23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The potential buyers provided all information required by CFPB law to apply for a loan with Sellers ( The XXXX XXXX XXXX ) affiliated mortgage company within the mandated three ( 3 ) days of executing the Agreement of Sale. Sellers affiliated mortgage company did not act timely  and acted improperly by delaying Buyers loan application and said mortgage company now is unable to give Buyer a conventional loan. Section 1 of the Sales Agreement states : in the event Buyer is unable to obtain a commitment for the Loan by virtue of a refusal on the part of a lender to approve Buyers application for credit or eligibility reasons, this Agreement shall be null and void, and the Deposit will be refunded to Buyer. 

XXXX XXXX has refused to return the {$2500.00} deposit and the {$1000.00} selections deposit to the potential buyers. 

XXXX XXXX is a large company taking advantage of consumers.
Product: Credit card or prepaid card

I currently have a consumer credit card issued by Bank of America. At the beginning of the current Pandemic in XXXX, I apparently overlooked a payment due date and submitted my payment a few days late. I paid the balance minus the {$28.00} fee and submitted a letter to the address provided by the card issuer. I specifically asked that this fee be waived due to the extraordinary circumstances of the global Pandemic. In addition, I asked to have my payment date changed to better align with my monthly payday. I received a letter back weeks later form Bank of America that only addressed the change in due date. BofA suggested they couldn't change the date but provided no reason why. In addition, they made no mention of my other inquiry in removing the late charge. I have subsequently paid each month 's balance minus the late change and am still be charged {$25.00} late fees for the month of XXXX and XXXX. I have tried to call their toll free number ; however, the automated system they use will not forward you to a live person unless it fits their prescribed menu options. It also literally hangs up on you if you continue to ask for a person to talk. This Bank has apparently lost focus on what keeps loyal clients and has totally ignored the impacts of Covid-19 from my case.
Product: Debt collection

On XX/XX/XXXX, I received a call from Credit Management, a debt collector, stating that they were attempting to collect on a debt from XXXX XXXX. I explained that I had already resolved this matter with XXXX XXXX under XXXX 's Case number XXXX on XX/XX/XXXX and that I had documentation of this available. I advised that a prior collection agency had contacted me with regards to this, and that I provided the documentation to them and that this matter was closed. I advised the rep from Credit Management that I was willing to provide the same information to Credit Management ; however the representative told me that there was no need to do so, because my dispute had been logged with her over the phone. A letter from Credit Management, dated XX/XX/XXXX also states, " Call or writ us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' This company also states that all of their calls are recorded, when contacted, or when they place a call. Credit Management never provided me with a copy of the results of the dispute that they told me had been started on XX/XX/XXXX. Instead, they filled a report to all three credit bureaus stating that there has been a collection placed by them.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX, Equifax, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX Accounts had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX/24- I was denied XXXX $ in funding due to a credit report that has been locked FOR multiple days. According to the Fair Credit Reporting Act, any practices of abuse and or neglect should be penalized, and recompensation should also be given to consumers. This is my verbal complaint stating the denial of funds that WERE NOT involving XXXX, XXXX, and XXXX.
Product: Vehicle loan or lease

An account with WELLS FARGO DEALER SVC was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Product: Checking or savings account

I have a student account with Regions Bank. I had visited the XXXX, FL area the first week of XX/XX/XXXX for a music festival. Somehow my debit card and pin number were stolen. I did not realize my debit card was gone until after returning to my home in XXXX, TN. There was very little money in my account as I was not working at the time as I was focusing on my high school graduation. Regions contacted me to collect on an overdrawn student checking account. Regions had accepted a counterfeit check, with a forged signature to be deposited and funds withdrawn between XX/XX/XXXX and XX/XX/XXXX. I do not know how my pin number was compromised or my card was stolen but I do know that I did not provide it to anyone. Regions did allow this counterfeit check with a forged signature to be deposited into my student account in the amount of {$4700.00}. Regions did provide a copy of the deposited check and it is not my signature. My account has never had this amount of money in this account. I do not understand why they would have accepted this counterfeit check, with or without a pin number. On XX/XX/XXXX Regions Bank said I allowed my pin number to be used which I did not know anything about. I knew nothing about these transaction taking place in XXXX, FL while residing in TN. The notification from Regions told me to go to the local branch for assistance but they indicated they could do nothing and suggested filing a police report which I did with the XXXX, TN police department to have the case reopened. I filed my police report and sent an appeal to the finding. the appeal was faxed on XX/XX/XXXX to XXXX. I have not received any notification regarding the appeal. Regions did takes funds from my grandparents ' account and my uncle 's account as my grandmother had to supply her social security on my account because I was a minor when it was established. They took over {$2200.00} form my grandparents account and over {$300.00} from my uncle 's account and they found out when attempting to use their accounts. 
I really need some help. Regions continues to call and attempt to collect over {$2000.00} dollars for a counterfeit check that should have never been allowed in my account. I start college in a couple of weeks and have no such funds available. My grandparents had to go borrow money. I really feel Regions should have caught this activity based on the fact this is a student account that has never seen this type of activity. While I understand the pin number was used, I did not know it was stolen and had no knowledge of this activity. If I had {$5000.00} in the bank and it had been withdrawn using the pin number, I would feel it may be my fault. When Regions allows a counterfeit check to be deposited, I feel they are responsible for that.
Product: Debt collection

My credit report is showing a collections, from Midland Credit Management XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are on my report that resulted from identity theft. I have notified TransUnion and provided my identity theft report but the accounts are still on my report.
Product: Debt collection

sent a cease and desist dispute letter on XX/XX/year> asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Product: Debt collection

I have sent letters via certified mail to Pioneer and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( Pioneer ) Additionally, both companies are double reporting on my Credit Report!!!
Product: Mortgage

I originally applied for loan modification, but was denied, then I agreed to a repayment plan and the rep ( XXXX XXXX ) who is RM on file and he said he would get the repayment plan approved by his manager and get back to me. 20 days later still have not heard from him, I called several times left message and other reps in the department said he would have to help me, then took his manager number who is XXXX XXXX, left her message and still havent heard back. They are very unprofessional, my loan is in foreclosure accruing more fees everyday but yet no one cares to return my call and help me get out of deafult.
Product: Credit reporting or other personal consumer reports

I did not give permission to this company to have this report. 
You have no legal authority or permissible purpose to place any account in my consumer reports pursuant to 15USC 6802. 

XXXX Department of Education loan servicing Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

This complaint is regarding American Express Membership Rewards program. 

On Tuesday XXXX XXXX, 2019, I tried to transfer some points to an airlines company, hoping to redeem points for a flight. At the last step, Amex website told me my points are not available because my account is being reviewed. 

I have had my card for several years. Amex did not notify me of the unavailability of my points at any time. The fact that I only know my points is useless when I need them is a clear violation of their terms of service.
Product: Mortgage

I had water damage to my home. My insurance company wrote a  two pa rty check made out to the lender and myself. The lender deposited the funds into their account and wo n't release them to me. After months of meeting their demands for proof the damage was completely repaired and the contractors paid in full, the lender still has my money and is not releasing the funds.   The loan is current and paid as agreed.
Product: Vehicle loan or lease

I recently received a car loan statement from Bank of America, the bank sent the letter on XX/XX/XXXX. This statement shows that I have a total car loan of XXXX, and the bank wants me to pay XXXX  by XX/XX/XXXX. I am a new immigrant who does not speak XXXX. I have never applied for any auto loans, nor do I have any accounts with Bank of America. I am convinced that someone is using my personal information to commit loan fraud and Bank of America has made loans to unknown people in my name without any direct authorization and consent from me. Therefore, I absolutely do not approve of this loan, and I have no responsibility or obligation to pay off this loan. I have also reported this to Bank of America.
Product: Bank account or service

I signed up in branch for the {$400.00} checking account bonus and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The code was CZPE. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving closed out, inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am sending this to you today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve this problem. 
I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

My loan has an unknown ecrow payment increase that resulted in a {$400.00} increase in my monthly payments. It has forced me to apply for a new loan with an increased payment just to avoid losing the home. This all occurred when my loan was bought by Mr Cooper and there are new notices of hazard payments that I do not recognize without any details of these increases itemized on my statements. I have reached out to my insurance company as well to research this but Mr Cooper states forced hazard insurance is not removeable.
Product: Checking or savings account

My adult child passed away on XX/XX/XXXX. As we were grieving, we did not attempt to settle the estate until XXXX of XXXX. There were three financial institutions we had to contact to request account closing and estate assets. Two of the organizations released our son 's assets to us with minimum back and forth. The third organization, Money Network, received the same documents but has not released our son 's funds as of XX/XX/XXXX. 

I first wrote money network on XX/XX/XXXX, submitting the standard documents needed for claiming assets for an estate in the state of Colorado. This included a notarized affidavit, an original copy of the death certificate, a written request, and a copy of the account statement. 

I received a reply from Money Network dated XX/XX/XXXX. The form letter indicated several things : 1 ) they had received my written request, 2 ) they had the original evidence of authority ( the affidavit ), 3 ) they did not have a copy of my government issued id, and 4 ) they had received the certified death certificate. The document notes that I have satisfied three of their four criteria and that they just needed a copy of my id. This was comparable to my experience with the other two institutions. 

I sent them another letter on XX/XX/XXXX with a copy of my driver 's license. 

I received a reply from Money Network dated XX/XX/XXXX. This was the same form letter that I had previously received. The newest version showed that I had provided a government id copy, but also indicated that they did not have original evidence of authority - directly contradicting their previous letter. A note attached indicated that they did have the affidavit, but stated that it was not signed. 

The original affidavit I sent them is a one page document with two sides ( signatures and notarization on reverse ). I do not understand how they claim to have the document but not the signature. 

I sent them a final letter on XX/XX/XXXX. It explained my experience to date and included a two-sided copy of the original document. As I thought this may not be enough as it was just a copy, I also had a new affidavit signed and notarized so that they would have a fully executed original version ( if they had lost or damaged first original ). 

As with all my correspondence with Money Network, I  sent the letters through the US Post Office with tracking. On the USPS website the tracking number shows that my XX/XX/XXXX letter to the Money Network was delivered XX/XX/XXXX at XXXX XXXX and was " left with an individual ''. 

I have not heard from Money Network since XX/XX/XXXX. I should note that earlier this year ( or late last year ) Money Network sent a notice indicating that the account was being converted to a fee bearing account. As my child is deceased and there is no activity on the account they are now charging {$5.00} per month in maintenance fees. I continue to receive statements from Money Network on this account ( our son lived with us and had the same address ), including the last one dated XX/XX/XXXX. They continue to deduct this fee each month.