23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America reached out to me to offer me a HELOC at 85 % LTV on my primary home. I have a high income, low DTI, and good credit so I thought it would be smooth. They also contacted me and pitched me on this deal. I spoke with their mortgage specialist to discuss my assets and liabilities so he knew all of my details. He told me we could apply for {$150000.00} HELOC. During the application process he then came back to me a few days later and told me they would only approve me for up to {$50000.00} and a LTV of 75 % but they wouldn't tell me specifically why. They told me it was proprietary and they wouldn't disclose the why the LTV amount changed. ( Again it's not income or credit related ) The specialist said that we could get a waiver of their internal rules if I just continued to submit the income/paperwork verification. He had my round up all my tax returns, work with my HOA to get the previous bill. The under writer then called me and told me they wouldn't go higher than the {$50000.00}. It was a complete bait and switch to get me to submit the application at one level, only to change the terms without tell me why after. I would not have applied with Bank of America if I knew they had such a low limit, but was told the limit was much higher.
Product: Money transfer, virtual currency, or money service

XXXX is the reference number for previous dispute. 
Money was fraudulently taken out of my Cash App account. Cash App denied my claim. Thanks to you some of my funds were returned. However I requested the name on the fraudulent card and have yet to receive the information. 
Also... There are other unauthorized withdrawals from this same account that Cash app has yet to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting that I owe {$3300.00} monthly. I applied for credit and they informed me this company is reporting that I owe them a monthly payment amount of {$3300.00}. That is entirely too high of an amount to owe a company monthly. They are reporting this account as a revolving account which is inaccurate. They are also reporting an inaccurate amount due.
Product: Vehicle loan or lease

I signed a contract to purchase a vehicle on XXXX XXXX, XXXX and that contract contains some errors so the finance manager at XXXX XXXX asked that I sign another contract. I assumed the contract stated what he said it stated and that it was a reprint just to correct the mileage issue. I was told that my due date was going to be the XXXX of every month and that I needed a {$1000.00} down which includes my first payment. On XXXX I woke up to an alert from my credit monitoring service advising me that I had a 30 day late payment with Gm Financial. I did n't understand how that was possible when I made a payment on XXXX XXXX, XXXX and gave payment information on XXXX to make another payment. I contacted GM Financial and I was advised that the due date on the contract states that the payment is on the XXXX of the month. I explained to the GM Financial Representative that I did n't have a copy of the contract, I have n't received a billing statement yet, and the sale person ( s ) at XXXX XXXX informed me that my payments was due on the XXXX of the month. I made a payment on XXXX how can I be 30 days late. The Representative stated to me that the payment was never processed on XXXX and the notes stated that I would call back on the XXXX, and make a payment, I disagree with. I feel if the payment was due on the XXXX of the month and I stated to the representative I will pay on the XXXX, why would n't the representative advise me that the payment would be 30 or more days late. I contact XXXX XXXX and spoke to XXXX ( sale/finance Manager ) who handled my transaction and he advised me that I signed the contract on the XXXX and that he entered into the system that my payment should be due on the XXXX ( although I was told XXXX ), I put {$1000.00} down payment down and was told that I would n't have a payment due until XXXX XXXX XXXX. When I contacted GM Financial about this situation I was told that they will look into it, but after looking into the situation they stating to me that I need to contact the dealership to get this matter corrected. The dealership stated to me that, there 's nothing they can do but to send me a copy of the contract showing I signed the contract on the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, 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: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX, Eqifax, XXXX XXXX XXXX for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX  for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority. 

