23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX  XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information on my credit reports with Experian, XXXX and XXXX. 

To date, I XXXX is the only reporting agency that has removed the inaccurate information in accordance with the Fair Credit Reporting Act. 

I am including a copy of the following XXXX credit reports : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I am including a copy of the following Experian credit reports : XX/XX/XXXX and XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, dated, XX/XX/XXXX showing that the account has been deleted ( after a thorough investigation ). 

On the credit reports, you will see that XXXX XXXX continues to report this charged off account from XX/XX/XXXX, monthly, as if it were a new late/charge off. The XX/XX/XXXX ( XXXX ) report shows that the account date closed is XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX show that the account date closed is XX/XX/XXXX. 

On the XXXX credit reports you will observe that the balance past due up to XX/XX/XXXX was {$6200.00} and on XX/XX/XXXX the balance past due was {$6300.00}, adding an additional {$82.00}. 

Ally continues to report this account adding and removing past due amounts sometimes as little as {$1.00} in order to re-age the account and continue to report it is if it were a new derogatory account which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act I have also received e-mails from agencies such as XXXX XXXX, etc ... showing that the account continues to report as a new derogatory account utilizing the {$1.00} to re-age the account ( if needed, I will pay for the account history with the other agencies ). 

On XXXX  File # XXXX, you will observe on XX/XX/XXXX and XX/XX/XXXX the past due amounts vary and the payment/amount paid is {$0.00}. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX  XXXX XXXX
Product: Bank account or service

Initiated XXXX wire transfer on XXXX/XXXX/2016 on the Bank of America website, but the bank has initiated XXXX duplicated transactions with XXXX different duplicate fees. I have made numerous calls to the customer service over the past 45 days, but the full disputed amount has not been credited yet.
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notified the XXXX and the other agencies that XXXX companies on my credit report refused to provide a XXXX and that the reporting was inaccurate and they refused to help or remove the inaccurate information Also XXXX items that were paid and deleted continues to appear on my credit report. 

I was denied housing because of all the inaccurate information.
Product: Mortgage

I was attempting to pay my mortgage today ( XX/XX/2023 ) through the online portal that Lakeview Loan Servicing , LLC provides but despite multiple attempts to pay through their portal ( which they suggest ) their website continues to glitch and not allow me to make my payment of {$5100.00}. I went to the help tab on their website and attempted to call during their posted business hours. Their help line was not accepting calls despite being during their business hours and it hangs up after letting the automated message tell you they are unable to help. I followed up by filling out the online form requesting information. I confirmed my account has the funds necessary to make this payment, Lakeview Loan Servicing is just not providing their customers with a working website and not making it possible to speak to a representative.
Product: Mortgage

I am writing to formally address the serious misconduct by Fairway Independent Mortgage Corporation during the processing and origination of my FHA loan. Specifically, your loan officer failed to include critical documents and engaged in unethical practices that have caused significant harm to me. 

On XX/XX/year>, your loan officer emailed and texted me, instructing me to sign a HUD Addendum that should have been presented at closing. The improper handling of this document raises serious questions about its authenticity and compliance with federal requirements. Additionally, this pattern of neglect is directly tied to the loan officers failure to include my repair amendments, which were critical to the origination and terms of my loan. 

The omission of the repair amendments, like the mishandling of the HUD Addendum, demonstrates a disturbing lack of due diligence and transparency. These were key documents outlining agreed-upon repairs that impacted the value and safety of the property. By leaving out the amendments, your company compromised the integrity of the loan process and failed to act in my best interest. 

Despite my attempts to resolve this through the Consumer Financial Protection Bureau ( CFPB ), your company has failed to provide a meaningful or truthful response. Instead, I have been met with generic statements claiming XXXX cares about its customersclaims that are clearly not supported by your actions. I will not accept any response stating that this matter has already been addressed because it has not. Ignoring evidence and providing dismissive responses do not equate to resolution. 

