23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received notice of a lawsuit by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Bank of America. I filed an answer and met with XXXX XXXX XXXX ( partner in the law firm ) and explained that due to my medical conditions I had to take early Social Security and am receiving XXXX XXXX  monthly and barely making enough to survive. I explained that my income prior to me taking social security was over {$80000.00}. I offered to settle for {$2000.00} @ XXXX XXXX  monthly, XXXX XXXX denied the request stating Bank of America wants payment in full which he could break into 4 payments. I explained that my only income is Social Security and gave him a copy of my statement. I also explained that these are exempt funds and cant be attached. His reponse was my client wants a judgment. He said he would present a hardship to his client and the court gave us a return date of XX/XX/year>. The law firm file Motion for Summary Judgment and didnt respond back about the hardship presented to their client Bank of America .

I feel that this was deceptive and that both the law firm and Bank of America should be sanctioned by the CFPB. 
Thank you for your time and consideration
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Re : Dispute and Complaint against XXXX XXXX Dear CFPB Representative, I am writing to dispute and complain about the unfair and inaccurate reporting of a charged-off account by XXXX XXXX. The account, which appears on my credit report as " XXXX, XXXX was allegedly charged off and written off in the amount of {$160.00}. 

I strongly dispute this account and its reporting for several reasons : 1. Failure to provide a 1099-C : As a result of the charge-off, XXXX XXXX was required to provide me with a 1099-C form, which I never received. This form is necessary for me to report the income on my tax return. 
2. Inaccurate reporting : Despite the account being charged off and written off, XXXX XXXX continues to report that I owe a balance. This is inaccurate and misleading. 
3. Unfair tax benefit : XXXX XXXX claimed the charged-off amount as a loss on their taxes, which provided them with a tax benefit. However, they failed to provide me with the necessary documentation to report the income on my tax return. 

I request that the CFPB take immediate action to : 1. Investigate this matter and require XXXX XXXX to provide me with a copy of the 1099-C form. 
2. Correct the inaccurate reporting on my credit report and ensure that the account is updated to reflect a XXXX balance. 
3. Take enforcement action against XXXX XXXX for their failure to provide accurate information and for their unfair tax benefit. 

I have attached a copy of my credit report, which shows the inaccurate reporting of the account. I would appreciate it if you could look into this matter urgently and take corrective action to resolve this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company, never notified me, emailed me, I have frozen my credit reports due, to losing my wallet, and a home invasion years ago, I have never had XXXX..as I use a antenna, with aluminum foil on the ends. I researched this company and saw, they have been known to just give a Bill 3 weeks ago they began calling, me threatening to take my XXXX check, I told the lady, on the phone. I didnt know who she was or the company, at all
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute Regarding Unauthorized Inquiries and FCRA Violations Dear Equifax Dispute Resolution Department, I am writing to formally dispute the resolution provided to my previous inquiry dispute dated XX/XX/XXXX. The inquiries in question are : 1. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX In my original dispute, I stated that these inquiries were inaccurate and unauthorized as per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). However, the response I received from Equifax merely stated that the inquiries were verified without providing any substantive proof or documentation supporting this verification. 
According to the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if it is found to be inaccurate, incomplete, or unverifiable. Your failure to provide sufficient evidence that these inquiries were indeed authorized violates this statute.

Furthermore, 15 U.S.C. 1681b ( f ) clearly states that a consumer reporting agency may only furnish a consumer report under specific circumstances and with the proper authorization. By not adequately verifying these inquiries and retaining them on my credit report, Equifax is in direct violation of this provision. 
The presence of these unauthorized inquiries on my credit report is causing harm to my credit score and financial reputation. As such, Equifax is liable for damages under the FCRA, and I am entitled to seek legal remedy for this harm. 
I request that Equifax immediately remove these unauthorized inquiries from my credit report and provide written confirmation of their removal. Failure to comply with this request will leave me no choice but to consider legal action for the damages incurred due to your non-compliance with the FCRA. 
Please respond to this letter within 15 days of receipt to confirm the actions taken to rectify this matter. You may reach me at XXXX for any further information or clarification. 
Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Mortgage

Rushmore Mortgage has applied illegally insurance to my escrow account which has obligated me to pay twice for the same risk and coverage. This is illegal. I have contacted them several times and They only answer with no technical explanation. I have provided insurance for the structure of the building were my unit is built and they referred to that insurance as a blanket which is not. This insurance covered the unit as stated in the certificates I have sent since I own that unit.Condiominium policies have specific ISO form the Insurance Service Office which it is not remotely what Rushmore Mortgage intend to portrait. They are requesting an HO6 form which esentially is, content of the unit coverage which for a 800 sqf unit is no more than {$10000.00}. They illegally charged me for insurance for the same value of the loan. Insurance is for the replacement cost value as I have explained them several times. In this case the unit has full coverage of the structures and evrything under a special form insurance which they can obrtain from ISO but They believe that they can do this to offset his own blanket policy which basically is an insurance for their business. CFPB needs to act in this complain because it is damaging many middle class homeowners increasing their monthly payments and creating another recession which at the end of the day damage middle class since the investor receive a bail out which would be also charged to the middle class taxes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Violation XXXX FCRA and CFPB Consent Order To Whom It May Concern, This is a formal dispute of inaccurate and unverifiable information on my Experian credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Your company has a legal obligation to conduct a reasonable investigation of disputed items and provide a thorough, good-faith review of the accuracy of the information. However, recent actions by the Consumer Financial Protection Bureau ( CFPB ) confirm that XXXX has failed to uphold these legal obligations. 

the CFPB ordered XXXX to pay {$15.00} XXXX for improperly investigating consumer credit disputes. This enforcement action proves a clear pattern of negligence and noncompliance with federal law regarding consumer disputes. If Experian failed to properly investigate my dispute as required by the FCRA, then the continued reporting of inaccurate information constitutes willful noncompliance, exposing your company to further legal consequences. 

The following items on my report are inaccurate, unverifiable, and causing undue harm to my creditworthiness : All balance, fraudulent accounts, incorrect payment history, etc. 

Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified as accurate within 30 days, you must delete it from my report immediately. Any failure to comply with this request will be viewed as a willful violation of federal law. Given the CFPB 's recent enforcement action against Experian, I will not tolerate any further mishandling of my dispute.

If you fail to properly investigate and resolve this matter, I am prepared to escalate my complaint to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My states Attorney Generals office Potential legal action for damages due to your continued violations of the FCRA I demand a written response confirming the deletion of these inaccurate items within 30 days as required by law. Failure to comply will result in immediate escalation of this matter.

This letter serves as an official notice under the FCRA. Preserve all records related to my dispute, as failure to properly investigate may subject Experian to additional fines and legal liability. 

I expect a timely, lawful response and full compliance. 

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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$3900.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted a representative with XXXX  to make payments on this account and I was told that the account had a {$0.00} balance. Currently this account is reporting a current balance. This account should be reporting a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to correct this however, I have not been successful.
Product: Checking or savings account

I opened a Capital One 360 account in XX/XX/XXXX. The agreement was that there was a {$400.00} bonus if I enter promotional XXXX. 
https : XXXX Received at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. I did all of this. 

Capital One has denied me the {$400.00} bonus stating that, " I had opened another Capital One 360 '' checking account. I never did this. The misunderstanding is due to the fact that I had opened, back in XXXX, an XXXX XXXX account. This was not a Capital One account. Then at some point in time, Capital One took over XXXX XXXX. The old account became a Capital One account. But I never opened an account with Capital One. 

In fact, I thought that the XXXX XXXX account was closed and somehow Capital One kept it open for 5 years with only 1 cent in the account???? It's clear that I never used the account and it just sat there. So when I found out about it in XXXX, I had the account closed. They are stating that I missed the cutoff and I had a previous Capital One account so I'm not elligible for the bonus. But it's due to their own error ( XXXX cent ) and keeping an account alive for several years that I was not aware of. 

I would like to be a Capital One customer and I would like my {$400.00} bonus manually applied. 

I called on XX/XX/XXXX and explained all of this. I was told that the bonus may hit that very evening, so I should wait and see and then call back if it didn't happen. 

I checked again on XX/XX/XXXX and seeing no bonus, I called again. I eventually was put through to some gentleman that identified himself as " management. '' I reexplained the entire ordeal, and he seemed indifferent, really didn't care too much, and told me that due to the other account being open I just missed the cutoff and he could not apply the bonus. I don't think this is fair because I never opened a previous account with Capital One. It's not my fault that they took over another bank and converted an account from that bank. 

Please apply the {$400.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agent Experian XXXX XXXX I have disputed a XXXX XXXX account on my credit profile with Experian 3 times for inaccurate information, they keep updating this account to recent activities..this account need to be removed immediately.
Product: Debt collection

I wasn't aware of this date Not even the service And I definitely have insurance
Product: Mortgage

Starting in XXXX I began receiving notices that my property taxes were unpaid ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Tx XXXX ). At first I disregarded thinking the mortgage company had paid the taxes but eventually I got worried and call the County Office.  They said the taxes were unpaid. I contacted Dovenmuehle Mortgage regarding this issue ( XX/XX/20 ) and sent them the last tax bill I had received. They did nothing. I have since sent them 5 messages through their website, three emails and called them three times. Each time they said the problem is solved but then I get another bill. Now I got a delinquent Tax Warning from Lawyers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). I just called Dovenmuelhe AGAIN and I talked to a supervisor ( XXXX, who refused to give me her last name but says her employee number is XXXX ) but she refused to send me anything in writing ( not even an email ) acknowledging that they are taking care of the problem. She also refused to give me an extension number or any other phone number of who to call. She says I have to continue calling the call center ( I have spent at least 10 hours on the phone with them this month ). All she said I can do is wait, which is the same thing I was told last week, and the week before and each time I called. I have emailed the company 3 times and also sent them messages through their website ( 5 times ) but I have not received ANY kind of reply. She has no explanation on why ANY of me " secured '' messages were unanswered. In the meantime my credit history is getting ruined and I have a lot of stress from them not paying my taxes. The money is on my account on escrow, so this is NOT a matter of not having the money.
Product: Debt collection

XX/XX/XXXX : I received a letter from Weber & Associates, a debt collection agency, stating that a medical bill from an emergency room visit that I had on XX/XX/XXXX had been sent to them for collections and now owed {$890.00}. I had been trying to dispute this bill directly with the hospital and was still awaiting an itemized receipt from them, so I was surprised to receive a notice of collection already. At this time I was already in communication with the hospital itself. 

XX/XX/XXXX : XXXX XXXX, an employee of Weber & Associates, contacted me over the phone about this supposed debt. I let him know that I was currently disputing it with the hospital and also asked him to explain why I had been sent to collections. Upon learning that I was in the process of disputing the bill, he asked me to send a letter to formally inform Weber & Associates that I was doing this. I told him I understood this and said to expect a letter from me. After this call, I drafted a letter formally asking Weber & Associates to validate this debt and pause all debt collection during this period. I sent this letter through certified mail. 

XX/XX/XXXX : According to the USPS Certified Mail Tracking number, my letter was picked up at the post office. 

XX/XX/XXXX : This is the date of the next communication ( letter ) that I received from Weber & Associates. In this letter, they claimed that I did not dispute the validity of the debt, even though they received my letter clearly stating that I was disputing it. The letter also specified that because of interest, I now owed {$900.00}.
Product: Credit card

SYNCB/XXXX Account # XXXX. received letter from creditor saying that all late payment history has been deleted and there are no delinquencies being reported but when I looked at my current reports All 3 reports do not match. Also there are late payments being delinquently reported in the status of XXXX and XXXX. this is in violation of 15 us code 1681e ( b ) I demand immediate removal of delinquencies and correction of report status.
Product: Credit card or prepaid card

I have an account with farm home that is owned by sincroni bank last month i made a payment and requested that it be applied to the promotional balance. The regular payment was not due at that time. They told me it would take 1 to 2 billing cycles and it would show up. The billing cycle passed i looked at it on line and it did not show a promo balance. Today i tried to use the card and they closed the account saying it was because of my other accounts and too much credit. i had the customer service person check on the promo balance. she said they only applied part of it to the promo balance. Also i can no longer look at the account on line because it says we no longer service your account. The person i talked to typed in a request that the amount be corrected and applied to the promo balance again saying it will take two months for it to happen. She said i should still be able to access on line but i can not it says account is no longer being serviced. I do not get paper copies of the billing. The promo balance is due to be paid off by XXXX billing date which is the XXXX That amazingly enough is 2 months from now. They are trying to keep me from paying my promo balance because they will then charge me interest for the entire original balance. There is no one to talk to except the person on the phone and they have no authority. I need help with this i have tried to pay it off but they are basically refusing my payment. they said they could not send me proof that they had noted it in their system either. They claim there is no way to prove i asked that it be applied i just had to trust that they would apply it properly and as you see they did not. This is very underhanded closing the account so i can not see what is happening with it and not applying the payment as requested. i tried at XXXX other point to pay the promo balance but they did not they will apply XXXX dollars which is not enough to cover the balance by the end of the term that is why i wanted to pay more. It would need to be XXXX each month from now until the promo ends. i feel they are intentionally doing this to get the interest on the promo even though they offered free XXXX on it for 15 months. I held up my end but they are getting away with this an no one is doing anything. i am sure i am not the only one. They should be brought up on fraud charges by someone. I am not the only one they have done this too. additionally i have no paperwork i can attach to file this complaint because when i try to access the account it says they do not service it any longer. please be fast
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I reluctantly called experian and told them the collection company was n't able to provide me legitimate validation of the debt so it needed to be removed from my report. I was told they could n't delete information but would dispute it again. Two weeks later I got a letter saying the item was verified. I then asked what information did they get to verify this of which I was told they could n't tell me. They said the debt collector told them " to the best of their knowledge the debt was verified ''. Experian refused to show me their proof and all experian did was parrot the information which is n't right or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a couple things on my credit report on XX/XX/XXXX and here it is XX/XX/XXXX and they still didnt removed it nor proved that it was mine
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must block these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX  XXXX  Original Creditor : XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX  Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX  XXXX  Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} CAPITAL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX