23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was asked for closing documents 2 hours after the settlement was to happen. The entire process, from application to closing was botched by Bank of America. We selected BofA because we are customers. We will no longer be customers after this experience. 
I would like to request that BofA complete a full audit of my loan and the path it took, including internal processing, phone calls between me and XXXX as well as emails. The gaps in the process will be apparent. Im wondering if there are RESPA violations. I did not receive the final CD until I asked for it, a day before closing. 
Thank you for reviewing.
Product: Debt collection

They called my XXXX year old mother and upset her. She started crying uncontrollably They called my brother who work 24 hours straight. They left several messages for me saying they could help with my problem but never left company name. Called my in=laws.
Product: Checking or savings account

I was banking with Simple bank who is now bought out by BBVA. I have not been unable to access my money for two days. I reached out to BBVA multiple times but they refuse to help me access my account. This process was suppose to be a smooth transaction but it is not. I have been without food or gas etc for the last two days. I dont have access to any of my accounts nor does the debit card work
Product: Debt collection

I have sent numerous certified letter explaining to Equifax that the debt is not mine. Every time they have sided with the creditor. Equifax always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because Equifax has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, Equifax and, XXXX Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my EQUIFAX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXX, ACCOUNT # XXXX ACCOUNT : XXXX, ACCOUNT # XXXX ACCOUNT : XXXX, ACCOUNT # XXXX ACCOUNT : DP OF EDUC, ACCOUNT # XXXX ACCOUNT : DP OF EDUC, ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC1681 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 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 antidates the report by more than seven years. 15 USC 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

Lakeview Loan Servicing ( a.k.a. XXXX ) refuses to remove PMI. Our loan to value is now 59.2 %. Lakeview Loan Servicing ( a.k.a. XXXX ) states that they will continue to charge PMI until XX/XX/2021. All written requests for cancellation of the PMI have been acknowledged with a request for {$500.00} to remove the PMI. We consider this tactic a denial of our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX  ( ACCT # XXXX ), XXXX XXXX  ( ACCT # XXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in regards to their inaccurate reporting of 2 dismissed bankruptcy filings that do not belong to me. I have contacted their 3rd party information provider XXXX to request my report to verify Experian reporting and they DO NOT MATCH. Experian claims to have reinvestigated the dispute however no changes have been made to match their 3rd party information provider.

I am now requesting copies of their reinvestigation, name of person ( s ) who conducted the investigation, and aterial fact to support their continued reporting of inaccurate information. 
I also requested an updated file from XXXX XXXX which is Experian 3rd party information provider and there is in fact NO BANKRUPTCY REPORTING.
Product: Debt collection

This debt was settled and paid. then they sold it to a new collections company, XXXX XXXX XXXX. This debt is not owed. I C SYSTEM can not collect the money from me, then sell it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

NelNet Loan Services are putting inaccurate and non certified information on my credit report that does not belong to me. Balance XXXX. Date Claimed Open XX/XX/2008. They are still reporting to the credit bureau. Balance XXXX Date Claim Opened XX/XX/2008. They are doing illegal practices and are unethical.
Product: Credit card or prepaid card

1. I purchased some diamond rings from a website & paid for the rings by using my Paypal account. The purchase amount was {$99.00}. It took over six weeks to receive the items by USPS. The items, after inspection, were determined to be fake. I filed a complaint with Paypal on XX/XX/2021 and asked for a resolution and refund. Paypal sent me an email and asked me to refund the items to the seller. The recipient address is in XXXX. When I went to USPS to return the items, I was told by the USPS that the address must be in English so that they can send the package to the recipient. I informed Paypal this requirement by email and by posting to their Resolution Center and asked that they send me the address in English. Paypal acknowledged the receipt of the email but did not respond to the email or to my request posted at the Resolution Center. Paypal informed me that the seller did not receive the items and thus my claim was denied and closed the case on XX/XX/2021, even though they did not send the address of the recipient in ENGLISH. 

The item was sent to me from California. So, I do not understand why Paypal wants me send the item to XXXX rather than to the address in California? Sending the package to XXXX  will cost in excess of {$40.00}. 

The shipping address on the envelop : XXXX XXXX XXXX, XXXX, CA XXXX ( image attached )
Product: Debt collection

This company has called me and asked me to pay my debt. I answered their call and told them that I wasn't able to pay for the bill at the moment but will pay when I was able to. They then called my father asking him questions about me the day they called me as well. Not only did they call my father who was not part of my contact information at all, but they also my brothers girlfriend who is not directly family nor part of my contact information as well. 

I don't appreciate them contacting other people about me. If they had any questions about my work, my address, or anything else, they could have asked me directly. I would have answered their questions, but they didn't ask me anything except if I could pay the bill. 

I also do not know how they were able to get a hold of my father or my brothers girlfriend about me if they were not part of any information I have ever given. It is very weird to me that they would contact anyone other than family who is part of my contact information, or just anyone at all if they were able to get a hold of me the first time they called.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

I applied for a IRRRL loan through CapWest Mortgage ( - A division of Prospect Mortgage located on XXXX XXXX XXXX XXXX XXXX, CA XXXX, Branch XXXX # : XXXX ) on XX/XX/2016. The loan officer convinced me that I would benefit from a Cash out Refinance to cover some of my debts instead of the IRRRL or streamline loan for which I had been approved on the spot based on my credit score. An appraisal was ordered for which i paid. I was told the appraisal amount and advised to sign the Acknowledgment of Receipt of Appraisal Report quickly so that they loan can be locked. This is not only strong arm tactics but I think the company owes me a copy of the appraisal report. 

