23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I call US Bank Home Mortgage XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) ask them both for refinancing papers to assume rightful ownership apart from joint party in order to reduce income to debt ratio and it been months now without any information given by o either party. US BANK sent many denial of refinancing solely base on an old credit score in which is not the same for months. Creating XXXX XXXX XXXX XXXX as the main reason for denial summiting false score of XXXX ( XX/XX/2023 ) when in fact it been XXXX since XX/XX/2023. Also XXXX XXXX XXXX warrenty company is stalling a Air Handler for our 14 year home air conditioner unit serviced by XXXXXXXX XXXX XXXX XXXX XXXX GA License # XXXX ) ( SC License # XXXX ) XXXX I have invoice and place work order XX/XX/XXXX or two weeks prior and have not receive any work yet XXXX  continue to debit my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud. 

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union show on all XXXX of my consumer reports. The NFCU appears as being late 30 days. Yet the send me documentary evidence that shows me as the original creditor. The documentary evidence shows a finance charge was applied to this alleged debt.

15 USC 1605 Determination of a finance charge ; 15 U.S. Code 1605 - Determination of finance charge. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. 

With finance charge being deemed " sum of all charges. '' A creditor or alleged credit has not right to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant 15 USC 1602 ( l ). The existing device used as a credit card in this transaction was my social security card. Remove all late payments immediately
Product: Debt collection

I have a collection from XXXX on my XXXX, XXXX and XXXX XXXX I have never had a XXXX account I have a XXXX account, this is a incorrect information due to the fair debt act signed in 2010 by President Obama, By its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). 
Upon notice from a consumer that inaccurate information has been furnished to a CRA, the creditor must conduct a " reasonable '' investigation and issue its findings within 30 days, with XXXX 15-day extension allowed. This is the same amount of time credit bureaus have to investigate and respond to a consumer dispute. I have had a fraud protection Alert. I demand who has been paying this bill because I have never had a XXXX account EVER ... I have contacted XXXX and they have no knowledge on me in their system, called the collection agency was gave a run around talked to XXXX XXXX ID XXXX that stated he could not connect me to the number I need to be transferred to, I had a XXXX rep on the phone as well she looked up the number is was a bad number he gave me a XXXX no answer the XXXX rep called another number spoke to XXXX XXXX ID XXXX, these names sound fictions, still could not pull up any information on me by my SSI number.
Product: Credit reporting or other personal consumer reports

I previously disputed the improper reinsertion of a fraudulent account from XXXX  XXXX XXXX on my credit report. This account was reported without my authorization. I filed a police report about this account, and it was removed from my credit report.

However, a few months ago, the account was added back without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. Credit bureaus are required to inform me within five days if deleted information is reinserted. Even after updating my consumer report, the fraudulent account is still being reported by Equifax. I received a letter from XXXX confirming they removed the account, but Equifax is still reporting it. This is a violation of FCRA Section 605B, which requires blocking fraudulent information when an identity theft report is filed, and FCRA Section 623 ( a ) ( 5 ), which prevents companies from reporting false information after it has been disputed. Additionally, Equifax 's failure to prevent this issue shows non-compliance with CFPB Regulation V, which requires credit bureaus to make sure information is as accurate as possible and to prevent incorrect information from being added back. Equifaxs actions show a disregard for these laws. For reference, I have attached a copy of the XXXX letter confirming the removal of the account, my police report, and a letter from Equifax confirming the account was removed before
Product: Credit card or prepaid card

I am writing to complain about the lack of service I received in a complaint resolution with CareCredit. The confirmation number is # XXXX. It was for a {$7000.00} quality of goods complaint for XXXX XXXX XXXX, a XXXX  in XXXX XXXX, XXXX. At the time, I explained the situation over the phone to the person. She did not have me put anything in writing. She simply had me explain the situation. 
The basic facts of the complaint are that XXXX XXXX made a fixed denture for me that did not fit properly. It caused me severe XXXX pain. I went to a physical therapist several times and a speech pathologist who all agreed the denture did not fit well and was the source of my pain. I explained this to XXXX XXXX, and he stated that was about all I can do. I paid him $ XXXX {$7000.00} of which was on the CareCredit card. After discussing the problem with other professionals, I was finally able to have a new one made by another prosthodontist. This new one fits properly ; however, I, of course, needed to pay my new dentist. I do not believe I should have paid for a dental prosthesis that is non-functional. I believe it is currently sitting in a lab at my new dentists office. It was quite literally {$15000.00} paid for nothing but pain. 
I am writing to you because evidently CareCredit reached out to XXXX XXXX, accepted whatever he said, and filed in his favor ( he lied about much of this. ) The bottom line is that I can not use what he made. Why in the world would I not use it if I could? This does not make any sense. Why would I want to have another one made if is worked fine? 
Not XXXX person at CareCredit ever wrote down or asked me any follow-up questions. In fact, I only discovered the conclusion of the claim from XXXX XXXX himself. I had tried contacting CareCredit on several occasions and am only placed on hold for XXXX minutes or more. I have screen shots showing this. It is nearly impossible to get a hold of anyone at CareCredit. Even when I tried to offer feedback on the website, it would not work. I finally discovered that there was a message regarding the conclusion on the website. No one had informed of this. This entire ordeal is highly unethical from beginning to end. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute items on my credit report as accurate when in fact is not. According to 15 usc1681b They don't have my written consent to report any item on my credit report to continue to do so is consider identity theft by law.
Product: Mortgage

