23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am filing a formal complaint against Credit Acceptance Corporation and their agent, XXXX XXXX XXXX, for predatory lending, improper notification, and mishandling of my personal property during repossession. 

Complaint Details Predatory Loan Terms : My loan carried an excessive 22.99 % APR. After two years of payments, my balance remained at {$15000.00} due to unfair interest allocation. 
Improper Notification : Repossession notices were sent to an outdated New Jersey address, denying me my legal rights. 
Unlawful Repossession and Property Mishandling : XXXX XXXX XXXX charged me {$35.00} in cash to retrieve my belongings but refused to let me access my debit cards in the car. 
My belongings, including laptops, Social Security cards, and my birth certificate, were thrown into open bins in the rain, damaging them. 
I was threatened that my property would be trashed if not collected immediately, leaving me stranded to borrow money for emergency transportation. 
False Reporting : My car was falsely labeled as undrivable, despite being fully functional.
Product: Mortgage

We bought our home in XXXX of XXXX. The loan servicer for both the primary loan and the HELOC was Flagstar Bank. On XX/XX/XXXX, I received a letter from Flagstar that our mortgage was being sold to XXXX XXXX ( XXXX XXXX ), effective XXXX XXXX XXXX The letter further stated that all ACH/auto-debit payments would be canceled after XX/XX/XXXX. Per the terms of the goodbye letter, I set up payment arrangements with XXXXXXXX XXXX  and made my XXXX mortgage payment. I later discovered that Flagstar debited my bank account on XX/XX/XXXX for this mortgage they no longer owned ( a fact not discovered until after I set up my XXXX XXXX payments and nearly caused my account to overdraw ). Several people I spoke to at the bank, including XXXX XXXX in the Office of the President admitted that they made a back office mistake. However, instead of refunding the money back to my bank account they instead, without my permission, wired the money they illegally took to XXXX XXXX, causing me to double pay my XXXX mortgage payment. When confronted with this, they told me that I had to be the one to try and get a refund from XXXX. I pointed out to them that I did not authorize this payment or sending it onward and that furthermore, it was not my responsibility to fix an error that they themselves admit to having made. I was basically told " Too bad. The money is gone '' and that they would not assist me further.
Product: Checking or savings account

I am a Bank of America Customer with a checking account with the Bank. I wrote a check dated XX/XX/2022 to the Los Angeles County Tax Collectors office ( LACTC ) to pay my property tax in the amount of {$14000.00}. This check posted/cleared on XX/XX/2022. I reviewed my statement online a few weeks later, and everything from the face of the check was in order, as were all the other items on that months statement. However, on or about XX/XX/2022, I received a notice of delinquency from LACTC. That notice of delinquency was the only way I couldve reasonably determined that there was a problem with the check and that it had been stolen in the mail or by someone at LACTC. I immediately contacted Bank of America on XX/XX/XXXX or XXXX, XXXX and spoke to a customer service rep named XXXX. XXXX advised that the issue was most likely a misallocation mistake by LACTC, as a random individual can not simply take a check written out to LACTC and cash it themselves, according to XXXX. I then proceeded to navigate the bureaucracy at LACTC, and on XX/XX/2022 LACTC informed me that they definitively determined that they never received the check. I then immediately on XX/XX/2022 called Bank of America to file a forgery claim on that check with the Bank. They took my initial information and assigned me a claim number. ( XXXX ). After that, Bank of America never contacted me despite my numerous status inquiries. They never asked me for more information or to fill out any paperwork. They simply summarily denied the claim 90 days after my claim was filed, on the grounds that my claim was outside of the 60 day reporting period for fraud claims under the banks terms and conditions, and implied through boiler-plate language that I was somehow negligent. 

Bank of Americas denial is completely incorrect and in bad faith. First of all, California Commercial Code section 4406 ( f ), which governs here, provides that there is a one year reporting period for forged/non-endorsement claims such as this as opposed to check fraud. Second, theres no way I could have determined there was a problem with the check within the 60 day period as described above. Additionally, I was not negligent, but was victimized by a crime. Finally, Bank of America was negligent forp posting this check without an endorsement and providing no scrutiny. The bank manager at my Bank of America branch subsequently informed me that there are many identical cases involving checks written to LACTC being stolen in the mail and then deposited with forged check endorsements. She said its a big problem right now and that the Bank is aware of it. There are no other instances of check fraud/forgeries in my account this year or for the several years preceding.
Product: Credit reporting or other personal consumer reports

My credit profile contains inaccurate information, which is unfair to me. I request that you investigate this matter and correct it. I am really sick and tired of these problems. If there are no updates on my inquiries, I will go to court.
Product: Money transfer, virtual currency, or money service