Secondly, the company dragged my application from XX/XX/XXXX when I first contacted them till XXXX when my application was first submitted to their underwriters. In today 's market I can no longer get the kind of interest rates for which I was qualified ( 2.9 % ) XX/XX/2016. If my application was processed efficiently and denied accordingly, I could have had enough time to apply for a better rate with some other company before the rates went up. 

Thirdly, only XXXX credit agency was consulted before the underwriters rejected my application for a high debt to income ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to Citibank, yet Citibank is not removing this fraudulent account. Citibank has no right to refuse to remove this fraudulent account because I am a victim of identity theft. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet Citibank has refused to do this. The following is the fraudulent account : Citibank / XXXX
Product: Credit reporting or other personal consumer reports

This letter is to inform your company that I want to dispute the following items below on my credit profile. Your company was sued by the CFPB, for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
I have been disputing a balance from PRO COLLECT for the last XXXX years. Each time I receive notice from XXXX stating that the information has been verified as accurate without any evidence. As well as the apartment complex stating they can not find my account or even recognize myself as a tenant. The creditor PRO COLLECT also has not been able to provide proper documentation, such as a ledger with all fees associated with the XXXX balance. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!
Product: Checking or savings account

Capital One illegally locked my checking account after a check I deposited was NSF 'd by the person that sent me the check. They refused to provide me with information or proof of their written policy that allows them to hold my account hostage, especially with NO notice or explanation. I assumed they locked it when I could not transact due to suspicious activity or fraud. But that's not the case. On XX/XX/year> after an extensive phone call with support and a supervisor. They still have no information to show me that they can still have my account on lock. After more conversing they want me to be on the phone call with them to the remitter and they will question them about our relationship and why these funds are being sent. This is a complete invasion of privacy and I would not agree to these terms. With payment of my account being due on XX/XX/year>. They will not let me access my account to pay my fees or even let me close my checking account. I have no way to transfer funds easily from checking to credit card payment. They still offer no information on why they are locking my account and not even letting me close it completely to get my money out of their bank.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX XXXX Transunion for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX XXXX Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX XXXX Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX XXXX  FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX  XXXX XXXX  for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX XXXX  that would justify this inquiry. 

This unauthorized credit pull has negatively affected my credit score and caused undue stress. As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against XXXX XXXX XXXX  to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to removed this suspicious information. I think you have not blocked these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Balance : {$2700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XX/XX/2023.
Product: Checking or savings account

I had a account with Simple.com bank and opened a protected goal account with them. I closed the account in XX/XX/XXXX. 

I received a interested earned 1099-INT statement for them in XX/XX/XXXX. To confirm the interest amount, I wanted to check my statements.When I went online there was no statements for this account. 

There is no direct call number on their website. I send email to support mail box and there is no reply for 7 days. 

I called BBVA bank from whom I got the 1099-INT statement. They transferred me to Simple call center and then after 1 hr waiting they send me some statement which was XXXX and not complete. 

As per that statement interest payment is not tallying and also balances are not tallying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXXt/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, XXXX, and transuion. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, XXXX, and transuion. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Debt collection

Call from ( XXXX ) XXXX and other numbers. I receive at least one call a month over the last 3-4 years with the same recording asking for a random person named " XXXX XXXX '' and referencing a debt owed. I have blocked most of these calls after receiving them and also stayed on the line and asked representatives to stop calling on several occasions because they have the wrong number. Each time, the representative notes that my number will be removed from their call list, but to no avail.
Product: Vehicle loan or lease

On XX/XX/year>, XXXX XXXX  : XXXX PAY TO THE ORDER OF BANK OF AMERICA in the amount {$81000.00}. Account number XXXX. And I further obtain A certified letter from the XXXX XXXX verifying that there is no lien on my property and/or my estate name, ref # XXXX. XXXX Bank of America, XXXX, XXXX, XXXX are making false and misleading reporting and they stole my identity sharing it with third party agencies without my consent. 
XXXX XXXX XXXX making false and misleading reporting on my credit report under account number XXXX. I have proof there is no lien under my estate name. 
here is a fax confirmation Registered Mail number XXXX XXXX XXXX XXXX XXXX for private Bank irrevocable letter of credit in the amount of {$81000.00}. Payable to Bank of America on XX/XX/year> 2024
Product: Checking or savings account

My Health Savings Account is with Truist. I have been attempting for nearly 6 months to obtain a debit card so I don't have to come out of pocket for medical expenses. Repeatedly they tell me the card is coming, repeatedly it does not come, repeatedly when I call they say it was lost in the mail. This is true even after I asked Truist to send the card to a local branch. 

Not only that, they have charged me a {$5.00} fee for this card, which I have never gotten. Most recently, they took my complaint and said the card would arrive in 4-6 weeks to my local branch. Since then I have expended several XXXX dollars on medical expenses for my wife and me, all of which could have been covered by the HSA account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.