I am sending XXXX attachment. But i noticed it said fake path. Since I began making reports to CFPB, I notice a redirect when I have sent documents to you. As of yesterday, I was hoping it was repaired. If I do not hear from you, I will call shortly. 
In a XXXX XXXX, 2016 correspondence from specialized loan servicing company ( SLS ), the company stated XXXX XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee is my current creditor with whom the debt of XXXX is owed. SLS stated that the amount of debt as of XXXX XXXX, 2016, is the unpaid principal balance ( PB ) of the first mortgage : {$46000.00} and includes the deferred principal balance : {$78000.00} There is a late fee, advanced escrow fees, and some uncollected interest also owed. To bring more clarity to this matter, I am asking Specialized Loan Servicing ( SLS ) to provide me with, again, 1. Name of company to whom I owe the {$120.00}, XXXX, Address, Telephone Number, Loan Account Number, and provide a first and last name of a person to contact, along with extension number if he/she has one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX SSN : | DOB : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To Whom It May Concern : I am writing in response to your computer-generated letter dated XX/XX/2024, regarding my dispute. The communication stated your decision to halt the investigation of the inaccuracies I reported based on the assumption that I am affiliated with a third-party credit repair agency. 

In my letter dated XX/XX/XXXX ( enclosed for your reference ), I explicitly requested an investigation into specific items that I believe are erroneously reported. This request was made directly by me, without any intermediary involvement. 

It is evident to me that your organization is utilizing its authority under the Fair Credit Reporting Act ( FCRA ) to evade conducting a thorough investigation. Moreover, after conducting research on the subject matter, I have found no legal basis prohibiting a consumer from engaging a credit repair agency, rendering your response even more unfounded. 

I urge you to reconsider your decision and proceed with a comprehensive review of the disputed items in my credit report as mandated by law. Your compliance with the FCRA guidelines is essential to uphold the integrity of the credit reporting process. 

I expect a prompt response acknowledging the delay in addressing my dispute and a commitment to conduct a proper investigation without further delay. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4500.00} XXXX XXXX XXXX XXXX  -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont remove Mohela when I was approved by XXXX when I was approved a TPD discharge over a year ago.
Product: Credit reporting or other personal consumer reports

I worked hard to get my score up to XXXX and in one week Experian drops me XXXX points in one week totally illegal and against federal regulations my credit account has few cars and a few I paying on time as well as a long standing loan through my credit union as well on time. It's alarming to have your score dropped XXXX points with no explanation the same scripted response of algorithms and they dont was to speak to you or listen still fighting for over a week to get them to remove a negative reporting that has nothing to do with me at all and I called this XXXX XXXX who could not provide a signed contract or credit application from me to produce proof. Experian holds folks hostage as the nationwide reporting and always making mistakes and public information errors. They want to force folks to pay for this ridiculous service twice charging me and having to spend hours on hold to refund me. All my scores were good across the board, payments on time, now they want to XXXX  me with you have too little credit or too many inquires as they constantly send me promotions practically everyday for a new card or loan to consolidate. It's a bombardment in my email.
Product: Mortgage

My next years payment increased almost XXXX dollars a month. They said there is a shortage of XXXX in my escrow which is not the case. They add hazardous insurance to my account XXXX which is also on my 1098 tax form that they said didnt matter that information isnt correct. Well why is it on my tax form if it isnt correct : I have had the same insurance company for XXXX years, they have always taken out the correct escrow each month with no issues. There cant explain the extra XXXX a month even though I have paid my escrow which covered my taxes, the added this hazardous insurance for no reason.
Product: Credit card

