23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chat with XXXX XXXX  that a illegal EFT was initiated and refused to be corrected causing a stat damage of XXXX, Under the EFT Act ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ; ( iv ) A computational or bookkeeping error made by the financial institution relating to an electronic fund transfer ; ( vi ) An electronic fund transfer not identified in accordance with 1005.9 ( https : XXXX ) or XXXX ( a ) ; ( https : XXXX # a ) or ( vii ) The consumer 's request for documentation required by 1005.9 ( https : XXXX ) or 1005.10 ( a ) ( https : XXXX # a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( vi ) of this section. Account Agrement Section ( iii ) electronic bank Section 1., F and Section 4 of the overdraft protection agreement gives I/we the right to revoke and or Modify. Section Article 1 of the PA State Constitution, Common Law Tort Invasion of Privacy intrusion upon seclusion, Unfair Trades and Prectices Act and applicable case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breech of contract!
Product: Credit reporting

The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX/month when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.
Product: Debt collection

All I know is the thing on my credit report is BRCLYSBANKDE and I dont know what this is
Product: Debt collection

RMP, LLC has called me multiple ( XXXX ) times about debt that is not mine. I've told them multiple times, very clearly, to stop contacting me, which they have not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX Transunion and XXXX had all been told to contact me and did not.
Product: Mortgage

My mortgage with Flagstar Bank was refinanced on XX/XX/19 - and paid off, in full, by the XXXX of XXXX. I was therefore entitled to receive my escrow balance ( over {$1700.00} ) paid back to me within 30 days, per RESPA guidelines. 

However, I never got an escrow refund. They stated that a refund was sent out on the XXXX of XXXX, but I never got a check. I called back week after week, and they kept telling me that they would cancel the previous check and issue to a new one - to no avail. I called today and they seem to have no idea what I'm talking about. I want the money that is owed me. And I want them to answer for the interest they're making off of it every day since!
Product: Debt collection

The call came at XXXX XX/XX/2021. Caller ID : Toll Free Call XXXX I was already on another call and when I answered the call, the lady asked to speak to someone I don't know. I told the lady the she has the wrong phone number and to stop calling my phone number looking for the person.
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Reporting of Car Loans Not Belonging to Me Dear Experian, I am writing to dispute two inaccurate entries on my credit report that do not belong to me. These two accounts are negatively affecting my credit and are erroneous. Below are the details of the accounts I am disputing : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Dispute of Ownership of Accounts : I am not associated with these loans and have never held an account with XXXXXXXX XXXX or XXXX XXXX XXXX. I did not apply for, open, or authorize any loans or credit transactions with these entities. Therefore, the reporting of these accounts on my credit file is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Request for Verification and Immediate Removal : Under Section 611 of the FCRA, I am requesting a thorough investigation and verification of these accounts. Please provide documentation that shows that I am responsible for these accounts. If no such documentation exists, I request the immediate deletion of these accounts from my credit report. 

XXXX. Identity Verification : Enclosed you will find a copy of my government-issued ID, proof of address, and a copy of my Social Security card to confirm my identity and ensure this dispute is properly processed. 

As you are required by law, I expect that you will complete your investigation and respond within the 30-day time frame prescribed by the FCRA. Should you fail to remove these erroneous accounts, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal options.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these inaccuracies from my credit report.

Per 15 USC1681n ( a ) ( 1 ) ( A ) of the FCRA allows consumers to recover up to {$1000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports I am challenging any hard inquires or unauthorized accounts without a permissible purpose. 15 U.S. Code 1666b - Timing of payments Also I noticed some incorrect personal information being reported on my credit which I am demanding to be correct immediately! Please be advised that failure to comply with the FCRA and Metro 2 standards will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for noncompliance. Thank you for your prompt attention to this matter. I expect a response within the time frame prescribed by the FCRA ( 30 days ). You can contact me via the information listed above if further details are required. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On the date of XX/XX/2019, I made an online purchase at XXXX in the amount of {$280.00}, for a floor rug, using my XXXX store credit card. When the rug arrived at my home, it was the incorrect rug and I immediately returned this rug to the shipping fulfillment center provided by XXXX and requested an immediate credit to my XXXX   card, offered by Comenity Bank. XXXX accepted the return and stated that a full refund would be provided to the card within a few business days. 

