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

I am resubmitting a formal complaint to TRANSUNION regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. 
If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.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 XXXX ; XXXX XXXX XXXX Account XXXX ; XXXX Account XXXX ; XXXX XXXX XXXX. Account XXXX ; 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 an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; 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: Mortgage

my mortgage company miscalculated my escrow account for XXXX. That in turn increased my mortgage payment a great deal for this year. They tell me that it was because my escrow is calculated in XXXX and since my home owners insurance was not due untilXX/XX/. They told me RESPA does not allow for payments to be taken out if the payment is not due with in 12 months. I attempted to look up the RESPA laws.I did find that in section 1024.17 (c)(9) explains that if a bill is due more than 12 months away that the escrow payment should be calculated according to how many months away the payment is due. So Im my case the insurance should have been calculated for 14 months. I asked them to explain it to me but all they did was send the same letter that says payments can not be taken out for more than 12 months. I want the law that supports their claim.
Product: Mortgage

On XX/XX/XXXX I paid the balance on my mortgage. 
On XX/XX/XXXX I received a letter from PNC congratulating me for paying my loan in full. The letter indicated that they were preparing documents to send to my county to release the lien on my property. 
On XX/XX/XXXX I received a check from my home owner 's policy for a covered loss. I didn't realize that PNC was also listed as a payee and deposited the check into my account with another institution. 
On XX/XX/XXXX I receive the check back from my bank indicating it couldn't be processed. 
On XX/XX/XXXX I went to PNC to have the check signed off on so I could deposit it. They would not sign off on the check, but requested an " exception ''. 
On XX/XX/XXXX I was notified by PNC that they could not sign off on the check because my mortgage was closed and I needed to contact the insurance company. 
I contacted the insurance company and was informed that I needed to get the lien release letter from PNC before they could reissue the check to just me. 
I contacted PNC again on XX/XX/XXXX and was told they couldn't help me. I asked to speak to a supervisor. 
On XX/XX/XXXX my insurance agent informed me that not only hadn't PNC sent a Lien Release notification to my insurance company, they also hadn't sent notification to the county I live in. So I have had a lien on my home for approximately 15 months after I paid off the mortgage. 
On XX/XX/XXXX I called PNC mortgage department again since I never received the return call I requested on XX/XX/XXXX. I was passed around to a few different people. I was finally told to contact the Lien Release Department and leave a message, which I did on : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX I never received a return call from any of those messages. 
On XX/XX/XXXX at approximately XXXX I went to a local branch of PNC to try to get someone to assist me with this situation since no one was returning my calls. I spoke to customer service and to a supervisor, but there still isn't any resolution. I still have a check I can't deposit or use from my insurance company AND I still have a lien on my home despite multiple attempts on my part to resolve this with PNC.
Product: Credit card

I was working with my credit card issuer ( Chase Bank ) to ensure funds from my payment account ( XXXX XXXX XXXX ) had cleared when they had already showed as cleared via my available XXXX XXXX XXXX funds. Chase proceeded to initiate a phone call XXXX XXXX XXXX XXXX to my other account XXXX XXXX XXXX XXXX XXXX while I was on the phone and the Chase Payment supervisor proceeded to hear all of my relevant balance / account / personal information from the system as well as via the Customer Service Rep from the XXXX XXXX XXXX. This in effect made me feel extremely uncomfortable because in effect, my financial privacy had been invaded intentionally by the Chase payments supervisor. I have also realized today that there has been another " hold '' on my payment to Chase bank for my Chase Freedom Unlimited credit card and they 've informed me that I 'd have to initiate the same process as described before on the next upcoming business day, again, violating my financial privacy. This is an unacceptable practice and I do n't feel that this is a legal course of actions on Chase 's part just to release a hold on a payment I 've made to them via another banking institution.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX CONSUMER FINANCIAL PROTECTION BUREAU XX/XX/2021 To whom it may concern : An account with CONVERGENT OUTSOURCING has recently appeared on my credit report without me having received a call or any notice. I've never done any business with this company for them to make an alleged claim of me owing them any money. On XX/XX/2021 I sent them a letter requesting their basis of their alleged claim by showing proof of my signature on the original contract to which if they could not provide this proof to delete from my credit reports however, they have yet to respond and at the same time are still reporting this alleged debt on my credit report to the credit reporting agencies which effecting my credit. Please assist. Thank you for your help and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my experian credit bureau report on XX/XX/XXXX. The report shows a late payment was made on XXXX XXXX XXXX XXXX signature card for the month of XXXX. 