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXX XXXX  XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXX XXXX  's disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of XXXX. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX  for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : XXXX5 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX 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: Credit card or prepaid card

Citibank illegally sold my information to a third party who has sued me without my knowledge and now says I owe the third party. 
Under the The doctrine of privity of contract is a common law principle which provides that a contract can not confer rights or impose obligations upon anyone who is not a party to that contract. [ 1 ] It is related to, but distinct from, the doctrine of consideration, according to which a promise is legally enforceable only if valid consideration has been provided for it, and a plaintiff is legally entitled to enforce such a promise only if he is a promisee from whom the consideration has moved. [ 2 ] A principal consequence of the doctrine of privity is that, at common law, a third party generally has no right to enforce a contract to which he is not a party, even where that contract was entered into by the contracting parties specifically for his benefit and with a common intention among all of them that he should be able to enforce it. In XXXX & XXXX and XXXX XXXX, the doctrine has been substantially weakened by the Contracts ( Rights of Third Parties ) Act 1999, which created a statutory exception to privity, providing, in certain circumstances, third parties the right to enforce terms of contracts to which they are not privy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XX/XX/XXXX, with no success ; have called, faxed, email and mailed written request to have errors corrected with all three agencies XXXX, XXXX, and Experian. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : Judgment # : XXXX, XXXX XXXX XXXX  XXXX # : Unknown ( multiple accounts ), XXXX  XXXX # : Unknow ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, MedicalCollection # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, also remove inquires from XXXX XXXX XXXX, XXXX/XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I have never applied for credit with these companies. I have never lived at XXXX XXXX XXXX, GA XXXX, XXXX, XXXX XXXX, GA XXXX, XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX, OH XXXX  XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX. These are not my names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Positive account to " add revolving credit account '' : XXXX # : XXXX this account was opened XX/XX/XXXX has a XXXX limit XXXX no balance ; no late payments currently opened paying as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

Error, inaccurate information. Im not an authorized user, and neither do I have a Capital One account, my name is inaccurate my name is not XXXX XXXX, or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my personal credit report, I noticed several unauthorized inquires had been made. I have disputed these inquires with you directly several times, with the most recent investigation resulting in you returning all these back as valid, less than 24 hours later, which indicates you did not due your diligence to thoroughly investigate my concerns. After having an Extended Fraud Alert on my credit file DURING THE TIME OF THESE INQUIRES which has now been converted to a Credit Freeze due to a recent theft in my personal information, I am requesting all the inaccurate information be deleted immediately. Furthermore, I sent a CERTIFIED LETTER w/RETURN RECEIPT regarding this and still have the inquires on my report. In light of the recent hacking of XXXX ( and the high possibility of my personal information being released ) in addition to the above information, I immediately request you delete ALL the inquires in the past 24 months from my report and BLOCK any future request for my file.
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. 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/XXXX, I checked my credit history as I'm in the process of purchasing a house in XXXX XXXX and I noticed a collection account on my credit report that I wasn't aware of any issue with this creditor. The original creditor is XXXX XXXX XXXX XXXX and that I was never contacted by them to make restitution on said account stemming from a trip to hospital. I reached out to my insurance company to find out why they did not pay the bill and they stated that the XXXX company never sent them a bill and that if they had the information, they would pay the bill now. I then reached out to Arbor Professional Solution with my insurance rep on the phone with me and they refused to give me/us the information to close this issue. The collection agency refused to give us the information and told me that I was being sued and that we would have to contact the law office of XXXXXXXX XXXX XXXXXXXX XXXX in XXXX. On XX/XX/XXXX myself and another insurance rep from XXXX XXXX XXXX contacted the law office and talked to one of employees and she was very rude and non- helpful with resolving this matter. She asked me to give permission for her to talk to the XXXX rep, only to not give him the information need to pay off the bill. On XX/XX/XXXX I went to the XXXX XXXX Department to see if they would give a copy the bill. I came into contact with one of the LT. on site that day and he gave me a hard copy of my bill and he sent me an electric copy of my bill. Upon looking at the bill I notice that XXXX XXXX was sent all invoicing to a house I sold in XXXX or XXXX. This is what caused all the problems. But the rep of the law firm was very not helpful, rude and threatening to ruin my credit and not removing the collection from my report. My credit has really taken a hit and creditor have lowered my credit limits due to this mischaracterization.
Product: Debt collection

