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

VALIDATION AND CEASE AND DESIST Collection agency name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter
Product: Debt collection

The capitol one bank account that was opened in XXXX under my name and social security number is identity theft or a huge mistake if possible. I was only XXXX XXXX XXXX in XXXX and never had an account until XXXX when I went to college. Ive tried to dispute it, Ive called capitol one, filed a complaint in the past and nothing has happened. It is affecting my credit score and it has caused lots of stress. Please fix this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from my credit monitoring service. I had three hard credit inquiries on my report in less than a week ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) by a company that provides credit to WALMART and LOWES and one from XXXX. I never applied for credit with any of these companies in my life. The credit inquiries caused my credit score to go down several points for each inquiry. I phoned the first company, SYNCB, and after many attempts to find out what this was on my credit report, I was transferred to XXXX in the Fraud Department. I was told by XXXX that there was nothing he could do to help me unless I provide my SS #. I did not want to provide my SS #. XXXX told me that I should contact the credit bureaus and tell them to remove it from my credit report. I phoned XXXX   and they told me that I needed a letter of deletion from the creditor to have it removed from my credit report. I do not feel comfortable providing my SS # to the creditor ( whom I never asked to do business with in the first place ). I put a credit freeze on all three of my credit reports and I am hoping that you will be able to help me have this information removed from my credit reports.
Product: Checking or savings account

In XX/XX/XXXX my sister passed away. She had a health care savings account. I am the Executor of the will. In XX/XX/XXXX I contacted Bank of America to notify them of her death and request release of funds. I was told to send a copy of the death certificate which was faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America requesting additional documents which stated I needed to send 1. I immediately sent them another death certificate and the XXXX XXXX XXXX XXXX. This was sent on XX/XX/XXXX. On XXXX XXXX, XXXX XXXX and XX/XX/XXXX I sent the same information along with telephone calls. Telephone calls were also made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told that they would have to send me a Beneficiary Designation Form which I informed them that she could not sign since she had died. I filled out the form and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying they needed additional documents. I spoke with my attorney and the office of the Probate Courts and both told me that those documents are not necessary. They both informed me that they are just delaying payment. On XX/XX/XXXX I contacted Bank of America once again by telephone to resolve this to no avail. On XX/XX/XXXX I was informed that they did not have a death certificate and now they needed different forms. I called them again on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I can not get any resolve to this matter. There should be {$480.00} in this account but Bank of America keeps deducting monies from the account.
Product: Payday loan, title loan, personal loan, or advance loan

Bought some furniture and was offered a loan no interest for 6 months while making payments owed about XXXX then after 6 months it went up to original borrowing amount. I borrowed XXXX  and just calculated that I have already paid them about XXXX so far.
Product: Credit reporting or other personal consumer reports

XXXX items are on my report XXXX account that wasn't given any permission to open which is XXXX XXXX. The other one is an inquiry which I've never consent any creditor to pull my credit for. I'm demanding removal thank you XXXX XXXX
Product: Vehicle loan or lease

I entered into a lease contract with Chrysler Capital in  XX/XX/XXXX  I was unhappy with the vehicle and wanted to trade it in. I went to   XXXX   XXXX   and negotiated with the salesman for the purchase of a   XXXX   XXXX  . In one part of the negotiation he agreed to pay off the lease if I would put {$3000.00} down on the  XXXX . I advised him that I did not want to put {$3000.00} down on the  XXXX  because I was going to be purchasing a house soon. He came back with a deal where I did not have to put anything down on the  XXXX  but I would need to pay off my lease and they would give me {$1000.00}. I accepted the deal. He advised me to wait two weeks before calling to pay off the Chrysler. This would be after the 5 day " cooling off '' period that the dealership advertised.
When I called Chrysler Capital to end my lease they informed me that I would need to pay almost {$1000.00} in early termination fees and the vehicle would be sold at auction and I would be responsible for the negative equity. Of course, I declined and ended up with two vehicle payments and insurance fees.
In   XXXX   I entered opened escrow to purchase a house. Because I had two vehicles I was unable to qualify for a lower interest rate without having to buy down the rate. At the lender 's request, I paid off the balance on the lease. To improve my situation I attempted to trade in the Chrysler and the   XXXX   to   XXXX   XXXX   however they were unwilling to assist me.
Due to the salesman 's deceit I had to pay off my lease early yet can not turn in the vehicle early without incurring exorbitant fees, I had to pay {$7000.00} in closing costs for the mortgage because I could not qualify to add the fees to the mortgage because I had two vehicle on my credit. If the salesman had been honest with me I would either have negotiated a different deal for the  XXXX  or I would have walked away from it completely. His deceptive tactics have caused me irreparable financial hardship.
Product: Money transfer, virtual currency, or money service

