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

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX. Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I supposed to buy a ticket from spirit for my mom in XXXX, I look for the ticket to tell my mom how much shes gon na pay i was trying to put it on hold but they didnt have this option because i used to buy ticket on my visas i guess they charged the card without my authorization i didnt know that and i pay another ticket for her with a different card for the same day when i realized that i called XXXX  to get a refund from 1 of the ticket they didnt give me the money back, when i called Bank of America to disputed the transaction they did resolve it after i sent prove where i paid for the ticket from a different card but unfortunately after a month they took the money back this morning said it didnt resolve after 12 years with Bank of America im so disappointed and realized that they dont care about customer all they care about is money money money, im not wasting {$860.00} for something i didnt used i need help since they dont wan na resolved the issues with XXXX
Product: Mortgage

We have a complaint against XXXX XXXX XXXX NMLS ID XXXX ) of Everett Financial , Inc. ( dba Supreme Lending ). We applied for loan financing with a 16-day financing contingency clause. On the evening of the XXXX day when it was due to expire, we requested either a written commitment to lend or a written declination letter. They refused to send us either. Therefore, in order to save our earnest money ( {$11000.00} ), we asked them to send us a declination letter so we could unilaterally terminate the purchase and sale agreement. XXXX XXXX told us she would send that to us several times, but we did not receive it. It has now been 35 days since the contingency expired and we still have not received any written approval or denial. Our earnest money is now being disbursed to the sellers. We simply do not understand what we could have done differently to not be put in this position. 

We had previously lost {$22000.00} in earnest money with this same broker ( XXXX XXXX XXXX Everett Financial Inc. dba Supreme Lending ) on another purchase and sale agreement. We trusted her word that we were approved. However, once the financing contingency expired, we were then told we were declined leaving us no alternative but to lose this money.
Product: Credit card

I have tried and been denied the use of this XXXX XXXX Citi Bank XXXX XXXX card on several occassions since only opening this card in spring of XXXX. Just prior to traveling to the XXXX XXXX in XXXX XXXX  I called them to let them know I'd be traveling, when and where I'd be traveling, and was told that unless I could give them the zip codes of where I would be traveling and where I might be using the card, they would lock my card and not allow me to use it. This even though I told them where I was traveling to ( what states ), what geographic areas I would be in while traveling, and when I would be traveling there. Other than the initial transactions, used at a Macy 's store, other purchases have been blocked and my card has been blocked from any use. I tried using the card in XX/XX/ to purchase concert tickets online, only for that transaction to be declined. I attempted again today, XX/XX/, to purchase concert tickets once again, only to be met with the same results. I have called the XXXX XXXX on the card, now for the XXXX time, only to be told the card is locked and a letter has been sent that will take XXXX business days to receive. While the letter is being sent, the card will be locked and not able to be used. They say a previous letter was also sent ( although they can not tell me when the letter was sent nor the context of the letter ). I verified my personal info with them several times and yet they refuse to tell me why the card was locked to begin with and what it will take to unlock the card. I provided them with my name, address, and even the last four of my social security number. My call was even escalated to a supervisor only to be told that escalating the call would do me no good since they can't tell me anything. At this point, the card is useless, and the people servicing the card are of no help whatsoever. They can't even tell me what it takes to pay the card off with the result of cancelling the card. I either want the access to use the card as I have requested and at my discrestion or I want the card cancelled so I can pay the balance off and move on from this joke of a credit card.
Product: Mortgage

I received XXXX escrow shortage notices and have covered both. The company has not reflected coverage to the monthly mortgage payment. The first payment was sent XX/XX/XXXX, and the second was sent XX/XX/XXXX. The company, after XXXX separate customer support contacts, has not rectified this and insists on increasing my monthly payment. After each customer service engagement, I am unable to receive any kind of internal tracking or ticketing number, and I have been told to " wait an see on my next statement '', since XXXX.
Product: Payday loan, title loan, or personal loan

they keep sending for me loan with fixed payment offer with your rsvp XXXX many times than i said let me try to get loan XXXX for XXXX $ a month but they say sorry your crdit score is XXXX and sorry we cant give to you my score is XXXX and they are scam they dont want to give loan why make for me offer is just discremintions they want to destroy my life for these actions i have house and iam in good to take the loan and they say take XXXX loan iam on ssi XXXX $ i can offered to pay for them why they don.t want to give loan its a game thanks
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo violated Federal Fair Debt Collection Act by falsifying mortgage statements and continued to attempt to collect on a debt that was not substantiated after a consumer disputed the validity of the debt. As a strategy to evade culpability, after 16 years they sold the mortgage to a Trust, XXXX XXXX XXXX XXXX XXXX XXXX, AS OWNER TRUSTEE OF THE RESIDENTIAL CREDIT OPPORTUNITIES TRUST V-D , operating as a hedge fund, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, masquerading as a mortgage servicer, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX just to name a few.
Product: Credit reporting or other personal consumer reports

