23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I send in the monthly payments they are holding them for up to three months before apply the payment and then adding additional fees inspections ( not sure who or what was inspected ) and change of the payment amount from {$1100.00} in XXXX to {$1600.00} on XXXX. There numbers do not add for the changes monthly. The late fees are not true for all payments are sent certified mail to make sure they are in and Certified check for payment. Not sure what the inspections fee are for? This company is a problem and does not respond.
Product: Debt collection

XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX  ] [ XXXX, fl, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to formally lodge a complaint against a collection agency that I believe is in violation of my consumer rights under various federal regulations. 

I discovered that a collection account had been placed on my consumer report by Collection Agency. This agency has failed to provide valid information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, they proceeded to report the collection account, causing significant harm to my credit report.

Furthermore, I have not been given a fair opportunity to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). The collection agency 's actions have not only deprived me of my right to dispute the validity of the debt but also demonstrate their use of false, misleading, and deceptive practices in violation of consumer protection laws. 

It is my understanding that the collection agency had no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the collection agency ceases its unlawful practices. Additionally, I seek the removal of the erroneous collection account from my consumer report and any other remedies that may be available under the law. 

Please find enclosed copies of my correspondence with the collection agency and any other relevant documentation supporting my complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I lost my wallet on XX/XX/XXXX in Washington DC. The person who found the wallet withdrew money from my bank account at the ATM. I called the bank and froze my account and reported the fraud that occurred on the account. I also called the police and opened a claim for the lost. The bank name is TD bank, they took first of all a month to send me a card then without contacting regarding the case they denied the claim. I appealed and got denied because they said I missed their call. I decided to reappeal because I did not make these charge and need my money back. yesterday, I called the bank and asked for the case to be reopened. The lady I talked to told me that the case was lacking details and she was going to get more details from me. I re explained what happened and asked if they could work with the police and get more footage videos from the bank where the person took the money. I am very disappointed in the way they handled my case. First, my card took forever to be sent knowing that I have XXXX kids and I use my card on the daily base. Second, they did not follow up with me regarding the case or call me for more information. Also, they are denying the case base on how they are feeling about it without checking evidences on either or not the fraud occurred. Please I am writing this complaint for you to help me. I lost around XXXX dollars and that is a lot of money for a single mom. 
Thanks
Product: Checking or savings account

I have a checking account with Wells Fargo. I was told there was a data breech. I like to get refunded for any incorrect charges
Product: Debt collection

In reference to closed complaint XXXX additional comments provided : A letter was received from PRAXXXX XXXX on XX/XX/XXXX about a Stipulated Final Judgement and Order with the Consumer Financial Protection Bureau ( attached ) regarding PRA, XXXX  debt collection and dispute handling practices for the account in question with a refund check for {$39.00} based on receiving communication from PRA, XXXX representing the validity or amount of an unsubstantiated debt before PRA, XXXX substantiated the debt. This adds a bit of confusion and uncertainty of the validity of the suit as the original Judgment XXXX was filed before the debt was substantiated by PRA, XXXX as per the Stipulated Final Judgement and Order with the Consumer Financial Protection Bureau identified by PRA, XXXX and the refund check provided by PRA, XXXX on XX/XX/XXXX for payments I made in XXXX after the Judgement was filed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Checking or savings account

I am filling a complaint with the CFPB regard Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently monitored my Credit Report is all Credit Berues ( XXXX, XXXX, and XXXX ) and have noticed High Supeciour Fraud Activity in Unsolicited Credit inquiries. I have not made or Authorized any credit application on my behalf to anyone, card, or no new accounts, made by me At this moment. I have counted at least XXXX new inquires and three major Bank Card application inquiries, XXXX XXXX, and XXXX XXXX  XXXX. made from XX/XX/2022 thru XX/XX/2022. One is from XX/XX/2022, from XXXX. Also was unsolicited or Not initiated or made by me. 
The following accounts are Fraud. I never initiated or applied for this. 

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 BANK OF AMERICA 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 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 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  ANY Transactions, inquiries, loan applications, credit cards, or any type of inquiries applications, made after, or initiated after My Escrow account started with XXXX on XX/XX/2022 XXXX XXXX consider as fraud and it should be investigated as such. I have not used my credit to prevent any credit discrepancies and I was taking care of my finances so that I could've able to purchase a home. Therefore, this is very concerning and I would like to report this as Identity Theft and FRAUD Transactions. I am including my current credit report and have placed a Credit Freeze on All Credit Bureaus ' reports. effective today when I became aware of this.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following accounts from my Experian credit report, as they were recently deleted from my XXXX credit report following a dispute and investigation : XXXXXXXX XXXX  {$800.00} Account Number : ... XXXX Investigation Completion Date : XXXX Status : Deleted from XXXX report. 

XXXX XXXX XXXXXXXX XXXX XXXX  {$1100.00} Account Number : ... XXXX Investigation Completion Date : XXXX Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report. 

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further. 

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages.

FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under favorable circumstances. I am writing to express my ongoing frustration and dissatisfaction with the unresolved issue of fraudulent items persisting on my credit file, despite my previous attempts to rectify the situation. 

As detailed in my earlier communication, I brought to your attention the presence of fraudulent entries on my credit file. Regrettably, the issue has not been adequately addressed, and the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

To recap the previous attempts made to resolve this matter : Initiated contact with your fraud department to report and request the removal of fraudulent items from my credit file. 