I did a wire transfer for the amount of XXXX XXXX XXXX dollars on XXXX XXXXXXXX  from my banking on line from my account at Bank of America to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX and the money never got to the companies account. I have been talking to XXXX and XXXX XXXX the manager at BofA in XXXX Texas XXXX but they keep telling me that they are not responsible for this money. This transfer from my account to that company is not the first time i have done it and never had a problem. the last time i did a wire transfer to the same account it was in XXXX of this same year two months before with out a problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to XXXX, Equifax and XXXX XXXX XXXX Reporting agencies. XXXX replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the Equifax Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.
Product: Credit card or prepaid card

I am highly concerned that Bank of America is deliberately obstructing the payment process for credit cards in order to collect late fees and other such penalties. During a 3 month change in employment I fell behind on several payments. After starting my new employment, I was contacted in the fall of XX/XX/2016 by a supervisor looking to " assist me in catching up ''. She arranged a 6 month payment plan of {$110.00} per month which I agreed to. I called within a few months to see if the hefty $ $ $ late fees could be slightly lowered since I was making payments. I was simply advised to continue making payments. Once the 6 months were up, I arranged for another payment plan of {$70.00} per months since my amount due was less HOWEVER, my total balance was significantly higher. I continued making the scheduled payments however, when the automatic payments expired again, I was suddenly unable to make payments online or arrange for another set of automatic payments. I then learned that my account was closed without notice. When I asked for proper communication of my account closure I was told that it's not something they disclose openly on statements. For over a year now, Bank of America has disabled my online payment capability AND any future schedule of payment. I am forced to call every month on the XXXX  day of the month to make a payment. On most calls I'm forced to wait much time, sometimes up to 30 minutes. Recently, while on a trip to XXXX, XXXX on XX/XX/XXXX, I called 3 times and each time the automated service said they were experiencing high call volumes. After the 3rd call and not getting through to anyone, I hung up. I am now receiving emails regarding late fees, and the amount due for the following month has doubled! Bank of America is causing much difficulties to pay this account and is simultaneously gaining additional fees from me unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues report late payments on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX bank and XXXX XXXX. I have wrote to them on many occasions to remove this inaccurate information. That is a fcra violation of usc 15 1681a ( 2 ) ( a ) ( i ) it clearly states except as provided the term consumer report ( which is my credit report ) does not include a report containing information solely as to transactions or experiences between the consumer ( which is me ) and the person making the report. So I want.these late payments to be removed immediately. I also need.to be compensated XXXX XXXX for this fcra violation tht they have clearly violated..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was one of the victims of the Equifax data breach. To obtain compensation for the inconvenience caused, I had to file a claim. According to media reports, Equifax assumed that most people would not bother to submit a claim, and if the total claims exceeded {$31.00} XXXX, the payment to each claimant would be reduced. As one news report stated, " Customers have very little recourse, '' which was reminiscent of Equifax 's business practices. Despite this, my claim was approved. 

In XX/XX/XXXX, I received my first notification that the claim would be paid. However, so much time had passed that the law firm handling the matter did not have my current address, and they informed me that they would need to issue another check. In an email, they stated : " We wanted to let you know that we have received your request to reissue the check, and settlement payment will be reissued as soon as possible. '' I have not heard from them since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted this complaint 7 times CFPB & EXPERIANXXXX  are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & EXPERIANXXXX XXXX  with FTC Fraudulent report support my position. It seems EXPERIANXXXX are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the accounts REMOVED per 605b with the attached documents again. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) MOHELA/Dept. of ED, XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