I demand the following actions from Fairway Independent Mortgage Corporation : A thorough investigation into the forgery of the HUD Addendum document, including a review of all communications from the loan officer on XX/XX/year>. 

A detailed explanation of why the repair amendments were omitted from the loan documents, despite their critical importance to the terms and conditions of my FHA loan. 
Clear accountability measures and steps to prevent these violations from happening to other customers. 

Your company 's mishandling of these documents not only breaches trust but also exposes systemic issues that must be addressed immediately. If you fail to provide a substantive response and resolution within 14 days, I will escalate this matter through legal channels and additional regulatory bodies. 

I expect a comprehensive and transparent reply, addressing each of the issues raised, and I will not accept dismissive or generic responses that fail to engage with the facts of this case.
Product: Debt collection

Company placed a collections on all three of my credit reports. I disputed the validity of this debt. I have never been notified of an outstanding debt. I did not and do not acknowledge this debt, they started over the 7 years after my claim was denied on XXXX and updated the other two credit bureaus as if this were a recent account. I have the credit reports from BEFORE I disputed and this was originally reported in 2013. Now I am receiving harrassing phone calls every day. I do not answer or communicate with them.
It says I owe {$1400.00} but the original debt is {$1100.00}? Hows that even legal?
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
CREDIT SYSTEMS INTL IN ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ), balance is {$110.00}, and account # XXXX
Product: Payday loan, title loan, or personal loan

This company stated they was going to remove my account from my credit report. This account is still on my XXXX and it's been over XXXX days and i disputed and instead of removing they updated it once again. Once again this account needs to be removed from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXXXXXX Balance : {$96.00} ; XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$10.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXXXXXX Balance : {$21.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$28.00} ; XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I had complained about XXXX XXXX 's XXXX, fradulent and abusive behaivor. Meanwhile, I sent 2 full payments and they said they lost. They found the checks after I keep issuing new payments. At last, my third attempt, the bill got paid completely and I closed my account for their XXXX, abusive customer service. Then I filed a complaint about their hostile, abusive, XXXX behaivor. Later, they sent me a refund by check completely as an 'apology '' during XXXX. I ended my complaint after the check recieved. Few days later, they reversed the refund, added many late fees, intetest fees on already closed account and reported my account as late, non payment. When I called how, why, the XXXX XXXX said they refunded me by mistake. When I disputed, the manager implied my race and said 'I was a XXXX  I know how to deal with people like you '' on a recorded conversation. She refused to let me speak with a higher manager to complain about her, continued to be abusive. Then hang up on me without any resolution. I filed another complaint. They responded something completely different to close my complaint. Then as a retailation, bullying tactics, they added more late fees, interest fees and reported my account for late, non-payment. In the middle of my real estate buy/sell, they intentionally decresed my credit scores, causing me financial loss. The dispute against XXXX XXXX Credit Card was NOT about the product, it was their XXXX, abusive, bullying managers and numerous mistakes after 7 months!
Product: Mortgage

Our escrow account was charged tax by mistake. 100 % XXXX we do not pay any tax. This raised our payment over {$1000.00} more a month. 

We told them and they readjusted however for XXXX  not XXXX. 

We told them we wanted an escrow analysis ( insurance went up a little and we can pay the overage on that so our payment could stay about {$2200.00} a month ). 

Instead theyre still charging us XXXX XXXX this month ( XXXX ) and then lowering to $ XXXX which is still {$100.00} more than before when we can make the payment on the insurance overage. We shouldnt be paying an extra {$1000.00} this month either.
Product: Mortgage

No real solution or explanation even after multiple phone calls & written communications on bank website. Only small fraction of solution after complaint at CFPB ID XXXX, I was refunded {$81.00} in XX/XX/XXXX. 
Bank still owes me {$3600.00} ( double charged interest in XX/XX/XXXX & unaccounted escrow charges since XXXX ) + {$650.00} ( interest + compensation for giving run around ) = {$4300.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On the date of XX/XX/2021 the amount of {$4000.00} was used for a down payment of a vehicle.
Product: Credit reporting or other personal consumer reports

information was sold in use on XXXX XXXX do to data breach.. Never applied for the account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported the same account twice on my credit report. 

