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

I have previously requested my late payments to be investigated and to update these payments to paid on time immediately. I am now requesting proof of the previous investigations. I am asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this accounts was late, if you can not provide me with this information in 14 days update the account to PAID/NEVER late and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to raise the issue of inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Mortgage

The Lender is BOKF NA  DBA  Colorado State Bank and Trust  (    CSBT ).
CSBT is overcharging for PMI and adding costly cancellation-related   fees including home appraisal fees despite a signed PMI contract indicating automatic PMI cancellation on a specific date indicated on the Amortization Schedule.     PMI was to be automatically cancelled on   XXXX   XXXX  2017    per our contract, which states : " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. This date is   XXXX   XXXX  2017    ''.     We are current on our payments, have never missed/been late on a payment, and therefore should no longer be paying PMI as of   XXXX   XXXX  2017   .      CSBT  did not automatically cancel PMI on   XXXX   XXXX  2017    per our contract. When questioned, it was state d by CSBT that  " their policy changed '' and now require the borrower to submit a written request and submit payment of {$150.00} for a Brokers  Price Opin   ion. This is additional to the extra PMI we are currently still being charged, {$230.00}.
CSBT is failing to honor the contract and acting very " matter of fact '' aga  inst honoring the contract.
Product: Mortgage

We have been trying to get a loan modification from well fargo for more than a year. they had raised our payment do to our escrow going up and in return it was to much for us to make, we got behide in some payments and then ask to do a loan modification with them ( wells fargo ) to lower our payments. they ask for a lot of paper work which I sent to them over and over, then they said they did n't get the paper work they ask for so they turned us down, we ask to do the modification again and sent everything they wanted and they turn us down saying we did n't send everything again and they were going to forclose on us. at this time we went to our lawyer for help and we hired national support group to help us with the modification. all we wanted was a payment and they ( well fargo ) would n't give us one. national support group said they would be able to get us a loan modification so we sent all the paper work to wells fargo again the same paper work they requested just updated and they turned us down again saying we did n't make enough money so they were going to forclose on us.XXXX talked with wells fargo and found out they were not using all of our income just part of it sowe resmittted all the paper work again for the loan modification, this is the XXXX time. they came back at the first of XXXX and said we XXXX the last two years so they were turning us down for the modification again. we had also sent to them that my husband come XXXX gets {$XXXX} more on his pension and also starts to receive XXXX of {$XXXX} per month as well as the money he makes from his job and I work full time also and they ( wells fargo ) said my husband social security could n't count until he has received it for 2 months even though we have all the paper work from XXXX. wells fargo said we would have to show a profit from the farm which we do have this year we have worked really hard to turn things around and they will not even give us a chance to try to make the a payment. we have worked our whole lives and never lived off the system and just want to make our payment on our home. I fell we have been mistreated through this process we have done and sent everything they have asked for and each time they say something different why they wo n't give us a loan modification. they have had our taxes from the word go and over a year later they use as a reason for not giving us a payment and now our lawyer said he got a paper from the wells fargo lawyer where they are going to forclose on us again. I do n't know what it is going to take to say my home but at this point I will do anything. i just think wells fargo has done us wrong when all we wanted to do is have a payment we could afford, the national support group said we make more than enough and there should n't be any reason we were n't given a modification. the lawyer for wells fargo had also told our lawyer in XXXX that the forclose was suspened and now they want to forclose again, there truly is a great problem with the way wells fargo has handle this modification process with us for over a year
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that my Chase Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.
Product: Credit card or prepaid card

I set up auto pay with Bank of America. Their website shows that autopay is on but doesn't draft the payment. This is a deceptive practice to confuse customers.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion Corp. ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus regarding Fraud Alerts on my credit profile. I was advised that I need to send a letter to request the Fraud Alerts to be lifted. Also I was advised by the Credit Bureaus that I have two credit profiles. One credit profile has Fraud Alerts and the other do not. So depending on who is running my credit and which profile they get will determine if Fraud Alerts are on that specific credit profile. I am requesting that ALL Fraud Alerts are lifted and the two credit profiles the Credit Bureaus stated I have are " MERGED '' together. I was advised by my attorney friend, reaching out to you all will be the most trusted way to handled this complex issue. I honestly does not trust the Credit Bureaus. I have no faith and trust in those Organizations.
Product: Credit card

Chase has promotional offers for money or points back on their website. On XX/XX/XXXX I noticed, and added, a Chase promotion for up to XXXX {$50.00} in statement credits for paying my XXXX XXXX XXXX  bill via my Chase account. After adding the promotion on XX/XX/XXXX I made a payment for {$50.00} ( the minimum for the promotional credit ) and Chase automatically applied the {$50.00} credit on XX/XX/XXXX. I then went onto make a second payment for {$50.00} on XX/XX/XXXX and they have failed to apply the advertised promotional credit over 2 months later. 

