23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It's been More the 30 days this letter was send out and haven't hear from your company. Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. all 3 account 1 ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Report # XXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, RE : XXXX XXXX/Account number XXXX I am demanding the following late payments be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15usc1666b- late payments 15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me.

PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Discover Financial Services asked to provide a proof of identification on my credit card account and I uploaded a form signed by an notarized bank officer but still they closed my account without any further notification or warning and I'm trying to get the reason for that from past year. I even mailed them but they are not giving me the clear explanation. I then further sent them a mail aswell however the reply was a computrized one stating the account has been closed and no reason was provided again. Because of that my credit score got hit by XXXX points. It is creating problems for me as I'm an international personnel and with this initial issue my history is being impacted which will create hindrances for me in long term.
Product: Credit card or prepaid card

Despite being protected by the Servicemember 's Civil Relief Act ( SCRA ), American Express ( AmEx ) has erroneously assessed renewal fees onto my account twice this year. 

The first instance was on XX/XX/XXXX, in the prorated amount of {$31.00}. I contacted AmEx and explained that I was a XXXX XXXX who served on federal active-duty orders ( Title 10 ) for over 30 days in length, from XX/XX/XXXX through XX/XX/XXXX. I further explained that XXXX eligibility extends one year beyond the end of the eligible service. So, my covered period would've been extended to XX/XX/XXXX, which contains the date in question. Instituting a renewal fee is therefore a violation of the XXXX. I opened a case with AmEx for them to review the situation, and after numerous follow-ups, I was incorrectly told that I was not protected under the SCRA. 

The second instance was on XX/XX/XXXX, in the amount of {$95.00}. I'm a XXXX XXXX currently serving on federal active-duty orders ( Title XXXX ), which began XX/XX/XXXX. Since I'm currently serving on federal active-duty orders over 30 days in length, I'm protected under the SCRA. It's indisputable that I should not have been assessed this renewal fee, and that the fee was applied in violation of the XXXX.
Product: Mortgage

XX/XX/XXXX I I had to fill a application for special assessment as legal residence. XX/XX/XXXX I did that and XXXX. County mailed me a check for Back Taxes paid I called Rishmore I gave them permission to draft out the check from XXXX County to pay back escrow account my check amount was XXXX confirmation # for payment is XXXX. I talked to. A person named XXXX would not give me last name told me to send this year tax assessment and they will fix the monthly payments.the tax payments were XXXX last year. and now XXXX are XXXX On XX/XX/XXXX they applied it to house payment. I called them again. And they said they had not filed it right and once more tried to put it in as a house payment. They have not fixed this problem and I keep asking for a supervisor and I get no supervisor. I have no clue what my monthly payment should be. the actual payment was XXXX and they can not give me a reason to try to. Charge me XXXX. The taxes are less they have said it's a mistake on their part. And they would expedite this Asap. I CALLED again they told me they put it in a house payment I dont have to pay till XXXX. I told them Again stop putting my escrow in the principle payment. Again I was told they would expedite it immediately .they gave me false address to mail tax bill. And gave me a name XXXX phone XXXX. If you call. XXXX 's not there. Please help me. No one in that company will update the monthly payment correctly and want to force me to pay a higher monthly payment. I can not afford a higher payment. And I even had A mortgage broker to talk on a 3 way call to explain the issues and they never corrected it and continue convey to me it's their fault.but no resolution.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TransUnion & XXXX XXXX report and I noticed some inaccurate information posted on my consumer 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 BALANCED {$8100.00} Update/Delete the above inaccurate accounts from my consumer report, this agency is in violation of 15 USC S1681 .
Product: Money transfer, virtual currency, or money service

I filed Complaint ID XXXX on XX/XX/2021 against Wells Fargo Bank XXXX I received a response from CFPB on XX/XX/2021 advising that my complaint had been closed because Wells Fargo Bank has responded. Wells Fargo 's response was that they could not help me and there was nothing more they could do. This is unacceptable and I want a further investigation into the crime that Wells Fargo has committed. On XXXX  XX/XX/2021 I wired {$81000.00} to a Wells Fargo account number. I had included a beneficiary and memo. The beneficiary on the account DID NOT match the beneficiary on my wire transfer. On XXXX  XX/XX/2021, I confirmed with Wells Fargo that my money was received and was placed on hold. I was advised on that call that I would be getting the money back. I was advised that because my money was put on hold that it would be transferred back to my bank, XXXX XXXX. I still have not had my money returned and Wells Fargo has provided me with this information : The account that I sent money to was flagged for fraudulent behavior and their relationship with the customer was terminated. Wells Fargo used the {$81000.00} that I wired into this account to indemnify another customer that was scammed by this account. Wells Fargo committed a crime of conversion by taking the {$81000.00} that could be traced back to me to send to another customer. I would like CFPB to look further into this before just closing the complaint.
Product: Debt collection