Submitted a formal written complaint, providing comprehensive documentation and evidence to support the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, cooperating fully in the investigation process and providing any additional information requested. 
Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing undue stress and financial hardship. This situation not only affects my confidence in the security of my personal information but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit file. Additionally, I request clear communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily withinthe specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX Balance : {$890.00}.
Product: Debt collection

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Vehicle loan or lease

I was involved in accident  and car was totaled. The insurance company asked for 10 day pay off amount and the loan company provided the amount the insurance company paid off the amount and they had to do a gap insurance because we live in NY  for like XXXX  or XXXX  and the loan was done with that loan that loan company. After taking extra payments on my checking account the loan company is saying that we owe more. Once a payoff amount is given it should void everything else because thats interest amount
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

The week of XX/XX/XXXX, I contacted SYNCB/Walmart DC ( XXXX XXXX XXXX XXXX, FL XXXX tele # XXXX ) regarding an account that was being reported on my XXXX credit report. I spoke with XXXX ( # XXXX ) from the XXXX, Ohio call center. She confirmed that there was no record of any account matching my information. She indicated that it would be difficult to send me dispute information on an account that does not exist. However, I stated to her that an account is being reported, therefore I as well as the credit agency should be able to receive something so this information could be removed. She then indicated that it would take approximately 30-60 days to contact XXXX and that she would see if she could send me something. To date, I have not received any correspondence regarding this matter. I contacted SYNCB/Walmart again today ( 3/5/19 ) as my credit report dated XX/XX/XXXX still contains the incorrect information. I spoke with XXXX ( # XXXX ) ( fax # XXXX ) who also stated that there is no matching records. Since it's been five months and this matter is not resolved, I lack confidence in this company 's ability to help me and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is inaccurate and hospital charges are incorrect. I am disputing them. Also, my credit cards have been stolen and my accounts have been hacked. This includes XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting

My Spouse and I both have a inquiry on our credit from a XXXX used cars. 
We have not bought or financed a auto from this institution. We have XXXX continuously requested for this to be verified several times. So it can be removed because it was not done with our consent. Equifax keeps saying its verified! Which is not possible when we have tried to contact this company that SC XXXX shut down and the XXXX revoked their license. I have informed Equifax of this fact! But yet they keep saying they verified it belongs to us! How is this possible when the Government of SC shut them down? Can you say someone at equifax does n't do their job? I can vouch we have disputed this so many times and still it 's hurting our score a a hard inquiry.
Product: Credit card or prepaid card

I pay every month  XXXX  for now over 2 years and am not charging anything. I only go in t he Lowes store to make my payment. Lowes is con tiuing to add late fees and finance charges. The only time I have been late was  XXXX     2017  instead of    XXXX   XXXX  ,2017 .    Lowes have called me on my private telephone until I reported them the first time. I have all of my payment receipts and the monthly bills I should be refunded moneys because I was misled and Lowes employees was n't aware of the time limit for suppose promotions.I know that I am not the only consumer that is having these problems from Lowe 's. I am having me dical problems and  XXXX  is all that can pay for these times.   I need for cfpb to take some actions and soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to remove a security freeze from my account at experian. For an unknown reason the website would not let me validate my information and remove the freeze. The site directs me to use postal mail to remove the freeze. I do not have access to postal mail that will arrive in a reasonable amount of time, as I am a servicemember XXXX overseas. The phone numbers for experian available on their website all result in electronic prompts that dead-end into a hang-up without being able to reach a person during business hours.
Product: Checking or savings account

XX/XX/2020 J.P.Morgan Chase closed my account. I found out on XXXX XXXX and called the number they gave me when I tried to log into my account that day. I called and was told that my account was closed and Chase would no longer be doing business with me. They would not tell me why. I was told that I would receive my balance in 7 to 10 business days. It is now 13 business days and I haven't been able to get through to a living person as of yet, Their hold time has been in excess of an hour and I have been disconnected 2 times. At present they have received two weeks of paychecks and my social security check as of the XXXX of XXXX XXXXbut I have no access to my money.
Product: Mortgage

I have lived in my home since XXXX. It was bought for approximately XXXX. During this time home equity loans were taken by my partner. My partner died in XXXX and the mortgage was transferred into my name. I paid my mortgage on time every month until XXXX when I feel behind on payments. The mortgage was transferred to Select Portfolio Servicing at some point. Somehow, even though I have been in this home for almost 30 years and the value has risen to about XXXX, they are telling me I only have XXXX in equity and still a balance of XXXX. My mortgage was also raised over the past years, from {$2400.00} to now {$3000.00} a month. I think I have been preyed upon because they know I am elderly. I would like some resolution to find out how I still owe so much and have so little equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to address this issue, it continues to negatively impact my creditworthiness and financial well-being. This late open account is significantly affecting my credit score and causing difficulties in obtaining loans, credit, and financial opportunities. I have meticulously followed the appropriate procedures for disputing this issue, including providing supporting documentation and complying with the regulations stipulated in the Fair Credit Reporting Act. Despite my continuous efforts, the late open account remains on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial standing and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I request a thorough and prompt investigation into this matter to rectify the late open account on my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the steps taken to correct my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. Please help me CORRECT this account immediately : XXXX XXXX XXXX  XXXX Balance : {$17000.00}.