Dear AMERICAN CREDIT ACCEPTANCE, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : AMERICAN CREDIT ACCEPTANCE, dated XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within 15 days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same 15-day timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Payday loan, title loan, or personal loan

I purchased a plan through a company called XXXX XXXX XXXX. I financed my plan with this company that uses Universal Account Servicing to do their billing. XXXX XXXX XXXX uses false advertising and misleads the public as to what services they are selling. It was not until my 2nd couching session that I realize what I had signed up for which was well out of my 72 hour cancellation period and I had been lied to. Every phone conversation that I have ever had with XXXX XXXX XXXX   and Universal Account Servicing has been recorded to an app on my phone. I'd be happy to share these conversations if needed. I have tried to cancel my account and contract with both companies. XXXX, has deleted me out of their system except for the financial part. UAS has told me that all they need is something in writing from XXXX  to cancel my contract. I have emailed UAS 2 different phone conversations with XXXX  where 2 different representatives of their company state that the contract has been cancelled, which is obviously a lie after I spoke to UAS. My problem with UAS is that they do business with a company that has salesman that lie to the public, their consumers, and that use false advertising and refuse to cancel my contract.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Experian Credit Bureau regarding their handling of my identity theft case. Despite following the proper protocol as outlined by the Federal Trade Commission ( FTC ) for identity theft victims, and as stipulated by the Fair Credit Reporting Act ( FCRA ), I have yet to receive any response from Experian. 
I have submitted three separate complaints to Experian on the following dates : XX/XX/year> XX/XX/year> XX/XX/year> Each complaint included all required documentation and information as recommended by the FTC for identity theft victims, including an FTC Report and a Certified Police Report. It has now been approximately XXXX days since my initial complaint, and I have not received any acknowledgment /response from Experian, nor has these fraudulent account been removed. 
The lack of communication and action from Experian has caused significant distress and inconvenience, as my credit report remains compromised. I am seeking assistance from the Consumer Financial Protection Bureau to ensure that Experian addresses my complaints promptly and takes the necessary steps to rectify my credit report.
Product: Debt collection

THIS COLLECTION AGENCY FOR XXXX IS NOT MINE - I HAVE NOT HAD XXXX IN MANY YEARS
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

XXXX XXXX sold My loan to Bayview servicing company 3 months ago. I did call them and requested information regarding assuming the loan since it was under me and my Ex-husband name. They send me the documentation stating that if I decide to assume the loan the charges will be {$8000.00}. I did not fill out the application to send it in to this day. I have received XXXX statements from them that XXXX of them having {$8000.00} as passed due amount added to my mortgage. I have not even fill out the application yet and they are saying that I owe them for services that they did not even provide but I am late on the payment. This is a fraud/scam. The statements saying that I am late for in the this amount and not stating what it is for after being on the phone with them XXXX hours they said the charges will stay there as being late.
Product: Debt collection

I tried contacting the number listed and the phone just rings and rings. Ive left a voicemail. I have received no return phone calls. I am not aware of this debt collection and no additional information is being provided by the collection agency.
Product: Checking or savings account

There are XXXX fradulent transactions in my Bank of America account, mentioning that they were from my employer.
Product: Mortgage

I do not pay property taxes in Illinois because I am a XXXX veteran from injuries sustained fighting in XXXX. I bought my property XX/XX/XXXX, since then I have been escrowing taxes as if I owe the full property tax ( approximate {$4200.00} ). In XX/XX/XXXX I received the correct tax bill ( {$750.00} total for XXXX, only because I did not live at the property the full year ) and requested my lender refund me the overpayment ( I've completed this task 3 times in the past with different lenders, never had an issue ). My current lenders own Escrow analysis conducted in XXXX shows that they will collect XXXX in taxes ). In 5 attempts the lender refuses to give me back the excess in escrow and keep repeating that they have not receive documentation on my behalf which is not truthful since I have email receipts with attachments ( the excess was not paid to the county, but remains in escrow ). Additionally, I then requested a new escrow analysis but they do not want to execute it. I have made attempts to rectify this but they keep ignoring my main requests. My monthly mortgage payment would be lowered considerably each month if they would just help me. Additionally, I received another email from my lender saying that next year I have a tax liability of {$350.00}, which makes no sense since next years tax bill has not been created. Every time I reach out they give me wrong answers and avoid my request. My Lender is XXXX XXXX ( Dovenmuehle Mortgage Inc ).

