23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The Bank of America closed my account and told me that on XX/XX/XXXX they sent me a check of the funds and today I called them and they told me that no check would be sent and I need my money Bank of America close my account without explanation
Product: Mortgage

First off I was sold to ditech from Greentree which I have never had a problem with. I just received a Annual Escrow Account disclosure statement and I noticed that I am being increased in my monthly payments by {$70.00}. I phoned ditech and told them that I received an overage check from my insurance company and that the amount actually owed was only {$870.00}. I told them I would send the paid receipt so they can re-adjust my escrow account and they refused to accept that. The customer service for this company is very rude including a manager who I asked for who was also no help. Also on my disclosure my current escrow is for {$400.00} and my new payment escrow is {$390.00} plus escrow shortage of {$81.00} does this make since no.
Product: Credit card or prepaid card

XXXX XXXX IS REFUSING TO POST MY PAYMENT I MADE XXXX WEEKS AGO PLAYING FLOAT GAMES. I WANT THEM SHUT DOWN IMMEDIATELY. ILLEGAL. DISCRIMINATION AGAINST XXXX CLIENT. I AM SUING YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, and continues to report unverified information without providing any proof required by law. XXXX and Transunion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from 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 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
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX Balance : {$700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy XX/XX/2021. I provided Experian with a copy of my bankruptcy discharge order and copy of the creditors included in the file petition. Creditor XXXX XXXX and XXXX XXXX refuses to update credit report with bankruptcy filing and removing balance
Product: Mortgage

My client recently completed her CH XXXX BK and was granted from the courts to proceed with refinancing her property. The existing payoff was held with PNC Mortgage and they took over 75 days to provide the payoff demand in order for the new escrow company to fund and record. As the lender, we had everything ready to be completed in 20 days knowing we had a 45 day lock period incase there were delays. From day 20 up to day 75 or 76 we could not receive the pay off demand costing our branch over {$1500.00} in extended lock charges. Not only do I have email records from myself and the escrow officer trying to get the information form PNC but I have an entire conversation timed and written down with names and discussions about how their process works in order to speak with a supervisor or a manager. It's impossible and they will not allow you to talk to anyone directly, you have to speak with a representative who then types the message while you wait on hold for the response. Because I was insistent on staying on the phone from XXXX XXXX they lied to me about the release and once I called back to confirm, nobody knew what I was talking about and couldn't release the information to me without filling out and authorization form. The authorization form I was told can take up to 5-10 business days to be accepted. Escrow was told at least twice that the pay off demand would arrive in 5-10 business days as well.Each time you call and ask for the pay off department you are sent to a recording and automatically hung up on. The entire process was a total nightmare and because of my escrow officer bending over backwards each day for over a month and a half, somehow it was finally provided. I want to know how a company can get away with that type of system, costing other lenders money, taking time away form other people 's jobs, and not have consequences for their actions and lack of care for the client. If my branch manager didn't choose to take the hit, my client would have never closed her loan, her mortgage payment would not be reduced, and she would have been out for the additional costs that were accrued for doing the loan. PNC should be put out of business for how they conduct themselves with no regard for others. Our branch suffered, escrow suffered, and the client suffered in worrisome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take note that this student loan from XXXX XXXX XXXX was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing a complaint on XXXX  for disclosing my information to multiple third parties such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX who has put me and my wife on a strict checking account not allowing us to deposit anything from a mobile app or ATM, having very limited transfer abilities basically making me feel humiliated and embarrassed of the situation. 
They are in violation of : 15 US code 1681a # 2 A1 15 US code 1681a # 4 MUFG Union Bank is in violation of the Gramm Leech Bliley Act- they did not give me any opportunity to opt out from any information being disclosed, they also disclosed information without my consent to XXXX XXXX I have submitted a report from chexsystems with all the information. This situation has caused me much damage financially, not allowing me to open a bank account so i could acquire a vehicle loan for me and my family.
Product: Consumer Loan

I purschased a car from Carmax back in 2013 and have not even had the vehicle over 24 months and the transmissioon has been replaced twice by XXXX which carmax is contracted with and transmission was replaced again 3 months later and i 'm still having technical difficulties with the vehicle the transmission still signaling transmission hot idle engine, however I believe Carmax may have sold me a bad vehicle when i purschased the vehicle it had about XXXX miles and now well under XXXX again the vehicle should not have given me major problem in so little time, i believe i was leased a bad vehicle and would like a replacement car or refunded some of my money back for dealing with the issue and i do n't want to move forward with the same problem after it reached the maxium mileage and not covered under warranty.
Product: Vehicle loan or lease

I purchased an XXXX XXXX from XXXX XXXX, XXXX, Minnesota, a couple of months ago and have had Nothing but problems with XXXX XXXX being very dishonest about the vehicle condition as well Westlake Financial Services who have a contract with this dishonest dealership. 


