23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room 315 Case. A XXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX. 

I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per XXXX5 USC 1681b. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Student loan

I have been the victim of XXXX predatory private student loans originally through XXXX XXXX, which were then transferred to Navient. The original total or disbursement of funds for both private loans was {$38000.00} ( XXXX loan for {$17000.00} and another loan for {$21000.00} ). Over a period of 12 years from XXXX to XXXX, I paid an out of pocket total of {$65000.00}. I also paid {$1100.00} in required forbearance fees as well as {$130.00} in late fees. I called XXXX XXXX/Navient throughout this time period requesting to lower my monthly payments as I could not afford them given the position I am able to hold with my degree. Customer service reiterated that I exhausted my forebearances, and that the only option was to extend the life of my loan, further continuing this predatory loan. I was able to refinance these loans totaling {$41000.00} after paying XXXX XXXX/Navient {$65000.00} plus fees. Navient received more than {$100000.00} from myself and the company who refinanced my loans. A {$38000.00} total loan costed me more than {$65000.00} out of pocket plus an additional debt of {$41000.00}.
Product: Debt collection

This debt was resolved with Resurgent and they are still reporting on my credit even though it shows that they would delete the tradeline from my credit report. They have affected my new construction home loan that I have been building for a year by reporting these on my report, and I need them to remove it since it was resolved.
Product: Credit card or prepaid card

I applied for a Bank of America credit card. They called me the next day and extended an offer for a card with a certain transfer limit and other conditions. This did not fit with what I was looking for and I declined the card. The bank opened the card anyway and transferred money from my other credit cards to a new Bank of America card without my permission. 

I called the company multiple times and was on hold for hours before I was able to file a fraud report with them. When I finally did get to file the report, I was told it would be investigated and someone would be in touch with me and that the money would likely be transferred back to the original cards. 

About 2 months later, I started getting phone calls from Bank of America saying that my account had been closed and that I was late on my first payment. I never received a single document about the fraud investigation. I have again spent many hours on the phone and have made multiple attempts to speak to the company, but every department I talk to says they don't know how to fix the situation. 

I have documented every call I have made and every person I have spoken to at BofA. I have made multiple good faith attempts to rectify the situation despite the bank fraudulently opening a card in my name. They have made no attempts to fix the situation and have wasted my time and money in the process. XXXX XXXX committed this kind of fraud against thousands of people as well, so I don't know how many other people this could be happening to.
Product: Mortgage

I have an FHA loan for my home. When I purchased my property, because I live in a flood hazard area, I was required to purchase flood insurance, which I did. I have maintained flood insurance coverage for the entire life of my loan, and it is paid out of my mortgage escrow account. 

When the home was purchased, in XXXX XXXX, the amount of the coverage was approximately {$160000.00} with a {$1000.00} deductible, covering the principle amount of my loan with XXXX XXXX XXXX. The annual premium was {$2200.00}. 

Subsequently, Wells Fargo purchased my loan, on XXXX XXXX XXXX, XXXX they sent me a notice that said " at a minimum we require that you maintain flood insurance that is equal to 100 % of the replacement cost. '' I was advised that if I did not purchase the additional coverage myself, they would so on my behalf and increase my escrow payments accordingly. The initial increase in premium as a result was {$280.00} per year., to {$2500.00} In XXXX, the premium was again increased, to {$3200.00} XXXX as the replacement cost increased XXXX. 

In XXXX, the premium increased again to {$3400.00}. 

In XXXX the premium increased again to {$3900.00} And again in XXXX {$4100.00}. 

I discovered in XXXX, that Wells Fargo 's requirement that I maintain the full replacement cost coverage was in violation of the laws regarding insuring FHA properties. The law clearly has been, since at least XXXX has been : " The amount of flood insurance required must be at least equal to the lesser of : a ) The combined outstanding balance of all loans and maximum line of credit limit b ) 100 % of the estimated replacement cost value of the building ( XXXX ) determined by the hazard insurance provided c ) The maximum limit of coverage available under the XXXX XXXX XXXX XXXX " Meaning, for the last 4 years, I should only have been required to carry an amount equal to the principal. 

As of when I discovered this that principle was about {$140000.00}. I contacted my flood insurance provider, XXXX, in XXXX to reduce my coverage in accordance with federal law, their response was that coverage could not be reduced mid-term. 

As a result of Wells Fargo misrepresenting the law regarding the minimum coverage amounts, I have spent at least {$6000.00} more than I should have on my flood insurance, based on what I was initially carrying. Since the principle has gone down each year, my flood insurance premiums should also have been going down, so my total losses are probably more than the {$6000.00} estimate. 

When I contacted Wells Fargo to discuss this in XXXX XXXX, they took over a month to reply, and their reply was a perfunctory denial of my request for any relief and a denial that they done anything wrong. At this point, I feel that I have no choice but to file a complain with the CFPB.
Product: Credit reporting

Due to financial strain, I was forced to sell my home in XXXX under a short sale term. I paid the mortgage on the home till the end of escrow. In XXXX, things got a little better financially, and my family and I started to look for a home to buy. I found out then that there were many derogatory comments placed on my credit report due to the short sale. Comments like, " Account past due, under collection, late 120+days ''. These comments had a drastic impact on my ability to purchase a home. It took me 6+ month to clean up all of these negative inaccurate reports, and mainly with your help. I wrote many letters to the credit bureaus disputing the inaccurate information on my credit report just to go in circles. I learned about your services, and gave it a try. You guys assisted me with the up most professional talent. The derogatory comments were cleaned up from my credit report. I got confirmation from all Credit Bureaus as well as an apology letter from one of the creditors that had submitted such inaccurate information. Quickly after this, I was able to qualify for a home loan and my family and I were happy there after. You think, until few days ago. We get a lot of mail advertising better loan options. Last week, I contacted two mortgage companies to inquire on the different loan options. They ran my credit report, which I though I was in the A++ standards. To my surprise, TransUnion once again has posted same inaccurate information. I found out that my credit score with XXXX and XXXX is above XXXX, but with Transition is at XXXX. How can this be? I thought all of the negative comments were deleted back in XXXX. Last night, I went online to the TransUnion website and pulled up my report. Sure enough, this is what they have posted for the following account : XXXX - account # XXXX. Last payment date = XXXX ; This account has been closed since XXXX XXXX. Status = 120 days late ; I was never late paying any of the payments, and the account closed once escrow closed. 