*** taxes in Illinois are paid in arrears *** additionally Donvenmuehle bought hazard insurance on my behalf in XX/XX/XXXX in the amount of {$1800.00} to cover the property in question, in the past week I showed them the property was insured with my own insurance company and proved coverage for XXXX and XXXX. I would not have been allowed to buy the property if I did not provide proof of hazard insurance for the whole year. The lender stated on XX/XX/XXXX " Our records indicate that on XX/XX/XXXX, a hazard insurance refund deposit was made in the amount of {$1400.00}. '' They bough insurance when they didnt have to. I am telling you this because If you reach out to the lender this amount is yet to show on my escrow balance and therefore If I ask for the tax reimbursement they will say that my escrow has no overage amount for taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX XXXX XXXX  BOUGHT THE DEBT FROM XXXX AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED XXXX COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX BANK. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! XXXX OR EQUIFAX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.
Product: Credit card or prepaid card

I asked specific questions. I got no answers at all. Let 's try again.

1. What will it take to close down a loansharking business like Capital One?

2. How is a pre-approved credit card offer at 24.99 % to 27.99 % reasonable, respectable, or a good thing for any prospective customer? How is this even ethical?

3. How is charging fees for late payments, insufficient fund payments, yearly subscription, or any other fee more than 200 % over actual processing charges reasonable?

4. What laws do you use to loan shark?

5. What will it take to remove or mark my personal information so it is not used or distributed to partners or other businesses permanently and require my express written permission to be used at all by anyone? 

I submitted a complaint and Capital One responded by refusing to answer my questions and only removed my personal information from Capital One 's contact list for 3 years. They refused to contact their partners to do the same. 3 years is unacceptable, and not contacting their partners unethical and irresponsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the XXXX  Data Breach. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made XXXX attempts to remove erroneous and inaccurate names and addresses from my Experian Credit Report, but every single attempt has been ignored by Experian. 

My first attempt was via phone on XX/XX/2018. The representative had a heavy foreign accent which was incredibly hard to understand, and she said she could not remove the names and addresses from my report. Also I requested to have my employer and phone number deleted, which was deleted, but then immediately added back to my report. 

Since then I have mailed in XXXX letters disputing the erroneous and inaccurate information. I also provided a copy of my Driver 's License and proof of address. ALL XXXX requests were ignored, and as of today the erroneous names and addresses are still reporting to my report. The dates of disputes are XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

I have also disputed XXXX collection accounts that I have no knowledge of, and I would like them to be addressed. It's obvious they have a superficial process for " verifying collections '' otherwise these accounts would not still be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Contacted XXXX to verify if a debt was owed. Customer service representative was given my information to look up my account ; XXXX found no records, and the stated date on the mailed-in letter says DOS ( XXXX of XXXX ) : XX/XX/XXXX. 

I have even asked my supervisor at work if the XXXX had any idea about the debt, and upon checking the letter I handed to him, he pointed out the date of service. That immediately confirmed my suspicion. 

I did not use XXXX for any services prior to XXXX, all of which being pre-employment drug screening ( which, of course, is paid by the employer. ) When attempting to contact the Credit Collection Services ( the debt collector ), they could not verify an unpaid debt and actually hung up the phone on me.
Product: Credit reporting or other personal consumer reports

I am one of the consumers that have been affected by XXXX reporting payments in correctly.I have reported this to all credit Bureaus and have all credit bureaus have ignored and not even attempted to fix the inaccurate reporting. XXXX is reporting late payments inaccurately on my credit reports from XX/XX/XXXX  and XX/XX/. According to the FRCA i am entitled to a accurate credit report and the credit bureaus must correct all inaccuracies. I have attached my credit report showing the 60 and 90 day late payment with out reporting 30 days late. 

XXXX Account # XXXX
Product: Credit card or prepaid card

Barclaycard would not take a loan check from my credit union to pay off my credit card ; thus, saving me interest and letting me close the account with a {$0.00} balance. Barclaycard said my account was not open long enough to take a payment that way.