I was supposed to pay a vendor from my business checking account. Our assigned project manager usually send me an email how to send a payment. I received an email from project manager to wire the money to the vendor. I wired $ XXXX on XX/XX/2023 as per the instructions attached in the email. I came to know after 10 days that the vendor did not receive the wire. Once investigated, it turned out the email of our project manager was hacked and an email sent to me with wire instructions was a fraud. I sent money through my bank to the fraud account. I opened a case with my bank ( XXXX XXXX ID : XXXX ). They investigated and tried to get the money reversed from the beneficiary bank Navy Federal Credit Union but the beneficiary bank refused to reverse the money. I got fraud for $ XXXX and have the proof but my bank XXXX said they can't do anything. Please help to investigate since the beneficiary bank is located in US.
Product: Checking or savings account

In mid XX/XX/XXXX, I tried to make a routine wire transfer ( 4x yearly of XXXX XXXX the account balance for the past 3+ years ) to an overseas account, also in my name. Discoverbank changed the wire process midway through my transaction. They called me and asked me in real-time to click on a random link in a text message from an unverified phone number and upload images of my SS card, drivers license, passport, and birth certificate. Some of these items are not easily accessible, but more alarming was the fear that I might not be speaking to a Discoverbank representative at all, after having already provided similar identity information ( last 4 social, mother 's maiden name, birth date, phone number, voice recognition, etc ). I declined to click on the link, explaining that I was uncomfortable doing so and that I would call back at a number that I knew. When I did so, Discoverbank confirmed that this was indeed the new wire process. The new verification process was not disclosed in any documentation or the official wire request form, which I noted during that call. I became upset at the distress this caused me and the idea that Discoverbank might be training consumers to be future victims of identity theft ( by normalizing requests to provide sensitive documents to a caller ). Why wasn't this handled through their secure portal like all other documentation? I lost faith that Discoverbank has good practices in place. I told the representative that I wanted to cancel the wire because I was taking my business to a different bank. The Discoverbank wires team promptly retaliated by freezing my bank account and my credit card. I did not discover the full extent of this until my bills went unpaid and I phoned back. My bank account, which was opened in XXXX ( credit card account in XXXX ), remains frozen at the end of XX/XX/XXXX. I have not been told if a XXXX was filed, I have no debt judgements against me, and I do not suspect identity theft. I have received no alerts or communications from Discoverbank regarding this matter. I have asked for, but not been provided, clear instructions on how to resolve the issue. And my request to close my bank account has been denied.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for myXXXX XXXXXXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have my personal & financial credibility attacked by all three credit reporting agencies
Product: Mortgage

This is in response to your letter dated XX/XX/XXXX. 
You stated in your letter you were under no obligation to accept this modification offered by Bank of America in XXXX. It took Bank of America XXXX to review my request for modification, but only gave me few days to sign and return the modification documents. Bank of America put pressure on me to sign by giving me limited time and stating that foreclosure sale date was set for XX/XX/XXXX. I did sign the modification without getting any legal advise and under duress. 
XXXX ) Even if the loan/property was originated as investment property in XXXX. I had informed Bank of America that XXXX XXXX XXXX XXXX CA XXXX is owner occupied primary residence in XXXX of XXXX. This notification was done several times over the phone and in writing via fax that Bank of America also have in their records ( see attached ). 
The fact is that Bank of America knew that XXXX XXXX XXXX was used as owner occupied primary residence in XXXX but fail to process the modification under XXXX or XXXX program. Bank of America keep delaying the modification request by losing the documentation or claiming correct documents were not received for months. I had several conversation in XXXX & XXXX with Bank of America representative who keep giving me run around. 
XXXX ) For Loan number ending in XXXX you mentioned it was approved for Bank of America loan Modification. Can you please provide me complete copy of the Guideline/rules under which this loan modification was approved. 
XXXX ) At this time I am requesting Bank of America provide me copies of all the notices and statements required under the law ( TILA, RESPA, XXXX & XXXX XXXX ) since the origination of the loan till today on loan number ending in XXXX. 
XXXX ) I am also requesting Bank of America to provide all the notes and documentation regarding my loan ending in XXXX including but not limited to loan modification or short sale request in XXXX & XXXX. 
XXXX ) I have reported this account under dispute and under FDCPA it should not be reported delinquent until the dispute is resolved, since it will also be violation of Regulation Z. Bank of America should also refrain from threats of any kind including but not limited to Foreclosure of my home. 
XXXX ) I am also requesting Bank of America to provide the name address and phone number of the Investor ( XXXX ) of the loan ending in XXXX from XX/XX/XXXX till now. 
In an effort to resolve the dispute, I am requesting Bank of America to review my account and correct the error and adjust/reduce my balance for loan ending in XXXX as it should have been done in XXXX based on XXXX & XXXX XXXX XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago, I decided to take charge and purchase a home for my family and was told by close friends to pull my credit reports ( which I had not checked or done for several years prior ). Once I pulled my FICO scores and checked my VantageScore with XXXX XXXX I was shocked to see such a low score and delinquent accounts under my name and social security number for my TransUnion report. Over the course of several back and forth disputes done following the full dispute process and submitting identity theft and police report and having it approved, I got most of those fraudulent and delinquent accounts off my TransUnion report. However, two charge-off accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of which I have never opened a credit card with. Both those accounts were opened fraudulently, without my consent or knowledge and used and destroyed my financial reputation without me even knowing. I am frustrated beyond explanation as I have continued to send disputes to TransUnion to delete the accounts from XXXX XXXX XXXX and XXXXXXXX XXXX as they are not mine and I have supplied plenty of relevant and supporting documentation in order for those fraudulent accounts to be removed as it is identity theft and I have sent TransUnion that identity theft report prior and they have done absolutely nothing to delete the information and block it from being re-reported according to FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report it shows that I have two mortgages. I have one Mortgage with XXXX XXXX ( XXXX ) who services the loan. XXXX was the originator of the loan. I've called XXXX and they said it should only show one mortgage. But it shows two mortgages with a total of {$560000.00} balance. I have one mortgage with a balance of {$230000.00}. I can't get my home refinance because of this mistake. Need it updated ASAP!! 