XXXX XXXX added the second account with the same account number a year after the account was closed. 

I have uploaded a copy of my XXXX  Report showing the same account listed twice. I have also uploaded the letter I have sent to XXXX XXXX. 

I have called XXXX XXXX to explain the situation many times since this error was reported. I was only able to reach someone twice by phone. Both times I was spoken to rudely with aggression from XXXX.
Product: Debt collection

Credit collection law firm filed suit to collect on credit card debt. An agreement was entered into to settle the debt with one lump sum and 12 monthly payments. The balance of the debt would then be discharged/forgiven. {$5000.00} payment was made pursuant to the agreement. Default judgment for the entire balance was subsequently entered. The {$5000.00} was applied to the balance without consideration of the agreement. They simply tricked me into a {$5000.00} payment and the agreement was simply ignored. Settlement agreement was simply a fraudulent inducement to make a large payment.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues on the platform. Despite using Zelles numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I have noticed late payments on my credit report form XXXX XXXX  that should not be reported as late. According to 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

I am writing to file a formal complaint against Santander Bank regarding the withholding of funds in my bank account. Below are the details of my case : Back in XX/XX/2023, I used several of my credit cards to purchase gift cards from XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I then used these gift cards to buy money orders at the post office and XXXX. I subsequently deposited these money orders, totaling {$8000.00}, into my Santander Bank account. 

In XX/XX/2023, I was blocked from accessing my online banking. I have contacted Santander Bank multiple times regarding this issue, and each time I was informed that they are waiting for the issuing banks of the money orders to provide the source of the funds. Despite numerous requests from Santander to these issuing banks, no responses have been received.

I have been waiting for over seven months for Santander Bank to resolve this matter, but I have not been provided with any resolution or a timeline for the investigation 's conclusion. This prolonged delay is causing me significant inconvenience and financial stress. 

I urge the Consumer Financial Protection Bureau to investigate this matter and assist in resolving the issue promptly. I am seeking the release of my funds or the return of the checks to me.
Product: Mortgage

Since our previous complaint, we have received no further correspondence from the lender in reference to the issues that are preventing us from obtaining a reasonable offer. The lender insists that they must net {$230000.00} ; however. that amount is determined by a questionable appraisal. Questionable because of the condition of the property. It is in need of {$15000.00} to {$20000.00} worth of repairs. We believe that this appraisal is prejudiced and have asked for a second opinion. None has been provided. The appraisal was at {$270000.00} and was significantly higher than the previous one of {$260000.00}. Again, neither appraisal has accounted for the repairs needed to bring the property to comparative market value. Furthermore, we have ask for a closing costs explanation as to how the net of {$230000.00} was determined. None has been provided. Prospective Buyers have expressed their reluctance to submit an offer since the valuation has been set too high.
Product: Credit card or prepaid card

I have Complanits about citi cards. They are lying they said card was closed cause grantor closed the account and they have issued new card number on my name without my authorization. I didnt request the card but citi credit cards issue new number on already closed account. Its illegal how citi cards are issuing new card on closed account and second of all I didnt request for new number but they are going crazy and issued illegal new card number on my name and the closed account they have balance and they are trucking with me pay {$3100.00} dollars but balance on the card they said {$7100.00} and they admitted the cards has been compromised but they say pay half on closed compromised account and they kept threading me. XXXX credit bureaus have investigated and they remove from my account but on third times Investigastion XXXX found out they are doing illegal and harassment and first two times citi cards lied to XXXX and then XXXX found out how come they can issue new card number and closed account. But citi credit cards have been lying to them and lied to you too. I had submitted with cf means your federal consumer agency but they dont stop but XXXX have completed the investigation and removed them from my credit report but they kept sending me fake new tricks to get money from me please help me thanks God bless you