23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is regarding my mortgage with Wells Fargo On XXXX XXXX, I was first notified by Wells Fargo XXXX XXXX home insurance has expired and I need to provide proof of insurance. I immediately went ahead and bought a home insurance and sent the details to Wells Fargo ( In less than XXXX  days ). Turns out my past insurance with XXXX was set up for payment by the lender ( XXXX confirmed the same ) and WellsForgo did not make any payment in XX/XX/XXXX, leading to lapse of my insurance. I was not intimated about the lapse of insurance by XXXX or by WellsFargo. A year later, finally I was made aware of the issue, and I rectified it asap. 

On XXXX, I received an additional notice from WellsFargo informing me that my account may be charged {$6700.00} - " insurance charge ''. I called customer service and was informed that WellsFargo did not buy any insurance on my behalf. When I asked for the basis of this amount, the representative had no explanation. Initially she said I have no escrow account. Eventually she confirmed that I have an escrow account but that only pays property tax. When I asked why I was not notified about the lapse when it happened, she had no explanation. 

I emailed XXXX and XXXX on XXXX XXXX and then again on XXXX XXXX, but received no response. 

On XXXX I received another notice from Wells Fargo stating that they are fine with the new insurance but are unable to verify coverage from XX/XX/XXXX to XX/XX/XXXX. Letter also stated that " we will charge you for insurance we plan to buy for XX/XX/XXXX to XX/XX/XXXX ''. 

I am not sure how you can buy back-dated insurance. I was not sent any proof of insurance and on XXXX, I received another notice that " we have cancelled the hazard policy we obtained on your behalf effective XX/XX/XXXX ''. Interestingly you not just purchased an insurance policy on a backdated basis, but also cancelled it on a backdated basis. 

Overall, it turns out, for no fault of mine, my home was uninsured for a year. This was unintentional. I completely understand that I am required to carry home insurance at all times. In this case, WellsFargo did not notify me in a timely manner ( a year late ) and did not buy any insurance on my behalf. So, this amount that WellsFargo is charging me of {$6700.00} seems arbitrary and exorbitant - my annual home insurance rate is ~ {$1100.00}. 

I would kindly request you for a full refund of {$6700.00}. Please do not try to make an arbitrary profit from a loyal customer who has never defaulted or had any foot fault. Also claiming that you bought insurance for an historical period, for which I get no benefit, and you probably make a handsome commission seems like a pretty shady practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of Equifax Once again admitting they are not doing their job properly with the newest news report of them admitting they have given incorrect information and credit scores to lenders. I can not trust Equifax 's investigation and policy of procedures. I wanted the rest of my request from my old CFPB case XXXX completed. 

-- Delete Medical Collection Account / Paid to the original creditor -- Dispute Collection Agency XXXX Collection Agency XXXX XXXX XXXX Account Number # # # # # # XXXX -- Delete Trade Dispute Company Name XXXXXXXX XXXX  -- Delete below unauthorized inquiries Date Company Address Request Originator XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX GA XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  This has cost be lost of over {$50000.00} of credit opportunities. Equifax failed to do an initial investigation before reporting these items.
Product: Credit card or prepaid card

I stayed at a hotel on XXXX to XXXX. There was 2 holds placed on my account for {$99.00} each. On XXXX Amex Serve went and processed a separate transaction for the total of the bill and charged me {$170.00} on too of the funds on hold. This overdrafts my account and I had to use the money in a subaccount to bring my account to current. My cardholder agreement states that when a transaction is completed that any funds on hold will be made available. They won't acknowledge 1 of the holds and won't return the hold of {$99.00} for 30 days. I need that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.
Product: Credit reporting or other personal consumer reports

I called the number from the debt collector reported on Transunion in XXXX, and the debt collection company redirected me to another company not mentioned in the report. I was told that the agency had the. When I called the new number, I was left on hold before weird noises played on the phone, and the call hung up. XXXX took down the account when I reported it, but Transunion insisted on its accuracy after I disputed it four times. I don't know who to call about the debt or who to pay it to if I wanted to pay it off. I am also concerned since the other agency I was directed to appears on the FTC-banned debt collectors list, and the phone number I was provided is marked as a robot caller.
Product: Mortgage