I received communication from Comenity bank that they were discontinuing the store card with XXXX and in the process of this severed relationship, XXXX XXXX stated they were no longer able to refund my account and that they would send me a check for the {$280.00}. It is now XXXX and I have made several attempts to resolve this with XXXX   XXXX customer service. On each occasion, I have been advised that I should expect a refund within 7-10 business days. I have several emails from reps for XXXX XXXX, ,XXXX   confirming this, yet I have still not received a refund check. All while continuing to be charged interest on the comenity bank card for this amount
Product: Mortgage

On XX/XX/XXXX my spouse XXXX XXXX and I closed on a " one time close '' construction loan. Due to the COVID pandemic construction was delayed, however, the issues were communicated with gogsf or GO Mortgage, extensions were granted and fees were paid and accepted by GO Mortgage. Even though we have an approved extension through XX/XX/XXXX, and even though we received our certificate of occupancy on XX/XX/XXXX, GO Mortgage will not convert our loan to the permanent phase ( the amortized mortgage ), but instead is telling us we are required to refinance or that they will call the mortgage note. 

We feel this company has engaged in unfair and deceptive trade practices. GO Mortgage continues to call and harass us, even though we have made our first mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts on my credit report that do not belong to me I have not signed for anything or approved anything and I dont have any of these cards I have opened an FTC regarding this and nothing is being done I need help. 

Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX  XXXX BANK Account Number : XXXX Account Name : XXXX  XXXX BANK NA Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

XXXX XXXX XXXXXXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX XXXX XXXXXXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for roughly 1 year and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accoundable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Product: Debt collection

In XXXX, a collections item from National Credit Adjusters appeared on my credit report then disappeared. Then this month ( XX/XX/XXXX ), the same collections account re-appeared on my report with a date of XX/XX/XXXX. I filed a dispute with XXXX. I have not received as of today XX/XX/XXXX, any written notification of this collections account I supposed owe. My XXXX credit report shows that this is of Account Type " Factoring Company. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, Dept of edXXXX ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


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.

15 U.S.C 1681 c. ( 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 records of 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Product: Credit reporting or other personal consumer reports

I AM NOT LIABLE WITH THIS DEBT AND DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. I MAKE THIS REQUEST PURSUANT 15 U.S.C 1681i OF THE FAIR CREDIT REPORTING ACT 1997. DELETE THIS ACCOUNT WITH XXXX, XXXX XXXX TRANSUNION. 

ACCOUNT XXXX
Product: Mortgage

I was recently denied for the HAMP program and according to my income the payments are not affordable. the denial letter did not give me that reason. i can not afford my payments at the present time although i keep trying and wind up paying late. my value of my home keeps dropping drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a certified letter with other documentation showing the errors ( XXXX ) on my credit file, not getting a response in 30 days, having to contact the CFPB to hold them accountable, Experian sent me a letter and a new credit report stating the info was verified through XXXX. XXXX sent me a letter stating that there is no bankrupcy showing in my personal file. I call Experian and stated that they lied about the bankruptcys being verified through XXXX and the info needs to be deleted immediately. They refused to delete the information stating I needed to wait 30 day for them to investigate. I told them they already investigated and lied about it. Now I have to wait again 30 days to investigate the lie they told and they can continue to violate my rights to fair credit. I told them they have false and damaging information on my credit file and it needs to be deleted immediately, I also stated I need a new credit report showing the deletions. At this point the fact that they lied about the verification and refuse to remove the information, it is a violation of the Fair Credit Act and I am going too sue due to the amount of denile of credit I have been experiencing in the past year.
Product: Credit reporting or other personal consumer reports