Also on my XXXX, I had a personal loan with XXXX XXXX that I paid off in XX/XX/2020. XXXX  and Equifax are reporting the correct information as being closed XXXX balance. XXXX  hasn't updated there report since XXXX and it's now XXXX. They are showing a {$3500.00} balance. Please update ASAP!! 

Equifax is not reporting my mortgage and my FICO score is hurting because of non reporting of mortgage. XXXX XXXX said that they send there updates to all 3 bureaus. Equifax needs to update my report ASAP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with Experian, XXXX, XXXX, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute against XXXX for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my efforts to dispute inaccurate and/or unverifiable accounts, XXXX has failed to properly investigate, leaving erroneous information unresolved. 

The CFPBs recent lawsuit against XXXX highlights systemic issues that align with my experience, including failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and inadequate notification of dispute outcomes. My attempts to resolve this matter directly with XXXX have been unsuccessful, and I am now seeking regulatory intervention. 

I request that all disputed accounts be removed from my credit report immediately, as they are either inaccurate or unverifiableXXXX XXXX continued failure to comply with FCRA requirements is negatively impacting my financial standing, and I urge the CFPB to take appropriate action to ensure compliance. 

Attached, you will find copies of my dispute letters, supporting documentation, and XXXX responses ( or lack thereof ) for your review. 

Thank you for your time and assistance in this matter. Please contact me at your earliest convenience should you require any additional information.
Product: Checking or savings account

5 transactions in claim {$620.00} PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XXXX/XXXX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$44.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$62.00} XX/XX/XXXX Wells Fargo bank said I made the purchases but I did not said my pin Was used but I did not make these purchases. My account had been compromised and they have caused me hardship with my finances. Wells fargo is performing unfair practices to consumers who file complaints about their funds being used when the account has been compromised. Wells Fargo Bank accused me of filing a false claim during the loss of my son when my account was compromised. I would like my funds to be returned to my account
Product: Payday loan, title loan, or personal loan

They continually call me at work after I have told them at least 6 times not to. This could cause me problems with my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries do not belong to me
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my filXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXXl XXXX. 
opened XX/XX/XXXX I had XXXX 3 weeks after transferring jobs. my previous employment I had insurance, and did n't receive insurance for 90 days at the new job. I was eligible for XXXX insurance but they did give it to me. 

XXXX XXXXs XXXX XXXX opened XX/XX/XXXX I gave them my proof of insurance but they did except it..
Product: Bank account or service

I was offered back in XXXX a 4.0 % rate refinace by Bank of America, I got the paperwork to signed and the rate was fine at 4.0 % ; after a few weeks they raise the rate to XXXX without telling me. I called them and they said they had made a mistake and now rate had change to XXXX and there was nothing they can do, and that if wanted the loan it was going to be XXXX. I do not think that is correctm
Product: Credit reporting

I wrote to Equifax to have an error on my credit report corrected. I had an auto loan with XXXX Bank, all payments were made on time and paid as agreed. Equifax is reporting erroneous information regarding this account, there have been no late payments. In response from Equifax I received the attached document. It has another person 's name and credit information. Equifax did not address the errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letters to Transunion over the course of 60 days. I'm trying to get this junk off my report and no reply from Transunion that is violating my right with the FAIR CREDIT REPORTING ACT. 
I've never lived at any of the addresses or had any of the telephone numbers listed on my report. My family I owned a piece of land and has so since I could remember so them addresses need to be removed off my report. Inside the letters I sent included my ID my SS card and a bank statement confirming my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.