In late XX/XX/2019 we received notification that our mortgage was transferring from XXXX to Loancare effective XX/XX/2019 with instructions to send XX/XX/XXXX payment to Loancare and use XXXX loan number if information is not received as to new loan number if not contacted by Loancare prior to the due date. Information was not received so initial instructions from XXXX were followed and payment was processed by bank through EFT on XX/XX/2019. Approximately XX/XX/XXXX we received a message to call Loancare. This was done and we were informed that we were delinquent on XX/XX/XXXX payment. We then informed them we had proof of payment and that it was sent using XXXX loan number. The representative then was able to trace payment and said it would be corrected within 3 business days and also provided me with the new Loancare loan number since we still didn't have any correspondence. Since that time we have continued to receive phone calls on this delinquency and despite each time being promised they would " escalate '' the issue to have the payment " recognized '' the payment has not been recognized and calls have continued on a mostly daily basis. Please note that when calls are made there is never a person making them but are just robocalls ( Loancare 's term ) asking for us to return their call. Upon making those calls it normally takes anywhere from 10 minutes and longer to actually get to talk to a person and we are then immediately told the payment is delinquent. They posted our payment made on XX/XX/2019 as XX/XX/XXXX payment and calls stopped for 5 days and then began again as " XX/XX/XXXX payment not received ''. Since it is now 50 days since they received XX/XX/XXXX payment and approximately 30 days since we were promised their error would be fixed that their daily phone calls are basically harassment on their part. 
l
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding the reporting of late payments on my credit report for the months of XXXX and XX/XX/year> by Concora Credit. Despite my efforts to resolve this matter directly with the creditor, my request for the removal of these late payments has not been addressed. 

On XX/XX/XXXX, I contacted Concora Credit to request the removal of the late payments in question. Unfortunately, I did not receive a satisfactory response or any action taken to correct my credit report. This situation raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and California consumer laws. 

1. **Failure to Notify : ** I did not receive any notification regarding the late payments prior to them being reported. Under the FCRA, creditors must notify consumers of overdue payments and provide an opportunity to rectify the situation before reporting to credit bureaus. The lack of such notification constitutes a violation of this requirement.

2. **Inaccurate Reporting : ** The reporting of these late payments does not accurately reflect my payment history. According to Section 607 ( b ) of the FCRA, creditors are required to ensure the accuracy of the information they report. Given my consistent payment history with Concora Credit prior to these instances, the late payments appear to be inaccurately reported.

3. **California Consumer Credit Reporting Agencies Act ( CCCRAA ) : ** California law mandates that credit reporting agencies and creditors maintain accurate reporting practices. The failure to provide notification and the inaccurate representation of my payment history violate these consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ONE main letter disputing any inaccuracy on my credit report to please be removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy under 15 USC 1681. Aconunt name # XXXX XXXX XXXX Account # XXXX, Account name # XXXX Account # XXXX name # XXXXXXXX XXXX XXXX Account # XXXX Account name # XXXX XXXX Account # XXXX name # XXXX XXXX Account # XXXX Account name XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX Account name XXXX 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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c.2 ( a ) ( 5 ) Section states : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information other than 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Submitted in a timely manner a billing dispute online directly with PNC Bank. Reference number for dispute is XXXX, was sent a " debit card transaction dispute form '' for the dispute in the amount of {$57.00}. The form was completed and faxed to the above mentioned bank on XXXX/XXXX/17 ( all proof attached, including the fax transmission form ). Of course, the incompetent staff at this bank either lost, shredded, thrown away my documents. The bank sends another of the same form to me dated XXXX/XXXX/17, they already had my fully completed information for 3 days!
Product: Checking or savings account

My name is XXXX XXXX, my bank is Bank of America. I notice on XX/XX/XXXX that money was taken from my checking account 14 times by a company called XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) located at XXXX, Ca, 390 miles from me. The total amount it was taken for food and service was {$960.00} PLUS BANK FEES. First I called my bank, they said because the most of the money was taken on XXXX they would not be able to put all the money back to my account. That I need to call the merchant/business and asked them to refund me. I understand if this where charges I authorized or was aware and I want them to chargeback all 14 transitions, but NO. This is fraud, I've never been at XXXX and why would I order food being 390 miles away? I contacted the merchant, we went back and forward through email, I provided bank statements etc. They said it was XXXX, then later said if it was someone using their ATM to take cash out then it couldn't be their fault. They told me to go back to my Bank and asked them to give me the money back. I feel played, because my Bank wont help me resolved instead told me to all the FBI, which I did and they said the Bank needs to return the money to me. I need the bank to realized that this was unfair to me and need to do more for me. Return my money and bank fees they charge me and investigate how that happened so it wont happen again. My card was cancelled. Again this happened all year of XXXX, from XXXX to XXXX of same year. I suffered an accident and was XXXX XXXX XXXX XXXX XXXX and trusted my bank account was in good standing and nothing like this could happen to me. I feel betrayed that my Bank does not have my back. 

