23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Checking or savings account

On Thursday XX/XX/2018 I was looking for some last minute concert tickets on-line and XXXX website came out with some good offers. I decided to give one a shot since it was extremely tempting. I contacted the seller through gmail and she responded to all my questions. It was a total of 24 e-mails back and forth as to how she was going to transfer the tickets and how she wanted the money for them. She proceeded to give us her information and she wanted to be paid for tickets through XXXX. I had never used XXXX but had heard my husband maybe use it a few times with some of his co-workers. He works for USAA and since XXXX is available through USAA we thought it was a trusted app. We have been banking with USAA for the past 19 years and they have always stand by anything that is available through their USAA app. So I proceeded to ask my husband to transfer {$250.00} for concert tickets to her through XXXX. As soon as he put in the request to transfer the money, I notified her and she quickly responded that she had received the money and was transferring the tickets through XXXX. She assured me through our e-mails that this was not a scam and that she didn't have time to be taking peoples time and money. She was given us a good deal since she couldn't attend the concert since she had to work and didn't want the tickets to go to waste. Unfortunately, within the next XXXX minutes she stopped responding to my e-mails and never transferred the tickets that we had agreed on. As soon as this happened, I contacted USAA and after XX/XX/XXXX minutes on the phone with them, the representative suggested for me to contact my husband and tell him to put a stop/cancel the transaction through XXXX because maybe we were on time to stop the transaction. I asked them what if it's too late? he said, then call us back and we'll see what we can do. This made me feel relieved and thought they are going to put in an investigation and we will get our money back. So, I contacted my husband, but unfortunately it was too late because the money had left the account and he had gotten a confirmation. My next call was back to USAA. The representative asked a couple of security questions and transferred me to the fraud department to put in an investigation. After a couple of days, on XX/XX/2018, we get an e-mail telling us that they had completed the investigation and there was no error because XXXX is a personal money transfer service and does not provide purchase protection but ... ... we happened? We thought our bank did? They will be deducting a provisional credit of {$250.00} from our checking account on XX/XX/2018. Now we feel we have been scammed by the concert lady and our bank!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

acct number # XXXX, Capital One N.A. 

I, the Consumer, and natural person, had their credit card account closed by CAPITAL ONE when I mailed legal tender under U.C.C. 3-603. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in Title 15 U.S. Code 1691c and is pursuant to civil liability under Title 15 U.S. Code 1692k. You are subject to criminally liability for violation Title 15 U.S. Code 1691 as I have proof that I was discriminated against by CAPITAL ONE due to the response I received. CAPITAL ONE is in violation of Title 15 U.S. Code 1642, U.S. Code 1681m, UCC 3-603 and 12 CFR 1002 because I, the Consumer, made a legal tender payment in good faith, but credit to my account was not issued. CAPITAL ONE is in violation of Title 12 CFR 1026.11 ( b ) ( XXXX ) - ( XXXX ). Your company can not close my account due to the fact I incurred a finance charge. My account was not inactive for more than XXXX months. There was no need to close my account.Furthermore, because my social security number ( credit card ) was used, and my account was funded via my XXXX XXXX XXXX I should receive ongoing credit on behalf of CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for an XXXX XXXX XXXX through XXXX Bank and received the credit card. Then received a letter with XXXX Bank letterhead stating that my credit application was being denied for reasons that are not true, and that the credit reporting agency is XXXX XXXX. XXXX reported my credit score as XXXX, when it is consistently above 800. I called the number on the back of my credit card, and they said the letter had not originated with their company and this was probably a scam. Also, the address they sent the letter to is not my address, but the post office delivered it to the correct address.
Product: Debt collection

Valley Collection Services ( VCS ) and I have reached settlement however, VCS wants payment prior to providing a written agreement regarding the settlement. A 'paid in full ' and a 'payment agreement 'are two different letters. I will not make any payments unless a written document explicitly indicates that a PENDING {$90.00} payment will settle the account in full as agreed upon. Once a payment is made then a 'paid in full ' letter can be distributed. The arbitration terms are with XXXX XXXX XXXX, but Valley Collection Services is what is reflecting on my credit report. If I can not receive a pending agreement letter indicating the {$90.00} will settle the account, I will take further action as VCS has acknowledged an agreement was made through a Better Business Bureau complaint. I will not make a payment then receive a letter after-the-fact, as I have no clue if the letter will comply to what was agreed upon. I am not making 'payments ' toward any balances. This is a 'settlement ' payment. The service was only performed once for {$90.00} while I was not home.
Product: Money transfer, virtual currency, or money service

I reached out via cell and email in regards to my wire transfer, but havent received a response from my bank, the receivers bank, nor intermediary bank. 

I am writing to formally report a dispute regarding an international wire transfer that I believe was part of a fraudulent transaction. I need assistance with recalling or recovering the funds and initiating an investigation. Below are the details of the transaction : Sender Name : XXXX XXXX Sender Account Number : Transfer Date : XX/XX/year> Transaction Reference Number : XXXX Recipient Name : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX  XXXX XXXX XXXX ( XXXX ) Recipient Account Number : XXXX Amount Transferred : {$9000.00} USD I sent this wire transfer as a payment to purchase a vehicle from XXXX XXXX XXXX XXXX in XXXX, based on information they provided. However, after speaking with the owner directly, it has come to my attention that the company has not fulfilled its commitment, gave away the funds, sold the vehicle and is refusing to provide the vehicle or return the funds. I now believe this transaction may have been fraudulent.