Westlake Financial concerns to date : Employees allowing someone else 's payments to apply to my loan, No willingness from Westlake employees to remedy the situation, therefore blocking my ability to make the timely payment. 


Westlake, Dealer Compliance, XXXX and his supervisor, " investigating '' XXXX for miss-representing my vehicle, with XXXX and XXXX, XXXX, working together in an attempt to Keep my XXXX down payment ....!!!, while siding with XXXX XXXX, stating that it was an " as is, used vehicle. '' Even after I explained over and over again, that XXXX misrepresented the vehicle over and over again, via phone calls, live video, mechanics comments, car wash that showed no leaks, no oil or fluid changes, etc. yet XXXX stated the vehicle had been fully serviced, and stated over and over again that this vehicle had no problems. 


Only to find out, through certified dealerships, to date, problems with : 3 broken bolts in the exhaust system, both manifolds were cracked, top leaked, and stereo now does not work due to the leaky top or roof. These repairs, to date, have cost over {$4000.00} ... 


Last ThursdayXXXX Westlake XXXX XXXX, XXXX and his supervisor, told me that my title was ready and waiting at my local XXXX, located in XXXX XXXX, Nebraska. Upon arrival at my XXXX, I was told that I not only do they not have the title to my fully paid off XXXX, also Westlake has a lien on it. 


XXXX plus calls to Westlake, with XXXX assistance. I feel that this alliance between XXXX and Westlake is deadly, and is taking advantage of a vulnerable population. 


Any assistance you could offer here would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Total Visa are reporting inaccurate and incomplete information on my consumer report. I have disputed with the all 3 credit reporting agencies in XXXX XXXX XXXX and the erroneous information has been verified as accurate on both accounts. I have attached my intent to file arbitration letter per XXXX XXXX ' and Total Visa 's contract. The letters have also been sent certified mail to XXXX XXXX and Total Visa to serve as notice of my intent to file a demand for arbitration.
Product: Mortgage

I applied for a home loan to add approx XXXX sq ft to my property. I had my contractor submit the paperwork and drawings to Wells Fargo and agreed to have the do a appraisal. Without discussing anything with me the choose to order a appraisal from a company located XXXX-XXXX miles from my location instead of using the numerous companies located around my area that would understand market conditions and variables. Below is a email I sent to Wells Fargo, at this point the resolution I am looking for is a refund of the appraisal fee. I am even willing to take that refund in a the form of a check donation to a charity of my choice. I have not problem they did n't want to issue the loan but have a problem that they refused to consider that they appraisal company they choose to use was too far geographically from my area to accurately appraise my property. I have done research using local realtors and comparable home sales the the true value of my property as it sits today without the addition is between 230-250K. So a value of $ XXXX with addition is just plain wrong. email sent to Wells Fargo on XX/XX/XXXX I have at least three properties that show per-renovation value at between {$84.00} to {$130.00} per sq ft for similar properties. I think I found the problem. The basement is 100 % finished and is XXXX for one and his comps are not good at all. Below are three good comps. The total square foot for my house without addition is XXXX minus XXXX sqft for utility room in basement, XXXX upper and XXXX lower plus XXXX additional for new addition. So total new sq ft would be XXXX so if the value is taking conservative average of {$100.00} sq ft that would be $ XXXX. Even if you take the low end of {$93.00} that would still be XXXX. This does n't even include the fully finished garage office/man cave at over XXXX sq ft which is livable space for sure. If you add that in the value at XXXX would be $ XXXX Please advise as I am not about to pay for a appraisal that was n't done correctly and tell me that I am putting $ XXXX into a house but the value is only {$190.00} is just ridiculous. Wells fargo picked this appraiser and I would hope you help to make this right. XXXX XXXX XXXX XXXX XXXX sold on XX/XX/XXXX difference XXXX acres 1 more bathroom, 2 less bedrooms. {$240.00} XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is less sq foot $ XXXX $ XXXX/sqft XXXX XXXX XXXX XXXX sold XX/XX/XXXX difference is XXXX acres but 2 less bedrooms and 1 less bathroom and a lot less sq ft {$130.00} sq/ft {$180000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX  as well as XXXX  and Regional Acceptance informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Product: Debt collection