Note : Im also attaching business address ( screen shot ) so you can see it is not a walk-in business, a customer could not walk in and just use a ATM. I also included ( attached ) screen shot of my emailing back and forward with owner. I believe my bank needs to be involved and return my money they aloud to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX we signed contract to purchase timeshare at summerwinds resorts, on XX/XX/XXXX we were supposed to meet the salesman for XXXX XXXX for supper at which time we notified him that we didn't think the purchase was right for us and was going to put us in a financial hardship after maxing out credit cards for down payment at which time he informed us that we could not cancel the purchase since it had already been signed. from this date until XX/XX/XXXX all payments were made on time. 
first week of XX/XX/XXXX capital vacations contacted me asking for my bank account information to process the payment and informed me that summerwinds had been bought out by capital vacations in XXXX, i informed them that i had never been notified of this and that i needed some form of debt validation as i thought this was a scam, i also informed them that per my contract they only had 15 days to notify me of the sale and it had been long past that. i also informed them that i did not authorize any payments they said they would have a debt validation to me the following week XX/XX/XXXX my account was debited in the amount of {$310.00} at which time i filed a dispute with the credit bureau as well as the attourney general on XX/XX/XXXX amount of XXXX was taken out of my account 2 times at which time i still had not not validated the debt and them assuring me they did not have my account information i have tried to communicate and cancel/ contract on multiple occasions with no luck on settlement
Product: Mortgage

My Bank of America owned home mortgage was sold to XXXX and I was notified by BofA 10 days prior to the transfer not the required 15 days. 
Also, my mortgage was sold to a bank in TX, a state I have refused to do business with in the past and vehemently refuse to do business with now. Do I have any recourse to find a different company?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company multiple times I just recently gotten email from them said it will be deleted but it has yet to be deleted im not sure what's going on I proof & document to support what im saying
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring to your attention this follow up matter regarding my credit report that requires urgent resolution. Again, despite my ongoing efforts to dispute these inaccuracies over the past few months, they persistently remain on my credit reports. And under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is mandated by law to remove items resulting from identity theft. Enclosed with this correspondence, please find the necessary Federal Trade Commission ( FTC ) Report with reference XXXX XXXXXXXX, and relevant personal documents. I kindly request the immediate removal of the following items from my credit reports : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX I XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB XXXX XXXX against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} million for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting improper information, false information, social security fraud identity theft by third party creditor by Ability recovery service. 
XXXX  is reporting False or misleading representation. 15 U.S CODE section 1592e _ ( Ability recovery service is reporting False and misleading information and representation in violation of 15 U.S CODE section 1592e. and is committing consumer fraud and identity theft. ARS is committing Social Security fraud as a pattern and practice. There are trying to collect a debt that is ready paid i full. This is bribery and extortion by ARS who is using TransUnion as a window to commit this fraudulent act. .15 U.S, C section 1692d UCC section 4-406 violation by 15 U.S.C 1681c-1 , violation of 15 U.S.C 1682 violations FTC violations, CFPB violations. 15 U.S.C section 1681s-2 violations by all party and their representing agencies and insurance company 's.
Product: Credit reporting or other personal consumer reports

I decided to take a look at my credit and noticed some fraudulent accounts listed on my credit report.
Product: Debt collection

I recently review a copy of my credit/consumer report. I noticed fraudulent account on my report. 

Please remove account from my report they're hurting my agility to obtain credit. 

I'm a victim of multiple data breaches that has result in my information being used without my knowledge. 

I ask for a re-investigation of this item. 

Also, sources the company used to collect this false inaccurate information. 

Under the fair credit act - 15 USC 1681i, 15 USC 1681i5, 15 USC 1681eb, 15 USC 1681 ( 602A ), 15 USC 1681c ( a ) ( 5 ) Please remove/delete this item with all reporting agencies.

If the items are not deleted/removed.

I will submitted a request to the " XXXX XXXX XXXX  '' and Federal Trade Commission ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Consumer collection management I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between waterfront and Consumer collection management As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.