I was looking over my credit report today and I noticed that an inaccurate account listed by Recovery One LLC now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

I would also like for recovery One LLC to provide me with a copy of my signature with the original provider giving permission to share my medical information with this company. I have no knowledge of this account so I would like to see original docs including my signature. Please cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian unauthorized inquiries Experian XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX  XX/XX/XXXX Phone XXXX
Product: Credit reporting

Equifax reports that there is a judgment against me in XXXX Municipal Court. It has affected my credit score to the detriment. I have written Equifax about the inaccuracy with the name difference. I finally filed in court to have this judgment vacated due to identity theft while I was overseas. The court vacated this Judgment as indicated by the attached and should be removed from my Equifax file.
Product: Mortgage

Have be working with Sierra Pacific Mortgage on assuming an existing mortgage for over a year. I found out today that I was not talking to Sierra Pacific Mortgage directly but to a loan serving company for them. XX/XX/2019 and XX/XX/2019 sent loan package to " XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX ''. Their Corporate offices are in XXXX, CA XXXX that I found out today. I applied twice to the XXXX XXXX address and was charge a {$900.00} ea time to assume the existing loan and was denied both times. I called the corporate office today to see if a refi of the loan will be a better option and explained my experience with their Special loan dept about the assumption. That is when I found out that no Sierra Pacific loans are assumable and they do not have a Special loan dept. For a hole year I was talking to? Have all the documentation, was told after I assume the loan It would not be assumable again.
Product: Mortgage

On or about XX/XX/19 made a payment which made my Loan to Value ratio 78 %. The significance of this means that the PMI should come off of my payments moving forward. I have sent several emails to the company and they refuse to acknowledge me, leaving the PMI still on my upcoming payment.
Product: Vehicle loan or lease

I had a loan with Bank of America about 3-4 years ago, due to becoming unemployed for a year I was unable to make car payments which forced me to return the car to the lender. I received docs showing the car was sold but way under pay Ans it showed a balance then later I noticed that the acct was charged off. I never received any attempts to collect or make any payment arrangements, its been difficult the last few years specially after COVID. Ive been attempting to start my photography business going to increase and improve income for me and my family. Last week I had an accident with my equipment and my renters insurance send me funds to fix it. The funds were transferred to my savings acct to fix the issue and Bank of America too the funds. Just found out they took it for the charged off loan. Im not too happy of the way things were handled they did not attempt to contact me. Notify me or make any arrangements. They forced me to make an arrangement now which it will be difficult since my gf still unemployed due to COVID but they didnt care. They said that I agreed to that back in 2005 when I open the bank acct with them.
Product: Mortgage

Real Time Resolutions ( RTR ) has accrued over {$22000.00} in deferred interest on the XXXX loan on my primary residence, which Im preparing to pay off. They concealed this accrual until I requested a payoff statement, as it never appeared on any of my periodic statements. I was given to understand that they are not allowed to do this on a loan that was discharged under a XXXX  XXXX bankruptcy filing. The principal amount is {$30000.00}. 

I've already spoken with Real Time Resolutions on this matter on XXXX XX/XX/XXXX, but they would not provide any information that's not already on the payoff statement. 

I've been trying to find an attorney who can advise me on this, but expertise in this area has proven scarce.

My questions at this point : ( 1 ) Are there any circumstances under which a lender can continue to accrue deferred interest on a loan that was discharged in XXXX  XXXX bankruptcy? 

( 2 ) IF YES, does the 2nd loan on a primary residence fall within the legal envelope of such circumstances? 
-- Note : My bankruptcy attorney ( no longer practicing ) said Yes to both of these questions. 

( XXXX ) IN EITHER CASE, why did the loan servicer both accrue and conceal its accrual of deferred interest on my 2nd loan until I requested a payoff demand? 