This company continues to call but does not leave a message and I have never received any written documentation. This company calls every day, multiple times a day and on the weekends.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX  I got several messages and text saying form XXXX XXXX, XXXX XXXX and Experian saying I have new inquiry from XXXX  XXXX XXXX had check my Experian Credit File, and my credit score got drop XXXX points, I did not open any account or credit card recently, therefor, I made several calls to XXXX XXXX XXXXXXXX to check, they response there is no any new account open I order hard copy of my Credit Report it did say XXXX  XXXX XXXX had run my credit report on XXXX XXXX XXXX  also I Can see my report under new open account has {$6000.00} credit limit, but unfortunately there are no any account number show on the credit report
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment on my Discover credit card due date, and two payments were pulled from my checking account, in the amount of $XXXX each, totalling $XXXX. I called Discover on XX/XX/XXXX, and the customer service representative said that I would receive a check within 7-10 business days. On XX/XX/XXXX, I still did not receive the check, so I messaged Discover on the app, and the person wrote back stating that I should receive the check within the 7-10 day range. On XX/XX/XXXX, I messaged again because I still hadn't received the check, and the representative wrote back stating that she could issue the refund electronically, but it would take 4-5 days. On XX/XX/XXXX, I messaged again, and the representative said that if receive it on XX/XX/XXXX. Today is XX/XX/XXXX, and the representative is saying that Discover cannot issue a refund because I don't have enough available credit. The extra payment was taken on their error, and my payment was never late.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with Equifax regarding XXXX XXXX since XX/XX/XXXX. The account was removed from my credit report in XXXX XXXX and then was reinstated in early XX/XX/XXXX. Equifax stated that the furnisher submitted a letter stating that the account was verified as accurate and belonged to me. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX  to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the Texas Department of Criminal Justice at XXXX XXXX XXXX from XX/XX/XXXX. My XXXX  XXXX was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's XXXX  when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Equifax and XXXX XXXX  are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my report as soon as possible. Thank you for your assistance with this matter
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX  XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, or personal loan

I had work done on my house and got a 'Same As Cash ' loan of {$16000.00} from Enerbank on XX/XX/XXXX. The terms of the loan were that I would pay no interest if I repaid it in full before XX/XX/XXXX. 

I arranged with my bank ( XXXX XXXX ) via 'Bill Pay ' for the loan to be repaid on XX/XX/XXXX. 

My XXXX XXXX send the funds via paper check ( I was expecting an EFT transfer, which, in my experience, is normal for Bank to Bank transactions ). 

On XX/XX/XXXX I received a letter from Enerbank stating that since I had not repaid my loan in full by the XX/XX/XXXX due date, I now owed the principal plus a year of 17.99 % interest ( {$2900.00} interest ). 

I called Enerbank that same day and, after waiting on hold for 55 minutes, I was told that Enerbank had not received my payment. I was also told that Enerbank does not accept ACH payments. 

I called XXXX XXXX where they confirmed that the payment had been sent, on time, but that it had not been cashed. 

I attempted to call Enerbank again, but they were closed. 

On XX/XX/XXXX I called XXXX XXXX and told them to cancel the payment. They agreed to send me a letter verifying that I had paid on time. 
On XX/XX/XXXX I attempted to call Enerbank, but they were closed for the weekend. 
On XX/XX/XXXX I attempted to pay via their payment website ( listed on the Enerbank statement as payments.enerbank.com, but their payment site would not accept the amount of the full loan, only {$330.00} monthly payment. 

On XX/XX/XXXX I called Enerbank. I was on hold for 1 hour and 20 minutes. At first, they insisted that I needed to pay the principal plus {$2900.00} in interest. I told them about the 'Good Faith Letter ' from XXXX XXXX and finally a manager approved canceling the debt if I paid the principal plus interest from XX/XX/XXXX to XX/XX/XXXX of {$110.00}. With regards to their website not accepting my payment they said that their system had recently changed and perhaps I had the wrong website. 

I paid, but I don't think that I should have had to pay the interest. I suspect that they deliberately make it difficult to make payments and make it difficult to contact the company and perhaps 'lose ' checks in order to force clients to pay their usurious interest rates.