I have followed-up over XXXX times with Chase via their secure website messaging application and over XXXX separate XXXX hour phone calls where they refuse to do anything except send a message to their marketing department to apply the credit. They have told me it would take XXXX weeks and now XXXX weeks later the problem remains unresolved. 

The promotion was clearly added to the account and active given the automatic credit provided on XX/XX/XXXX and yet they fail to have any follow-up and or resolution despite
Product: Credit reporting, credit repair services, or other personal consumer reports

Different people are using my information to get health care insurance. They are being allowed to be seen by different doctors. Get prescription medication/drugs, XXXX XXXX, and other controlled drugs in my name. I 've told XXXX the address on my report is incorrect. My date of birth, all of my former employers have been changed. Someone have placed a seven year fraud alert on the fraud information. I ca n't do anything online, because they 've placed a monitoring service on my social security number. I need an address for XXXX to mail my information to. I 've changed the spelling of my name with probate court. My drivers license & social security card shows XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXX. Aka. Block inc. Payment service company is holding funds for unjust reasons they suspend it transfers they are requesting information that they don't need I've requested to close the account however they continuously hold the funds it's been over 90 days they have no reason to hold the funds and they repeatedly do not solve any issues they requested bank statements to understand information however they use a company called XXXX  previously my bank account was compromised due to hackers and I do not feel safe and I feel I should not have to give them this information for them to release almost {$1500.00}. This company is unethical and has bad business practices they hold people 's money for no reasons they suspend transfers they are very difficult to get a hold of an unethical. Address : Square Headquarters ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, CA XXXX... 
XXXX Multiple phone calls to this organization the phone number is no longer in service or it gets to the point where they hang up on you. Resolution I wish to close the account receive my funds and no longer do business with this company I've stated that and they continuously refuse I'll be sending them a certified letter where they have to sign for it I will look at whatever options within the law and I would like to go after this company to the full extent they are belligerent and they do not care I can provide copies of emails showing that they suspended the account the original date was XXXX of 2023. They have no reason to hold the money. And I have not received any explanation only to the fact that they want to keep the account safe for what reason I have no clue never had any issues.
Product: Debt collection

I am filing a formal complaint against Fair Collections & Outsourcing ( FCO ) for their continued violations of federal reporting and collection laws. Despite being notified by the federal bankruptcy court of my bankruptcy filing, FCO has persisted in reporting an alleged debt to the credit bureau XXXX, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Bankruptcy Code.

Federal law explicitly requires creditors and collection agencies to cease all collection activity, including reporting alleged debts to credit bureaus, once they are informed of a bankruptcy filing. However, FCO has chosen to ignore this legal obligation and recently reaffirmed collection activity on the alleged debt. This represents a clear and intentional breach of federal regulations.

I have disputed this matter on multiple occasions, but FCO continues to report this debt as outstanding and due, despite their obligation to update their records and cease all collection efforts. This deliberate disregard for the law is not only harmful but also demonstrates bad faith on the part of FCO.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account XXXX XXXX XXXX XXXX  across the three major credit bureaus - XXXX XXXX, and Experian XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. XXXX XXXX report shows an open date of XX/XX/2020, while XXXX reports the open date as XXXX  and Experian is reporting XXXX also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. SincerelyXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BK OF AMER XX/XX/22 RE. We have disputed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX  XXXX  Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received notice through credit monitoring that Phoenix financial services reported a debt collection for a medical bill without notifying me of the debt, I have also been recieving numerous phone calls daily from an automated machine, I have recieved threating voicemails saying I am veing sued for this debt, harrasment saying they are coming to my home in 30 minutes to serve me. I have to avoid answering any number I do not recognize now, and now theyre ruining my credit too..
Product: Credit reporting 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.