23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The XXXX said they are auto buy my home owner insurance with the amount triple my Mortgage. 

The usually I paid mortgage with XXXX {$870.00}, XXXX : {$1200.00}, the property Tax and escrow fee : {$1300.00} so total every month : {$3400.00} But on XXXX XXXX, 2022 they auto took money from my bank : {$19000.00}. When I discovered on my bank account a days after that, I call them, and then they excused that the XXXX they bought for my home owner insurance, from XXXX to XX/XX/2022. And they said they send me XXXX letters for that. 
I Argued with them, if i receive any XXXX of the letter i fix the problem right the way, because no way we see the amount jump from {$3400.00} to {$19000.00} and admit to pay this amount. 
They said I accepted their rules when I set up the XXXX pay via their website. XXXX I said I never authorized for any insurance took my money from my bank, I just authorized for the mortgage amount, Property tax and Escrow fee only, this is the illegal activities without my permission, I required them to refund the full amount before we deal with other issue, them They denied to refund money. 

So I am write this complain to CFPB because : 1 - Illegal make the transaction with big amount without my permission.

2 - Ask them to refund the full amount they took from my bank illegal immediately.

3 - Please Investigation about the indistinctive contract they lured the customer.

Please respond my complain ASAP, because they took the big amount of money ( {$19000.00} ) impact effect to my others bills to pay. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a payment due XXXX XXXX minimum amount due if XXXX I set up a payment for XXXX I noticed it never came out of my bank o go On my dashboard and see it was cancelled?? I didnt cancel it I call and they have no clue what happened I now make another payment over the phone with them - this time for the full balance due of XXXX and that one gets cancelled too?? Still no clue on their end?? now I also have a late fee charged which they say I Have to put in a request to waive it? I said to them I am just trying to pay my account info and then I want to close it on my end I do not understand why this can not happen? Why do you keep canceling my payments? I am trying to repair my credit and this will put a mark on my credit report that I do not deserve There is no physical location of them for me to go make my payment I finally got through the supervisor well I have to leave a message she calls me back she tells me to contact my bank My bank verifies there are absolutely no define transactions and there are no attempts for either the transactions to be made no the supervisor at Avante credit card Told me the funds were not released that is not true I verify that my bank that was a lie she didnt maybe theres a block on my debit card there is no block I have used his debit card hundreds of times with no problem paying credit cards She tells me to call back after I talk to my bank I called back they pick up they asked for my name I gave them my name they hang up on me? I am at a loss I do not know what to do they now have my credit in their hands which is not fair because I am trying to pay them I just want to pay them I want the late fee waived I want no marks on my credit report and I want my account closed and I want it to be stated that I closed it at my request not them I am trying to repair my credit and Ive been doing a pretty good job and its completely unfair for them to operate this way I dont know if you can help me with this but I really hope you can help me with this its only a {$300.00} limit credit card this is insane to me I look forward to hearing from you and appreciate any assistance you can give me They also then try to get my bank account information saying maybe that would go through Im not comfortable giving them my bank account information I do not trust them its a lot easier for me to switch a debit card if I have to then open up a whole new bank account ive never had a credit card company asked me to do that either
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has been reporting a late payment on my XXXX and Experian credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from XXXX on XX/XX/2017 that I did not authorize. I contacted them to try and get it removed but they are not willing to remove it. It is hurting my credit score and and I need it removed.
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. 

15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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: Debt collection

I wrote to Bank of America in XXXX and XX/XX/XXXX  in regards to an accoun that they show as a " Charge-off. '' ( See attached letters ) I asked them to provide me with information of the alleged outstanding amount along with charge and payment history on this account. In return, they sent my a " One Paragraph '' letter with no identifying information as to determine if this outstanding amount belonged to me. ( See attached letters ) Nothing other than the same letter with different dates was ever sent to me based on my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had bank of America sell my loan to XXXX XXXX in 2014 after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter XXXX bankruptcy, which was discharged XX/XX/2014. 
Since 2014, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Within the past 8 months, I obtained a 0 % interest loan, from a third party for septic services. After my first bill was received, I noticed that it only allows 15 days from the time the bill is issued, but when it arrives, it only allows for 7. This gives no grace period if something gets delayed in the mail. This is also a lender that requires banks to mail checks for payment, and not electronically pay. That means the day after the monthly statement arrives is the latest you can use a bank 's billpay service. 

The monthly statement also does not list : Previous months payments It does include very confusing, unclear, lines about current promotional balance due and Initial balances, but no application of payments. 

I did call in about both these issues, and the customer service person acknowledged the issue, but offered no solutions. This is deceptive.
Product: Credit card

On XX/XX/24, I was alerted there was an inquiry made through Capital One on my credit report. I called Capital Ones fraud prevention line, who confirmed there was a credit card application on file. I informed them that this is a fraudulent application. I was assured that this application would be cancelled.
Product: Credit card

Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was {$3000.00}. This card was to be used for the hotel and other misc. charges while on vacation. 

We arrived on Saturday XXXX/XXXX/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the {$3000.00} payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that {$3800.00} was available for credit. The card was subsequently accepted at the hotel front office. 

I made a purchase on Friday XXXX/XXXX/16 at the local grocery store and the Wal-Mart MasterCard was again declined. After using my debit card, I again called customer service. This is when I was told that my credit limit was changed from {$4500.00} to {$900.00}. I explained the situation for a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my {$3000.00} payment, they then decided to limit my credit. The supervisor offered a temporary increase of {$250.00}. I disinclined as this would do nothing to pay the {$1600.00} hotel bill. I did request my {$3000.00} payment back minus the monthly due. He indicated that he did process the request. 

Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available. 

I am asking that the credit card company return my {$3000.00} payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have 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 XXXXXXXX # XXXX 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 States consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information other than records of crimes which antedates the report 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, has violated my rights.15 usc1681 section 602 a : states i have a right to privacy.15usc 1681 section 604 a : also statesa consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX, Apt XXXX ] [ XXXX Texas XXXX ] [ XX/XX/year> ] Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with [ name of the other credit bureau ], this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates is still sending me letters and calling my phone. I just got a new letter from PRA on XX/XX/XXXX on the same debt. On XX/XX/XXXX, I received a call from PRA regarding this debt and informed them the debt in question is over 7 years old ( the debt originally occurred in XX/XX/XXXX-XX/XX/XXXX. They continued to try to get me to pay on a debt outside of the Statue of Limits ( SoL ). I had also informed them in writing back in XX/XX/XXXX but lost proof during a move. Once they contacted me again, I sent a new FDCPA Cease & Desist letter on XX/XX/XXXX.  I still have a copy of letter I sent them and they refuse to follow the law. They also refuse to remove this debt from my credit reports and keep reporting the wrong date illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX  Balance XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXXXXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REPORTING 11 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. XXXX  IS REPORTING 30 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021. TRNAUNION IS REPORTING 19 FRAUDULENT INQUIRIES RANGING FROM XX/XX/2021 TO XX/XX/2021.
Product: Debt collection

XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX* XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX   XXXX/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX  # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I keep on getting calls from EHANCED RECOVERY COMPANY i do not know what debt they are trying to collect