I like most consumers have been affected by Covid 19 global Pandemic and  ensuing economic slowdown. Our business was effected and in short my payment for XXXX was also late. As such I requested assistance from XXXX XXXX XXXX. They were unwilling to offer me any assistance with regard to late reporting. As my business has recently bounced back I was able to pay off some of credit cards, and I would like the account as either flagged as being effected by the natural disaster or be in a position to be considered an account in good standing. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. Experian supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT INQUIRY ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT CREDIT INQUIRIES : Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX
Product: Debt collection

I received a call at work by a debt collection agency, the person did not identify themselves. They launched right in to saying that I owed this debt and I needed to pay and if I did n't they could garnish my wages and would file a judgement against me. This is the XXXX time they called and I have previously told them I can not take personal calls at work. They claim to be collecting a debt by XXXX XXXX and he gave me an ID # and phone number to call back. He also stated that he had my social security number and bank account number and my work number was the only number they had to contact me at. Well if they have that much information my work number is not the only way they can contact me. I know my rights and I know they are violating the FDCPA. The person on the phone did n't even identify themselves by name or company, they just expected me to pay or were going to file a judgement and garnish my wages. I called the number he gave me after hours and the name of the company according to the automated system was Premier Recovery Group.
Product: Mortgage

We purchased our home in XXXX XXXX for a closing price of XXXX and a second loan to cover the rest of the cost in the amount of XXXX. Both loans were provided by the same bank and totaled more than XXXX XXXX paid for this new construction home. The bank also steered us toward an interest only 10 year ARM at 6.75 % interest to ensure we could qualify and afford to make the payment. A year after we moved into the home in XXXX XXXX our tax assessed value for the home was listed at only XXXX. This represents a nearly 40 % decrease in home value compared to the XXXX XXXX XXXX indicated the home appraised for in XXXX XXXX. Over the past nearly 11 years we 've tried on several occasions to get the bank to restructure the loan given the lower interest rates and grossly overvalued appraisal of the home. The bank has refused to assist us on each occasion, the last being in XXXX of XXXX as we were nearing the end of the 10 year ARM. As a result our mortgage has increase for the second consecutive year and we fear continuing annual increases will lead to financial challenges to pay our mortgage. We believe BB & T colluded with homebuilders and appraisers to grossly overinflate home values in XXXX at the height of the housing crisis and intentionally steered us toward a 10 year interest only loan to lock us into a situation where we are unable to refinance due to loan to value policies for lending institutions. Furthermore, their refusal to restructure to loan to ease financial strain is purely financially motivated. The value of our home as of our home as of XXXX XXXX, XXXX during the latest official appraisal was indicated to be {$800000.00}. Even after 11 years, that 's a nearly 37 % decrease in value related to the bank 's appraisal value of the home at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that I am a victim of identity theft in XX/XX/XXXX. I've lived overseas all my life and just moved back to the states in XX/XX/XXXX. When I went to open a bank account at XXXX, I was told that someone has already opened an account in my name. It wasn't me. I followed all the steps and notified all credit bureaus, but Equifax was the only one I couldn't get through to. When I did manage to talk to a rep, we would get to the personal information confirmation stage and they would ask me questions like " what is your credit limit for such-and-so credit card you applied for? '' but I never applied for such credit cards. I suspect that Equifax has treated some fraudulent accounts or credit lines opened in my name as real ones, and set those as my security questions, so of course, I can't answer them. This was frustrating, but I found comfort in that the other two bureaus would notify Equifax to put a fraud alert on my account. But apparently, Equifax did not do so, because today I received a letter in the mail saying that my application for a XXXX Visa card was rejected due to a low credit score. The credit bureau they went through was Equifax. I received no phone call or email when someone tried to apply for this credit card in my name. If Equifax had done its job and placed an alert on my account, I should have received a call. I tried calling Equifax four times today. The first time the rep said that their system was down and I'd have to call later. I'd already been on hold for an hour. The second and third time, I was cut-off mid-call while verifying my personal identity with the reps. The third time, I was told again that Equifax is having technical issues. How is this acceptable? I feel completely helpless as a consumer because I can't reach them online or by phone. Even when I do get to talk to a rep the call is always cut off halfway. This is criminal and Equifax should be held accountable. Because I can't get in touch with Equifax, the fraudsters just keep opening up new accounts and trashing my credit score. I've spend countless hours trying to save my identity to no avail. I can't sleep properly, I can't spend time with my family, I can't work. Identity theft ruins lives, and the least Equifax could do is show some responsibility after that XXXX data breach. Becasue of my trashed credit score, I probably can't buy a house, which I was planning to do in the next two years. I'm so beat up now that I'm seriously considering just leaving the US for good.
Product: Credit card or prepaid card