Theres a lot of hard inquiries from online loans and credit cards I do not possess. I am aware that experience had a data breach a while back, and I was informed that my information was exposed during this date of breach XXXX  also had a date of breach in which I was also informed that my information was exposed. My Credit Report is different with all three bureaus with an inaccurate information
Product: Mortgage

I received a notice in XXXX that I didn`t make my house payment, I checked the bank and the mortgage company had my money. Then the same thing happened in XXXX I received another notice. After two days of calling numbers I got a lady from Chase Mortgage on the phone, I told her what had happened and she stated that she knew what had happen and had already fixed it. She stated the Chase was putting all the money into escrow account by mistake and she had corrected it. She issued a case # XXXX. They had put two late charges on my account for {$37.00} and possibly reported me to the credit bureau. The lady at Chase stated that they had corrected the money to make the principal. I need to make sure everything is corrected. Thanks..
Product: Checking or savings account

I used BofA bill pay to pay from my checking account XXXX my XXXX XXXX mortgage loan number ending in XXXX. Payments are auto scheduled for the XXXX of the month and due by the XXXX. XXXX 's payment cleared on XX/XX/XXXX. XXXX payment was " sent '' by BofA, but not cleared by XX/XX/XXXX so I called BofA and XXXX XXXX to make sure the check had not cleared or been received by XXXX XXXX. XXXX XXXX confirmed on the XXXX they had not received the check, so I authorized an XXXX debit submitted by XXXX XXXX to BofA to pay my mortgage and avoid late fees. I also asked XXXX XXXX if they received the check late not to process the check against my account. I called BofA and they place a stop payment on the billpay check. On XX/XX/year> I noticed both items showed up as being presented and processing. I called BofA and they let me know that the XXXX would be paid and the check would be returned. 

On XX/XX/year> I checked and both items the check and the authorized XXXX debit had been returned. I called BofA and the customer service rep told me this was a known issue/problem they had not corrected when a stop payment was placed on a bill pay item if the same amount was submitted as an XXXX debit and it was processed for the same vendor it would also be blocked. I asked BofA to fix the problem, send the payment and contact XXXX XXXX to resolve any issues with late fees and returned item charges. They said they could not send the payment unless I wanted to submit my own wire for same day and they would not call XXXX XXXX. By the time I figure this out XXXX XXXX was closed. So I called them on XX/XX/year>. 

On XX/XX/year> I called XXXX XXXX and had them process a new XXXX debit to pay my XXXX XXXX mortgage from my same BofA account. They had not yet seen the returned items, which now would be XXXX returned items and informed me that when the returned items were received they would reverse my payments charge me return item fees and assess a late fee. 

My complaint is about both XXXX XXXX and BofA. I'm using services fit for purpose for bill payment and both parties business practices both breach the merchantability and fit for purpose requirements for financial services resulting in assessment of fees. My sense is XXXX XXXX has established a practice of not setting up XXXX payments from billpay to delay the processing of a payment for customers in good standing so that the payment is not applied early and they can continue to earn interest until they " process the payment '' I have had XXXX different issues with XXXX XXXX not processing my payments on time and have had to authorize XXXX debits at least twice.
Product: Credit card

I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.
Product: Vehicle loan or lease

I recently seen the wells fargo loans in fraudulent programs. I currently have a car loan with Wells Fargo. I enter the loan reduction due to covid, they lower my payments but when I file my taxes for XXXX it cause me to pay taxes. Can you check to see was there negative results cause me to owe more or less due to covid my Wells Fargo account XXXX, XXXX XXXX XXXX my maturity date now is XX/XX/XXXX. Can you see if my loan is apart of this lawsuit I checked with Wells Fargo they said if I get a letter FROM THEM?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 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 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Under the provisions of the FCRA section 605b, I need the following item deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} AXXXX 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 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

XXXX XXXX  sent me a notice stating I had an outstanding chance of approval up to {$3000.00} credit card limit that wouldnt affect my credit and it was a preapproval. They didnt give me an answer but gave me a hard inquiry. XXXX stated they arent supposed to be advertising the card due to the information being false. They stated they would send out a letter for the deletion of this inquiry from XXXX on XX/XX/