Attachments : -- XXXX  XXXX discharge notice dated XX/XX/XXXX -- Latest periodic statement dated XX/XX/XXXX -- Payoff statement dated XX/XX/XXXX Loan Servicer : -- Real Time Resolutions, File # XXXX. 
-- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX -- XXXX Borrower : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX CA XXXX -- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf regarding inaccurate late payment entries on my credit record. After reviewing my report, I discovered these late payment notations. However, despite sending letters requesting validation over 30 days ago, I have not received a response from the creditors, and they have failed to provide satisfactory validation for these reported late payments. I kindly request your assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

I am aXX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 
XXXX XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XX/XX/XXXX XXXX Balance Owed : {$32000.00}
Product: Credit card

Capital one savor card- when I realized there was an annual feee I tried to close account. Representative told me I would be refunded since I was within the window. Now the company is refusing to refund
Product: Debt collection

To FFR Inc./ Whom It May Concern, This letter is a formal request for validation of the alleged debt you claim I owe, in compliance with 12 CFR 1006.34 ( Regulation F ) and 15 U.S.C. 1692g under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting full validation of this debt, including : Verification of the Debt Original creditor details ( name, address, and contact information ).

An itemized breakdown of the debt, including all fees, interest, and payments applied.

Proof of Legal Authority to Collect Documentation showing your authorization to collect this debt or proof of ownership.

Copies of any agreement or contract linking me to this obligation.

Statute of Limitations and Compliance Confirmation of whether this debt is within the statute of limitations.

Instructions for disputing the debt. 
Additionally, this debt is inaccurately linked to an address in XXXX, MA, where I have never lived. I demand this error be corrected and the debt deleted from my credit report immediately. Failure to comply may result in a report to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please provide all requested information in writing within 15 days. If you can not validate this debt, you must cease all collection activities and remove this from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit card

I signed up for CareCredit card to pay for dental expenses with no interest if paid on time. I was on auto pay so as not to be late or miss a payment. I was charged more then {$74.00} in interest. Care Credit said the 6 month period was just a promotion. Why would I sign up for a credit card that charges 26.99 % interest, I already have a regular credit card with 14 % I would have used that? Dental offices, etc. promote this card as a way to pay for medical expenses not covered by insurance, easing the financial burden by having free interest for 6 months. It was presented to me as a way to pay for my dental expenses interest free always as long as I paid each bill on time and within 6 months.
Product: Credit card

I filed a chargeback through my credit card company for money that i sent through Paypal to XXXX XXXX. The date I originally sent money was XX/XX/XXXX in the amount of {$250.00}. After I filed a chargeback, XXXX XXXX refunded me through Paypal on XX/XX/XXXX so i received {$250.00} back from Paypal. Since XXXX XXXX refunded me, i received 2 credits for the same purchase, one from the chargeback and one from paypal. My credit card company rebilled me {$240.00} for the extra refund i received from Paypal, and Paypal made my account balance negative {$220.00}. I deposited {$220.00} from my debit card into my paypal to resolve this negative balance before I realized my credit card company had already rebilled me for the extra payment I received. My credit card company is with XXXX Bank. I called XXXX Bank and PayPal multiple times to try and explain that both of them rebilled me for the 1 extra payment I received and Paypal told me to call my XXXX, and XXXX told me to call PayPal. Neither one of them resolved my issue and now I am out {$220.00}.
Product: Debt collection

these accounts are reporting on my credit and no contract exists nor is this valid. im submitting a copy of an identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  is reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact   XXXX   and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculous.  XXXX  is the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on th e Settlement Statement  that the date of Settlement is  XXXX / XXXX / XXXX . I am requesting from the   XXXX   a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husban d 's credit score. T hank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my Credit File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform the Credit Bureaus about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. The Credit Bureaus became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break tha Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against the Credit Bureaus but I will be generous enough to give the Credit Bureuas couple more chances to prove me wrong about my conlusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to invetigate was already over. I need the following Items removed now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$5000.00} Date Opened : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX XXXX XXXX Acc # ( XXXX ) reporting on my credit that isn't mine. I've contacted XXXX XXXX XXXX XXXX and they have no record of me or any accounts with my SSN. This is not my account!
Product: Money transfer, virtual currency, or money service

XX/XX/2022 Prosperity bank did the the international wire transfer to XXXX to my Account in XXXX with XXXX bank. 
Wire transfer is for {$250000.00} ( American dollars ) Time that I was supposed to have the money was XX/XX/2022. 
I had to comeback to XXXX to find out was going on with my money and no one seems to know where my funds are. 
On XX/XX/2022 I received an email from prosperity bank letting me know that XXXX XXXX bank created a case number XXXX and that the funds are pending at the beneficiary bank waiting for documents from the beneficiary - Ive contacted all banks and no one will tell me what is needed. The reason I borrowed this money was for a property purchase in XXXX for which my substantial deposit is now at risk over these delays. I also had to pay for an addendum to the sales contract. XXXX is short and I am deeply concerned.