I kindly request that you : 1. Attempt to recall or place a hold on the transferred funds if possible.

2. Initiate an investigation into this transaction as a case of suspected fraud.

3. Provide any documentation or guidance that may assist me in further pursuing this issue with the recipient bank ( XXXX ) or any intermediary bank involved. 

A FTC complaint, XXXX XXXX  complaint, and police report have all been filed but have no way to contact the bank itself as the department refuses to respond or answer.
Product: Mortgage

Hello, I called in a complaint to your XXXX phone number last week but I have not heard back from anyone yet. Below is the email that my former employer sent out to a past client of mine even though I resigned from Guaranteed Rate XX/XX/2021. They are still advertising by illegally using my name, email, & XXXX. I have had several clients alert me that they have received similar emails to the one below and how can this be compliant when I have not worked there for over XXXX? Please call me at XXXX so we can get to stop. I previously worked at XXXX XXXX who was purchased by GR and I have several former co workers that this is also occurring with their name, email, & NMLS too.
Product: Debt collection

On XX/XX/year> company I.C. System, Inc for the amount of {$330.00} put inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the accuracy of my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). I recently conducted an investigation with XXXX, one of the major credit reporting agencies, regarding the hard inquiries on my credit file. I am pleased to inform you that XXXX diligently carried out the investigation and promptly deleted all the hard inquiries that were found to be inaccurate. Under the FCRA, credit reporting agencies are mandated to ensure the accuracy of the information they report. Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA states that agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. Based on the recent deletion of these hard inquiries by XXXX, it is evident that the information currently present on my Equifax report is no longer accurate. As such, Equifax is in violation of the FCRA by continuing to report inaccurate information. In accordance with my rights under the FCRA, I kindly request that Equifax takes immediate action to rectify this situation by deleting the inaccurate hard inquiries from my credit file. Section 1681i ( a ) ( 1 ) ( A ) of the FCRA grants me the right to dispute inaccurate information directly with the credit reporting agency. I trust that as a responsible credit reporting agency, you will comply with the FCRA laws and promptly address this matter to ensure the accuracy of my credit report. Failure to do so may result in further legal action to protect my rights under the FCRA. Thank you for your attention to this issue, and I look forward to receiving written confirmation from Equifax once the necessary corrections have been made.
Product: Credit card

I opened a Bank of America Travel Rewards credit card in advance of my trip from the XXXX to XXXX XXXX. Before leaving, I double checked what I needed to do to inform BOA of my upcoming trip, and they said I was " good to go '' since they have done away with travel alerts. After a few purchases, my card was shut off for fraud. I called, spent hours on hold, finally verified the transactions, and reactivated my card. Immediately upon making another purchase, my card was shut off again. This time, after hours on hold, I was told the only way to verify my identity is to go to a physical BOA location. I asked them how I can do that while I'm XXXX XXXX and they said, " that's a really good question. '' Now I am stuck in a foreign country trying to survive on what little cash I took out when I landed.
Product: Debt collection

XX/XX/2022 I decided to order an internet router that included a trial of 30 days. XX/XX/2022 I decided to cancel the service and proceed with the steps to return the router. I got everything I needed afterwards to do that before time came up short on me. Unfortunately, I left to the XXXX XXXX to attend XXXX XXXX XXXX and left the responsibility to a family member to solve the matter. By that time I was not able to do anything because I was out of town attending training and my family members were out of town too. I did not communicate effectively to be able to fix the issue as I was in XXXX and my time was limited to solve things of my personal life. Months passed and when I came back home my family members briefed me of the current situation. There was a lot of mail cards sent to my name BUT I was never at home and they would not open anything when I'm not there. The router is still in my possession and I would like to return it If the debt can be removed as I can not afford to pay the unfair amount that was put on the account.
Product: Mortgage

A storm took place XXXX XXXX, 2015 to my lake property in XXXX XXXX XXXX, MN. I have been working with my Insurance Co., XXXX XXXX XXXX, and they have been great. Now that my claim is over {$10000.00}, the Mortgage Company XXXX PennyMac XXXX wants to hold my money in escrow until they have an inspector come to my property. They say this will take XXXX days or more. Minnesota starts to get colder soon and I am concerned. I have also signed a Mortgage Affidavit, saying I am or will be making the property as good or better than before, which I intend to do and have sworn so. How do I continue to make repairs without the funds XXXX Checks made out to me & PennyMac ) my insurance company has released, but my Mortgage company wants to hold XXXX in escrow. This is very frustrating. Can you help me? My loan payments are current and always have been. This property is located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX.
Product: Student loan

I was trying to get XXXX Loan Forgiveness. It took submitting 3 times and blessing them out to get straight answers. I finally got that done. Now I have been trying to get information on federal forgiveness programs and consolidation and keep getting the runaround. The servicer is Navient. I can never get a straight answer. Also, they have tried to force me to take extensions. They actually implemented it once without permission. I am so done with this company. Thank you for your help. <P/>Sincerely Frustrsted
Product: Payday loan, title loan, personal loan, or advance loan

Tesla activated my loan for a solar + power wall system when the system was not properly installed, was found defective, and sat for MONTHS not operational. 