i had a banana republic card where I get points for purchases, and I shop with those points.  In XXXX  of this year in one day XXXX  dollars worth of points just disappeared from my account.  I called and spoke to customer service, then I got transferred around and was told oh yes this has happened to a few people I will file a report and we will get back to you.  One customer service person said the the fault was with old navy and their web services they sent out rewards to multiple people with he same number.I have copies of the reward certificates printed out from old statements each one has a ups code of some kind. Each on is unique why can they not track who they gave it to?I specifically charged services ect and pay of the bill every month so I can get reward points and use them towards clothing purchases. Its is as though the bank stole XXXX dollars from me.  It is nowXX/XX/XXXX... I have called multiple times have spoken to different people and was told after two business cycles my points or rewards would be reinstated and or I would receive some kind of notification in the mail. I have never gotten any mail from them them.   Why would I keep this card if they intend to not live up to their promises.
Product: Checking or savings account

I have had a Advance Tiered Checking Account ending in ( XXXX ) with Bank of America ( BofA ) for over 20 years. On XX/XX/2023, I was notified by BofA that there was potentially fraudulent activity on the account. They inquired if I had opened two new savings accounts using the XXXX funds. I replied that I had not. 

However, when I accessed my account online, there were XXXX savings accounts opened which I had no knowledge of, both funded with my XXXX funds in the amount of {$20000.00} ( {$40000.00} total ). 

I was directed by BofA fraudulent. division to go to the nearest BofA branch, present two forms of photo ID to begin to get this straightened out. 

My wife and I are the two exclusive account holders. We both went to the BofA branch, as directed on XX/XX/2023, identified ourselves as directed, as was assured by the branch that they would look into it for resolution in a timely manner. 

We were asked to check back in with them on XX/XX/XXXX, and we did so. We were told that the matter was being investigated, and the standard timeframe for resolution is 30-60 days. 

Meanwhile we have absolutely no access to our ( supposedly liquid ) funds. 

This places a financial burden on our family, and is detrimental to our, all important, FICO score. 

There is no understandable reason that the funds WE DEPOSITED, and we have proven ourselves as the legitimate account holders should be deprived OUR OWN funds because of obvious fraudulent activity. 

We are being financially impacted due to loss of access to our ONLY source of liquid funds, and consequently we feel BofA should provide compensation. 

We are sophisticated enough to understand the potential capitol to be made using these funds and the overnight exchange rate. 

Please expedite this resolution tor us to curtail our financial bleeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, XXXX and XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX MORTGAGE SERVICES Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, XXXX XXXX