MOHELA/Dept. of ED : XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3300.00} ( XX/XX/XXXX ) XXXX. {$5000.00} ( XX/XX/XXXX ) XXXX. {$3100.00} ( XX/XX/XXXX ) XXXX. {$2500.00} ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. {$6800.00} ( XX/XX/XXXX ) XXXX. {$5100.00} ( XX/XX/XXXX ) XXXX. {$1200.00} ( XX/XX/XXXX ) XXXX. {$3900.00} ( XX/XX/XXXX ) XXXX. {$3000.00} ( XX/XX/XXXX ) XXXX XXXX : XXXX. {$2800.00} ( XX/XX/XXXX ) XXXX XXXX XXXX : XXXX. {$1000.00} ( XX/XX/XXXX )
Product: Debt collection

MRS BPO LLC sent a verification of debt letter that is not sufficient to validate alleged account. I requested a few documents that was never sent. The letter that was sent has a lot of discrepancies and the verification letter that was sent does not reflect whats on my credit report. This account is falsely reporting as the original creditor and not as MRS. MRS also failed to send a letter stating that they owned alleged debt and continuously to report this alleged account to the credit agency and has been reporting this account for a year illegally. This is affecting my credit. If this agency have the right to collect debt, why wasnt I informed?! Isnt this a violation. If this company is obligated to report all accurate information, why are there so many discrepancies on all 3 credit reporting agencies?! This company is in violation. I requested documents and was not given all the proper documentation. I only received a statement and a verification letter from MRS XXXX I have more evidence if needed
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the XXXX Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, Experian, and XXXX on notice and they have not complied within 30 days time frame.
Product: Credit reporting or other personal consumer reports

I recently pulled my Equifax credit report there is 10 different addresses that I have never lived at. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

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

This in regards to The Bank of America settlement and I could not figure out the right information to make a complaint about that in particular. 

I recently saw the news about it and was not surprised because I had personally had this experience with them. They fully convinced me that there was nothing I could do about the situation and everything they did was legal. I did not know what avenues I could take such as filing a complaint with CFPB. 

I had an account with Bank of America for about 2 years and in that time I was never awarded the sign up bonus I was promised during my signing and I was double charged multiple times for overdraft fees. I stopped trusting them with my money and they eventually closed my account. I am wondering if there is anything I can do or is it too late?
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to make sure everything was correct and accurate according to 15 USC 1681i ( 5 ).

I waited 30 days and received my investigation results and notice that everything remained the same. The consumer reporting agencies, XXXX, XXXX, and Experian did not modify or delete any of the inaccuracies stated in my report. 

On the following accounts, the date opened is not correct. There is no account number listed that verifies that this is the correct account or that they belong to me. The date of the last payment on the account is also not correct. 

XXXX XXXX XXXX XXXX XXXX - {$14000.00} XXXX XXXX XXXX XXXX  XXXX - {$47000.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$7000.00} Additionally, in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15. U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not issued any written consent or instructions for this to be listed on my consumer report.

This is a complete violation of my rights and is impacting me and my family from obtaining a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and CAINE WEINER ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Mortgage

I currently own in a condo building on the XXXX XXXX XXXX. I am being charged over $ XXXX for XXXX insurance purchased by my mortgage company because they say they have no record of receiving the copy of the policy. I have sent the information XXXX times using different process. Most recently I was told my policy has to name them as beneficiary. This policy is purchased by our association for the entire building. I own several condos and normally send this info every year and it's not an issue but with this company they won't accept the insurance that is active. An increase of $ XXXX a month in my mortgage us substantial and it seems they won't stop charging me. This has gone on for over a year. 
They also are forcing me to let them hold escrow. I own 60 % of my mortgage and have never been late with a payment. This company fails to pay my insurance bills. My XXXX policy was canceled and I had to swiftly pay it to get it reinstated. They should have paid that policy in a timely manner. I honestly would just pay off this mortgage but I can't without a penalty.
Product: Checking or savings account

Transfer of {$710.00} from Simple Bank to XXXX XXXX on XX/XX/2020 not done.
Product: Mortgage

I have a mortgage with Stonegate Mortgage. My payment was {$1200.00}. The company sent me a statement stating they were increasing my payment to {$1800.00}. Stonegate incorrectly entered my property taxes into the Escrow Statement and that resulted in the increase payment. I have tried to call. They do n't answer the phone. An employee finally called me back and could n't help me. I have sent two emails and attached the documents. They responded once with a non-responsive email. Please help me. They are overcharging me in excess of {$600.00} and I ca n't afford the payment.