I got an email from XXXX XXXX about how I owe speedy cash money when I havent even taken a loan out. I took a loan out a long time ago and paid it off. Now she is saying there is a lawsuit for XXXX XXXX Violation of Federal Banking Regulation XXXX XXXX  Breach of contract with loan the company XXXX XXXX  Theft by Deception the emails are very annoying and I KNOW for a fact that I dont owe anything. It should be even illegal to tell someone they have a lawsuit out when they dont.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Resolution Department, I am writing to formally dispute the collection status reported on my credit report regarding the XXXX XXXX XXXX XXXX. Upon reviewing my credit report, I noticed that this account is listed as being in collection status. However, I have reason to believe that this information is inaccurate and should be rectified immediately. 

I have never received any communication from XXXX XXXXXXXX or any collection agency regarding this account. There has been no attempt made to collect this alleged debt from me, nor have I been provided with any documentation or evidence supporting the validity of this claim. Additionally, I have diligently maintained my financial obligations and have never defaulted on any credit accounts in the past. 

Furthermore, I request that Experian conducts a thorough investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). I urge you to verify the accuracy of the information being reported and provide me with any supporting documentation or evidence that validates the legitimacy of this collection status. 

As a consumer, I am entitled to accurate and up-to-date information on my credit report. The inaccurate reporting of this account has the potential to negatively impact my creditworthiness and financial standing, which is why it is imperative that this matter be resolved promptly. 

Please investigate this dispute at your earliest convenience and provide me with a written explanation of the findings. If the collection status on the aforementioned account is indeed found to be inaccurate, I request that it be promptly removed from my credit report. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; EXPERIAN XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

NTL Recovery Agency, XXXX XXXX XXXX, XXXX, PA XXXX has made a derogatory claim against me for not paying the sum of {$260.00} to XXXX  XXXX. I contacted them by telephone on XX/XX/2020 and attempted to explain that I have never received a writing from their company to provide me with an opportunity to verify the accuracy of their allegations, that I am not indebted to XXXX  XXXX, I am not indebted to NTL Recovery and they have damaged my credit standing by falsely alleging that I am delinquent on a debt which I am not obligated to pay. 

They told me that I can either pay the debt or sue them. I asked for a supervisor. They kept me on hold for about twenty minutes, then disconnected the phone.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$25000.00} from XXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely deleted this unverifiable debt from my report as of XX/XX/. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Debt collection

Should not be in collections. These loans are in a cosolidation loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian XXXX separate certified letters on XX/XX/2021 and XX/XX/2021 that were signed for and received on XX/XX/2021 and XX/XX/2021 ( and I have proof ) regarding the negative and incorrect reporting of a {$2400.00} charge off on my credit report regarding an account from XXXX XXXX. In my second dispute letter I let them know they failed to comply with the law and they must now remove the item from my credit report, yet it is still being reported. They have failed to respond both times within 30 days and failed to provide me with copies of any documentation associated with this account, bearing my signature which is a violation of federal law. Therefor they were supposed to immediately delete that information off my credit report. I clearly also stated I did not consent to XXXX or any other automated means of verification. Attached you will find proof of both of my letters sent via certified mail and proof of being signed for via certified mail receipt.
Product: Credit card or prepaid card

This is regarding a Consumer Credit transaction entered with Discover XX/XX/2022 and I extended your organization the credit for application no. XXXX. From your end, I have not benefitted from this transaction which is a direct violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder received no benefit. Discover is again in violation of 15 USC 1691 ( d ) ( 6 ) by entering this one sided transaction, and denying the consumers natural right to credit. I have exercised my rights in good faith and have been wrongfully discriminated by both Discover and XXXX as seen in Exhibit A, violating 15 USC 1691 ( a ) ( 3 ).