I contacted Tesla via phone, chat and email dozens of times to get my system operational and they were extremely non-responsive. No one was taking responsibility despite multiple escalations. 

My loan should not have activated until my system was up and running for at least a month. 

Instead, my system was not repaired until XX/XX/XXXX, after an initial installation date of XX/XX/XXXX. I received permission to operate from the local utility company on XXXX. I should have had a working system on that date, ensuring that I was not generating energy bills, so I would be able to have a full month of savings to pay my Tesla loan which was scheduled to activate on XX/XX/XXXX. 

Because Tesla installed a defective power wall, I was not able to generate power, and now I am stuck not only with my Tesla loan first installment, but also my power bill for at least the first half of XXXX, after I had received permission to operate.
Product: Mortgage

In mid XX/XX/2020 I began a refinance of a property I own in XXXX with Loan Depot The agent who has an office only 4 doors down on the Peninsula of XXXX XXXX was helpful to get the re-finance started. 

Not long after that problems started as they constantly asked the same questions. 

Since then it has been a descending nightmare I know they are busy and " everyone is refinancing '' however it has now been 9 months and this still has not gone through. I have tried to work up to higher management positions, however I am still getting the same run around. Its back and forth with the same documentation and its always " Close to approval ''. 

Now over 9 months of my time wasted with over 400 emails back and forth. 

I can appreciate things are busy, but no one is getting back to me. 

The service is abysmal and they are holding me hostage because of all of the time I've already invested in this process. 

This re-finance is for only XXXX and the property is worth a XXXX. 

It should be a very easy discussion and decision. 

I am desperate for someone to take an hour out of their day and pick up the phone and coordinate this between me and an underwriter. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX could not find the time to pick up the issue and run with it.
Product: Checking or savings account

I deposited a settlement check for {$1400.00} on XX/XX/2019 at approx XXXX XXXX. I deposited the funds at the PNC ATM in XXXX, Al. After I made the deposite I was told that my funds would be released on XX/XX/XXXX. Well XX/XX/XXXX is here and my funds weren't releases. After waiting until mid-noon, I was told that PNC couldn't tell if the check is legit. But here 's a big problem, when I made the check deposite the day before I had a negative balance of - {$1.00} well today ( XX/XX/XXXX ) it was - {$0.00}, and even though it was a few cents, its obvious that PNC was able to draw the change from my check to my account which mean they know the check ia valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Financial contracts, including those between banks and their customers, should be equitable for both parties. This means that both the bank and the customer should have fair and balanced rights, obligations, and opportunities under the contract. 

In the context of a bank account, an equitable contract would generally include terms and conditions that are transparent, easy to understand, and do not unfairly favor one party over the other. For example, the bank should disclose all relevant fees, interest rates, and account features to the customer, and the customer should be able to access and use their funds in a reasonable manner.

However, it is important to note that the concept of equity is not always straightforward and may be subject to interpretation. In some cases, a contract may appear to be equitable on the surface but may still have hidden terms or conditions that could be considered unfair or unbalanced.

This is when The Fair Lending Act, which is part of the Equal Credit Opportunity Act ( ECOA ), plays a crucial role in promoting equity in financial contracts and preventing discriminatory lending practices.

Under the Fair Lending Act, lenders, including banks, are prohibited from discriminating against applicants based on certain protected characteristics, such as XXXX, color, national origin, sex, relig
ion, familial status, or disability. This means that lenders must evaluate loan applications fairly and consistently, without consideration of any of these protected characteristics.

By prohibiting discriminatory lending practices, the Fair Lending Act helps to ensure that financial contracts are equitable and accessible to all consumers, regardless of their background or personal characteristics. This, in turn, promotes competition, innovation, and economic growth by making it easier for businesses and individuals to access the capital they need to succeed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in mid-  XXXX   2017, I disputed an account for   XXXX   XXXX    that was listed on my Equifax Credit Report in the amount of {$1600.00}. The item was disputed and I later received confirmation through  XXXX , a credit monitoring service, that this item was removed from my Equifax Credit report. Sometime around   XXXX   XXXX  , 2017, the same item was attached back to my credit report without my receiving 5 days notice from Equifax ahead of placing the debt back on my credit report.
Product: Credit reporting or other personal consumer reports

The accounts below do not belong to me and I would like them removed. I filed a report with identitytheft.gov. 

The accounts on my Transunion profile that do not belong to me are 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 that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. Arrofi xxxxxxxx 4379 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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: Credit card or prepaid card

Bank of America has denied my claim many times i have submitted all my documents XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally demand that you cease and desist from reporting any inaccurate, misleading, or unauthorized derogatory marks and collections on my credit report. Upon reviewing my credit file, I discovered that your company has reported negative information that I believe to be inaccurate, unverifiable, or improperly placed in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX.