23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America closed my credit card account due to no purchase activity for 24 months. The credit limit was ~ $ XXXX and factored into my overall credit score calc used by XXXX. I found out about the issue through a text and email from XXXX XXXX asking if I intentionally closed an account. When I attempted to investigate and access the Bank of America app on my phone, the app told me it was " temporarily unavailable, try back soon ''. I then called B of A to investigate further, and they simply read their script that they had sent an email prior to closing and they would not undo the decision, and my only option is to apply for a new credit card with a hard-pull credit check ( all options presented by BofA would XXXX and further deteriorate my credit score ). I escalated to XXXX levels of management, and none of the employees were helpful. I shared with each of them that BOA sent me XXXX solicitations over the past 6 months so that volume created a junk mail status and sorted accordingly. I shared with them they also send me text messages and app notifications frequently and that would have been a better way to inform me that activity needed to occur to retain the account, though none of those methods are used by BofA for this scenario. Sending two, non-descript spam-like email is all BOA does to alert their customers in this instance and that is entirely shocking given the ability and authorization to text and use their app to communicate with me. The impact to me in this instance was a drop in my credit score as notified by XXXX XXXX.
Product: Mortgage

We have a escrow account from our insurance check the mortgage company who cashed the insurance check they will not send it back to us to get our home repairs done we already had repairs done and that ccompany is waiting to be paid but the mortgage company will not give us the money back to pay the roofing contractor after they completed the work all documents have been sent to newrezllc it's a nightmare dealing with this company we need to know if we should contact a lawyer at this point.
Product: Mortgage

In XXXX 2015 I signed up for a reverse mortgage and was told that when I signed up that I would be grandfathered in before the new laws were to come into effect. I and my wife signed a contract on XXXX XXXX and did the XXXX counseling on XXXX, 2015. However, after all the paperwork was completed they decided to rewright the contract under the new laws. This put me in a bind because we would have to start all over again. Plus the agent told us to save our mortgage money and now we are behind in XXXX, 2015
Product: Debt collection

Midland Debt Collection Company is trying to collect a debt that I have never signed a contract with them. They have purchased my debt from a company that sold it to them. They have been harassing and threatening to bring me to court.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting

Experian is in violation of the FCRA. We have contacted each individual company via certified letters without method of verification or any viable evidence that these accounts are being correctly reported to you. Since the letters were sent out on XXXX XXXX means that you have failed to report correct information on my report. The section reads : FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I have attached a copy of my credit report and highlighted the accounts and a copy of the lawsuit you are named in the event that these issues come off of my report. Please remove the highlighted accounts from my report. 

Please refer to Case number : XXXX. You have failed to provide me with the proof that the inquiries listed belong to me or to someone else. You also failed to respond to my rebuttal of the dispute within 15 days. There is a {$1000.00} fine for each occurrence. That adds up to {$16000.00}. We will be seeking this amount in damages. 
Here are the inquiries in question once again. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/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: Debt collection

I think it was Procollect on behalf of a rental company. I had received no notification for the two years after living at a location about the debt, so I had no idea that there was a debt owed. The company waited 2+ years before suddenly contacting me via phone, refusing to disclose the nature of the call. I believe they waited to notify so that the charges would double and they would receive a larger cut. I was able to rent different locations after the one in question. I had no issues. Then suddenly, they reported me for a housing debt and said they would not allow me to question the debt or have an itemized list for it within a reasonable timeframe. They were rude and abusive and when I began to panic over homelessness they only doubled down on me not having any other choice. I am down {$1400.00} when the alleged debt prior was only around {$700.00}. Had I known of this debt years ago I wouldve just paid it. I am so unbelievably frustrated. 

These conversations occurred during XXXXXXXX XXXX XXXX. Prior to these interactions, I received absolutely no communication from the debt collectors or the leasing agency.
Product: Debt collection

My wages are currently being garnished from a charge off on my credit card back in XXXX. The original creditor was LVNV funding LLC, which was taken over by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The original complaint was filed on XX/XX/XXXX, and my case was taken over by two judges since then. I received a letter in the mail on XX/XX/XXXX, informing me that my wages were going to be garnished from my job. The letter contained information that XXXX was notifying me that a Writ of Garnishment has been received as of XX/XX/XXXX. During the period of the two judge transfers starting on XX/XX/XXXX, no action was taken. My question is I never heard anything until just recently that the case was reopened after five years. Why am I being garnished after five years of no contact? They are wanting {$9200.00} when the last amount of charge off was {$5700.00}. I'm not sure what to do at this point. The amount of {$180.00} has been garnished from my XX/XX/XXXX paycheck. I can not afford 25 % taken from my paycheck every two weeks when I only make {$2200.00} a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint # XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX XXXX XXXX Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). As you know, it is also a violation of the FCRA to report this type erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report. I also requested investigation with another bureau, XXXX. XXXX requested verification using XXXX XXXX XXXX which is the only legitimate alternative to asking the court for verification. I am attaching proof that XXXX performed its verification and after confirming this information was inaccurate XXXX  immediately deleted this Bankruptcy from my XXXX  report. XXXX has also verified there is no negative public record either. See attached screenshot from their website I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian.  

I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURTXXXX XXXX XXXX Number : XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX Child Support Account # : XXXX XXXXXXXX XXXX Child Support Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) Account # : XXXXXXXX XXXX Account # XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Student loan

Much like XXXX, it appears as if FedLoan Servicing systematically cheats student debtors by taking shortcuts to minimize its own costs. Upon information and belief, FedLoan Servicing unlawfully steers struggling borrowers facing long-term hardship into payment plans that temporarily postpone bills rather than helping them enroll in plans that cap payments relative to their earnings. The latter option promises debtors the possibility of debt forgiveness after years of steady payment. The former raises the possibility of a financial time-bomb.
Product: Credit reporting or other personal consumer reports

XXXX was tasked with investigating and running disputes for XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly and being put in XXXX hold for 1 hour I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from Experian 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and XXXX only admitted to not running disputes at FCRA standard as prev
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681b - Permissible Purpose of Consumer Reports : I recently reviewed my XXXX credit report and found several late payments and derogatory entries. These entries appear to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, which outlines the permissible purposes for obtaining and using consumer reports.
Product: Vehicle loan or lease

I am submitting this complaint regarding a charged-off auto loan that has been reported on my credit by Regional Acceptance CO . The account was marked as a charge-off in the amount of {$29000.00}, and I was not properly notified of the charge off or provided documentation explaining the balance or circumstances leading to it. 

To date, I have not received a full accounting of the debt, nor any communication from the lender prior to the negative reporting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit reports, and I believe this tradeline may be inaccurate or incomplete. I have also not received an explanation of how the amount was calculated or if any portion of the vehicle was repossessed, sold, or credited toward the balance. 

I am requesting that the CFPB assist in investigating this matter and ensuring the lender complies with federal regulations. Specifically, I would like the following : XXXX. Full documentation explaining the charge-off, including an itemized statement showing how the balance was determined ; XXXX. Verification that proper notice was provided to me before the charge-off occurred ; XXXX. Removal or correction of the account from my credit reports if it can not be fully validated. 

This charge off is significantly impacting my credit and financial stability. I appreciate your assistance in reviewing this matter and ensuring that my rights as a consumer are protected. 

Sincerely, XXXX XXXX
Product: Credit card

There was an application for a credit card from First Tech Federal Credit Union. I spoke with a man named XXXX who said the womans name but no address or anything else. It was a California branch.
Product: Credit reporting, credit repair services, 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, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX 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 XXXXXXXX, 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 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: Checking or savings account

On XX/XX/2022, I deposited a check from XXXXXXXX XXXX XXXX XXXX in the amount of {$2500.00} to my checking account. Part of the money was supposed to be used to purchase an item I was selling to a buyer. I asked the teller if the bank on the check existed. He looked it up and said that it did. I waited until the check posted to my account ( i.e., funds were available ) on XX/XX/2022. That evening, I made an electronic transfer to an outside account via XXXX in the amount of {$2000.00} ( minus the price of the item I sold ). Today, XX/XX/2022, I learned that the check amount of {$2500.00} was being debited from my checking account as the check had been labeled " stop payment ''. I know that I was scammed, but I feel that the bank misled me into believing that once a deposit has been posted and the funds made available to me, it was up to the bank to discern whether or not to accept a " stop payment '' and return funds to the bank upon which the check had been written. It was not stopped because of insufficient funds.
Product: Mortgage

Worked with a Mortgage Broker for New Penn Financial to finance a home through FHA since XX/XX/XXXX. Received a pre-approval letter XX/XX/XXXX contingent on credit, income verification and proof of closing funds. Found a home and entered into contract XX/XX/XXXX with an extension to close on XX/XX/XXXX per Seller 's request. On XX/XX/XXXX, after being on three weeks of leave the Mortgage broker states HUD declined application because I was never qualified to begin with. Lost Escrow Down Payment because Mortgage Broker failed to furnish commitment letter/Loan Approval within 30 days of contract. Lost Home Inspection and Appraisal as I never would have paid for these contracts had I known I was not qualified. I was promoted XXXX officially XX/XX/XXXX which is less than one year requirement for income data. Per mortgage broker HUD stated they would have made a 6 month XXXX s ) exception therefore it was no surprise of my financial situation. I had everything on track to close even saving twice the closing cost only to find out I was never qualified. I sent a certified letter requesting reimbursement of money lost and have yet to receive acknowledgement of receipt of letter. Please help.
Product: Debt collection

Amerassist AR Solutions is collecting for a medical unknown medical debt in the amount of {$180.00}. They have not provided any legal documentation to prove that I owe this debt such as a legal contract bearing my signature, a copy of my ID, a calculation of the debt and who it was calculated by. They have reported this to the credit bureaus and have no gotten a response in over 45 days.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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

Transunion : XXXX XXXX XXXX missed payments. I was never late. 
-XXXX not my credit card -XXXX XXXX  not my loan -XXXX  XXXX XXXX XXXX not my loan -Collection : XXXX XXXX XXXX XX/XX/22. {$170.00} not my account XXXX XXXX opened XX/XX/22. XXXX : not my card