't an appraisal fee associated. I will never use BOA again and will be actively shopping my refi around with someone else that I can hopefully trust. Sharing this in hopes that other will also avoid spending a ton of time and energy for nothing - stay away from BOA!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00}
Product: Checking or savings account

I closed a checking account with Truist bank on XX/XX/23. This was approximately a 30 minute process and I was assured that the account was closed. The bank proceeded to keep a one cent balance in this checking account and then subsequently charged me a XXXX XXXX fee for not keeping a minimum balance. This fee was charged on XX/XX/2023. Please evaluate if this is a chronic problem from Truist bank similar to the previous practices of XXXX XXXX several years ago. Also, please contact Truist to confirm this account is closed since I no longer trust any of their representatives.
Product: Payday loan, title loan, or personal loan

Mariner Finance , LLC emailed me on Saturday, XX/XX/XXXX, stating that I had provided them with my personal information and that they would like to proceed with a personal loan application. Additionally, Mariner left me a voice mail today, XX/XX/XXXX, stating the same thing. I never contacted them or in any way provided them with my personal information pursuant to a loan. Following this phone call from Mariner, I returned the call and was directed to voice mail, where I left a message requesting them to cease and desist. It should be noted that I filed a XXXX  XXXX bankruptcy in XXXXXXXX XXXX that included a loan from Mariner. The bankruptcy was discharged in XXXX of that year. Mariner is a predatory loan company that is harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number:XXXXXXXX  Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX  - Unauthorized Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

Subject : Final Demand for Removal of Inaccurate Information CFPB Case Reference Dear Experian Dispute Department, I am formally disputing multiple inaccurate and unverifiable items on my credit report, which remain despite previous disputes. The CFPB lawsuit against Experian found that Experian failed to properly investigate disputes and allowed incorrect information to persist, violating the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ). Given this legal precedent, I demand immediate action on the following be remove from my credit report as follows charge offs, auto repossession, collection account, and unauthorized hard inquires : As a consumer this the final notice under 15 U.S. Code 1681i, Experian has 30 days to correct or remove these errors. Failure to comply will result in formal complaints to the CFPB, FTC, and potential legal action. I expect a written response confirming the removal or correction of these items. Thank you for your prompt attention and I hope you understand my frustration was a consumer working very hard to repair what was took away from me due to IDENTITY THEFT VICTIM. 

Sincerely, XXXX XXXX ( Enclosures : Credit report with disputed items highlighted, supporting documents if available )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/2022
Product: Vehicle loan or lease

Almost every payment I made to this company was for more than the amount due. I thought that was a good way to pay it off sooner. I found that not only was it not being applied to the principal, it was miscalculating the interest as well. In addition, they frequently would charge me a fee for not having insurance. I have always had insurance. The insurance company would send them proof of insurance, as would I and they always said they didn't receive it until about the 5th time sending it. After that they would reverse the charge for the fee for not having insurance. Except once .... they charged me {$1200.00} for not having insurance, which I had, and didn't reverse it. 

They then proceeded to sell my loan to another company for the wrong amount. Now I am down to 2 last payments. I have paid more than owed for 4 years. My payment amount is {$310.00}. The current loan company says I still owe {$1900.00} after my last 2 payments. How is this possible when I never missed a payment and I paid extra every time? I went through the statement and their calculations are an absolute mess. Now I have had an accident moving cross country and the car has been totaled. The insurance company has to pay off the loan before paying me and there is a {$1900.00} error and their accounting is so screwed up that i can not even calculate their figures except to see the that the extra I paid every month did NOTHING to help me at all. Statement attached.
Product: Credit reporting

According to Experian I have incorrect names on my credit history as well as an account in collections with XXXX which was already paid in full.
Product: Debt collection

I have received multiple calls from this collection agency for someone else. I 've told the representative repeatedly that they have the wrong number. The rep continues to argue with about this being the first time that they 've called. 

Today the same thing happened only this time I was called a XXXX by the collection agency representative. I hung up the phone and called back and spoke with a supervisor. I was told that the they listened to the call and the rep would be reprimanded and my phone number would be removed from the call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay I sent in dispute letter to Transunion and I also sent in last year some ftc report stating that certain accounts wasnt mine they still chose to keep those accounts that wasnt my on my credit report so yes this is most definitely a problem they didnt investigate anything properly so I file a police report on one of the accounts that I stated wasnt mines after Transunion still kept it on my credit report when I politely ask them to remove it something need to be done about this ASAP please remove the fraudulent account from my credit report this account is XXXX XXXX XXXX balance on this account is {$520.00} please remove this or I will be taking legal action Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I STOP BY BY A CHASE BANK > ASKING A BANKER THAT I WOULD LIKE TO BE REMOVED OFF MY WIFE 'S CHASE CREDIT CARDS AS AUTH. USER > IT EFFECTS MY UDR % FICO SCORE. CHASE SLATE : XXXX CHASE XXXX : XXXX CHASE XXXX : XXXX I AM JUST AN AUTH. USER ON HER CREDIT CARDS. SHE MAINTAINS GOOD STANDING ON ALL HER CREDIT CARDS. BUT FOR SOME REASON HER BALANCES ON HER CHASE CREDIT CARDS ARE EFFECTING MY FICO SCORE. HER FICO SCORE IS GOOD BUT FOR SOME REASON HER CHASE ACCTS ARE EFFECTING MY SCORE.
Product: Debt collection

XXXX-Phone call received from # XXXX. It went to voice-mail. I listened and verbiage was odd. I have a visual vm image I'll attach with verbiage. 

Before I got the chance to call back, I had 2 family members call me saying they had been called. The person told them I'd be getting served from XXXX XXXX. Basically the same information that was left on my voice-mail. 

I called back and asked for the name of the agency and what debt they were collecting on. I then asked why I hadn't received any written correspondence when I asked for it the last time ( years ago ). I requested they mail me validation of debt owed so that I knew I was paying a legitimate debt and to the proper creditors. She said they would not and that she would note that I was not cooperating and have me served legal documents through XXXX XXXX. Then hung up the phone. 

I then called the original account holder who gave me a # to the collection agency they had on file, they had sold my account to another company. I then called them and they had sold it too. I'm now waiting on a call back from the 3rd buyer. 

I called back to XXXX and again requested that I be mailed validation, to which I was told they sent a letter " about 5 minutes ago to my email ''. The tone of the agent was condescending and threatening. When I respond that I want to make sure that I'm not being scammed I'm told to stop yelling. I explained again my frustration as I told her these hoops I went through before calling them back. I again requested it to be mailed to which I was told no. I asked for mailing information and companies business license number. I was met with more of an attitude. I was finally given a po box , another refusal of license information and hung up on. Not to mention I got a different business name every time I called.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being by Equifax, TransUnion, Experian. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. 18 missed or late payments on closed accounts that were disputed, paid in full, or inaccurate.

2. Any and all negative remarks, inquiries that dont match accounts on profile.

3. Data Breach, information stolen.

4. Additional names and addresses not used or never owned.

5. Denial of credit and Adverse Actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed the following account with the credit bureau ( Equifax ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTED A BANKRUPCTY WITH EQUIFAX ON VERIFIED BUT I ALSO ATTACHED A LETTER I GOT FROM THE BANKRUPCTY COURTS AND IT STATES THE COURTS DOES NOT PROVIDE THAT INFORMATION TO ANY OF THE THREE CREDIT REPORTING AGENCIES EQUIFAX IS GETTING  INFORMATION FROM A THIRD PARTY VENDOR AS IN THE FAIR CREDIT ACT IT STATES THAT INFORMATION HAS TO BE VERIFIED THREW THE DATA FURNISHER AND THAT WOULD HAVE TO BE THE BANKRUPCTY COURTS .BUT THE COURTS DON'T RELEASE THAT INFORMATION I ALSO ASK EQUIFAX TO PROVIDE ME WITH THE NAMES OF PERSON WHO THEY CONTACTED TO VERIFY THIS INFORMATION THEY FAILED TO DO SO .BECAUSE NO ONE FROM THE BANKRUPCTY COURTS WOULD RELEASE THAT INFORMATION.THEY ARE GETTING THAT INFORMATION FROM XXXX XXXX EQUIFAX HAS TO PROVE THE ACCURACY OF THE INFORMATION THEY ARE REPORTING ON MY CREDIT FILE I ALSO HAVE DOUMENTS FROM XXXX DELETING THIS FROM MY CREDIT REPORT AS OF XX/XX/2018
Product: Credit reporting or other personal consumer reports

I sent certified letters to each company on XX/XX/23, which I included identity theft affidavit and my identification, but each credit bureau is continuing to report fraudulent information on my consumer report. They have also added a fraudulent address attached to one of the accounts. Ive made each bureau aware that I was a victim of identity theft, but they continue to report inaccurately. Equifax straight out ignored my letter and supporting documents.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I disputed accounts on my credit report that were inaccurately listed with Experian and did not appear on my credit file with XXXX or XXXX. This has caused undue stress in trying to validate and remove this inaccurate information. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX has violated my rights : 15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I demand that these accounts with XXXX XXXX be removed from my credit reporting file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and noticed some late payments on there from XXXX XXXX Consumer reporting agencies have assumed a vital role and have responsibility to report complete and maximum accuracy on a consumer report in complete with regards to 15 USC 1681e. Furthermore I am demanding the late payments be deleted and the XXXX XXXX account be marked Paid As Agreed in accordance to 15 USC 6802 and 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

I applied for a Capital One Savor One card, on Capitol One 's website, when I was offered a promotion to receive {$150.00} signup bonus for spending {$500.00} in three months and 0 % APR for 15 months ( starting at sign up, XX/XX/19 ) on all new purchases. 

I have spent the required {$500.00} and they are refusing to honor the promotion. They say I didn't sign up under the promotion. I have asked them how their system says I signed up and they can't or won't give any specifics. I was careful to follow all the instructions for the promotion given on their web page. I asked if I somehow didn't qualify and they verified that the problem was not qualification, but that their computer said I didn't sign up for that promotion. 

They have also charged me interest on at least one billing cycle. 

The promotion was not targeted or specific to me. It was available to anyone who applied ( and was approved for a card ) on their website, which is what I did. 

This is, at best, a computer error and at worst deceptive business practices. 

The promotion is still available today and I have found evidence of it running continually from as far back as XX/XX/XXXX, using cached web pages from " The XXXX XXXX '' internet archive. Examples are attached. This offer was available through capital one 's web site and was also advertised by other sources.
Product: Mortgage

Good afternoon, I own several rental properties and I decided to go into forbearance on 4 loans with AimLoan.com. This was for XXXX, XXXX and XX/XX/2020. I called the company in early XXXX to let them know I would like to end forbearance and have the payments deferred to the end of mortgage period. The company agreed. I did receive one payment deferral agreement about a month later. I have been waiting for 4 months for them to provide the agreements on the other three loans. I have paid all 4 mortgage payments ( current ) for XXXX, XXXX, XXXX and XXXX. I contacted XX/XX/XXXX about a month ago to help. They have been in contact with Aimloan.com but I have not received any agreements as of today XXXX XX/XX/XXXX ). My credit has been affected as it still shows me in forbearance. I am not able to refinance or purchase any property. I have personally called at least 6 or 7 times and I have asked politely to move the process forward, but I get alot of double talk. In addition to all this, Aimloan.com initially placed a 90 day late on my credit report which according to the Cares Act, they should not have done. This affected my credit and caused significant problems. They did eventually fix this, but have not performed on the 3 payment deferral agreements. Thanks in advance for any help you can provide.