Because of this, I 've been told by the XXXX mortgage companies that they can not move forward with any loan refinance. I 've back in the same boat as in XXXX. I have a copy of the confirmation from TransUnion dated XXXX/XXXX/XXXX showing the updated information. Now, I have wasted XXXX hard inquiries, spend {$29.00} to pull up my report from TransUnion, when all of this should not be an issue. I need your assistance to get this matter resolve. TransUnion is a bully company and when you deal with them they muscle you around and put you through circles. Americans are being taken advantage by these Credit Bureaus.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( TransUnion, XXXX, and XXXX ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX Consumer Financial Protection Bureau I am writing to file a complaint against BMO Harris Bank. 
I opened a checking account online at BMO Bank on XX/XX/XXXX, account ID XXXX. I have made significant deposits on XX/XX/XXXX and XX/XX/XXXX, but no withdrawals made. Total balance is {$14000.00}. 
I checked my balance on XX/XX/XXXX, and the balance is XXXX. 
On XX/XX/XXXX, I went to the BMO Harris branch at XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to branch XXXX XXXX XXXX, XXXX XXXX. He informed me that my account was locked due to suspicious activity. He did not specify the activity. 
He asked me to produce several documents including two photo IDs ( drivers license and passport ), social security card, credit card, naturalization paper, and utility bills ; I complied promptly. XXXX XXXX also said that he would contact XXXX recovery team in his bank to restore the balance, but no specific time frame given. 
I have called his office several time since ; he has not answered and I have left messages. 
On XX/XX/XXXX, I went to the branch to meet with XXXX XXXX, and was told that he was off for an unspecified emergency. He called me later that day, saying that he is still working on it but again no time frame was given. 
On XX/XX/XXXX, I went to the branch again. I met with XXXX XXXX and he asked me to contact the fraud department, as XXXX XXXX said he was not authorized to unlock the account. 
On XX/XX/XXXX, around XXXX XXXX, I called the fraud department and spoke to XXXX ( I believe XXXX XXXX ), a fraud XXXX with BMO Harris. He advised that I should return to the bank with my passport, and XXXX XXXX could unlock the account immediately. 
On XXXX, around XXXX XXXX, I went to the bank with my passport, and again XXXX XXXX refused to access my account, and stated that he is not authorized to unlock it. 
On XX/XX/XXXX, XXXX XXXX called and said that he has been working with XXXX XXXX XXXX in the fraud department to unlock my account. I was given no time frame as to when this situation would be resolved. 
I am enlisting your help to investigate and resolve the issue immediately. Please advise if you need any additional information, or have any questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the " current creditor ''. The notice also shows another business as the " original creditor ''. 

I never received any type of notice from either of these XXXX businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this " debt collector '' is using to collect money for themselves. 

The notice shows me owing {$960.00} to XXXX XXXX XXXX, which is shown to be the current collector. It also names XXXX XXXX XXXX as the original collector. 

I am told in the notice that I have XXXX different ways I can pay off the amount I owe. I can make a one-time payment of {$290.00} and settle my payment in full. Doing it this way would save me {$670.00}. It also shows me being able to set up a payment plan of {$57.00} every month for six months to pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire {$960.00}. 

The name and address of the business claiming to be this debt collector is : Total Card , Inc . 
XXXX XXXX XXXX XXXX, SD XXXX # : XXXX is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid. 

The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by XXXX. 

I have already filed a complaint with the XXXX regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal. 

I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several correspondence to Sage Stream to place a credit freeze on my consumer report. The fax numbers online are not valid for consumers as advertised. I have not received any correspondence that the freeze has been placed. Per certified mail # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX  XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
Product: Credit reporting or other personal consumer reports

Said I was late 90 days when I never for many years I was totally 100 % never late and they had hardship for covid 19 that no late payments was a issues as long you make arrangements with capital one card. For XX/XX/year> to end of covid 19 was lifted. But I made payments even I was sick in XXXX XXXX XXXX XXXX. Never missed a payments or wasn't late ever. Need to change this by my letter I'm sending to cfpb for information to true nature or government fines towards the credit card company. But I don't want them to shut down my card due to thete mistake that hurt my XXXX score at the time and loss of jobs and housing including removal of hard inquiries off my reporting agency at once within 7 to 10 days asap including upping my score to XXXX. I should not wait to do it over when as of now never late ever my score should and will be back within 15 to 20 day up XXXX point immediately to XXXX score at once. Thank you XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Debt collection

On XX/XX/XXXX I called Spring Oaks Capital about a debt from an XXXX card from 2019. The rep said I couldn't get detailed information on the account because I just submitted a dispute. Then I called today and asked for account information ( billing statements ) and was told I could receive them only if I submitted a dispute and that if I pulled the dispute I wouldn't be able to access that information. 

I read on your website that debt collectors are required to provide validation information. I spoke to a supervisor today ( operations manager last name XXXX ) who said the only way I can receive VI is to continue with the dispute. I believe this is illegal and she was stonewalling.
Product: Debt collection

They threatened me by repeating my social security number. They stated they will suspend my license immediately if not paid in full, they also used abusive language.