On XX/XX/XXXX, Chase Credit Card pulled {$220.00} from my Chase Checking account. I am unemployed and can not afford basically anything right now. After pulling that payment, I was left with {$13.00} in my account. I AM UNEMPLOYED. I did not authorize this payment. I called and had my payment plan cancelled a month ago due to still being laid off and not being able to afford such a high payment. Chase decided to still pull this money from my account and it was UNAUTHORIZED. On XX/XX/XXXX, I spent XXXX hours on the phone with various departments trying to get this payment reversed as it was unauthorized. After XXXX hours, I was told once the payment was posted I would be able to call back and have it reversed. On XX/XX/XXXX, I called the credit card department and explained the situation again. I was then transferred to payments where I explained the situation again and was transferred to a supervisor. I explained the issue to the supervisor and she told me there was nothing she could do because my account was in a past due status. I explained to her that this payment was UNAUTHORIZED and that it needed to be reversed back to my account. I am unemployed and unable to barely feed myself. That {$220.00} was my meals the next XXXX weeks. She stated she couldnt reverse it. I never authorize them to do this as my plan was cancelled in 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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing this letter with an escalating sense of anger and frustration regarding the abysmal and unacceptable failure to remove fraudulent items from my credit report. Despite my numerous attempts to rectify this situation, the ongoing presence of these inaccuracies is not only infuriating but also jeopardizing my financial well-being. 

The nightmare began and since then, I have embarked on an exhausting odyssey of dispute submissions, each accompanied by an exhaustive compilation of evidence and detailed explanations to substantiate my claims. Astonishingly, these efforts have been met with an astounding level of incompetence and disregard, as the fraudulent items persist like a relentless adversary. 

This is not a minor glitch in your system ; it is a blatant violation of my rights and an affront to the principles of accurate credit reporting. The toll these persistent inaccuracies are taking on my financial stability and peace of mind is immeasurable and utterly unacceptable. 

I demand an immediate and comprehensive investigation into this matter, with an unwavering commitment to removing the fraudulent items from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the systemic failures to address and rectify these issues. 

The time for excuses and inadequate responses is over. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and explore legal avenues to address these persistent and egregious inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I sincerely hope that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a Victim of Identity Theft and on XX/XX/XXXX, I became aware of multiple accounts opened in my name without my knowledge and/or authorization, after multiple disputes with the Consumer Agencies, on XXXX, XXXX, I went to file an Identity Theft Police Report and after several disputes, I was able to remove most of them, unfortunately, Experian still remains the following account XXXXXX/XX/XXXX XXXX on my Consumer Report and this is a formal notification that Experian is in violation of multiple provisions under the FCRA, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 

I have experienced significant emotional distress due to this matter, and it has severely impacted my mental well-being. Therefore, I feel compelled to escalate this issue and request a fair and equitable resolution.
Product: Credit card

By XXXX XXXX XXXX agent, on behalf of the principal XXXX XXXX demand immediate action regarding the unlawful and egregious closure of my credit card account by Bank of America. This closure is not only a gross breach of contract but also a flagrant violation of federal law. Bank of America has not only ignored its legal obligations but has also disregarded the securities and tender of payment that were provided as full settlement for the account balance. 

Under the Uniform Commercial Code ( UCC ) 3-603 ( b ), the debt was discharged the moment the bank received and accepted the tender of payment, which was indisputably acknowledged by Bank of America . Their subsequent refusal to credit the account and discharge the balance constitutes fraud and an unconscionable breach of fiduciary duty. 

Furthermore, my Durable Power of Attorney ( POA ) was sent to revoke any authority Bank of America has over my account, not to give them any further power. The banks failure to recognize this document shows a deliberate and malicious attempt to defraud the principal, adding to their already reckless behavior. In accordance with 12 U.S. Code 1813 ( l ) and 31 U.S. Code 5118 ( b ), the bank has an obligation to credit my account and discharge any balance once legal tender is accepted. 

This isnt merely a clerical oversightthis is wilful negligence. The bank 's continued refusal to address the matter or respond to my communications, including my certified conditional acceptance affidavit sent in XX/XX/XXXX, adds to the gravity of this breach. The Truth in Lending Act ( TILA ) under 15 U.S. Code 1635 demands accurate management of accounts, and Bank of America has failed to comply with these basic legal principles. 

In light of this misconduct, I refer to case law such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which solidifies that this refusal to credit accounts after accepting legal tender is a breach of contract. These actions will not go unanswered.