23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX signed up for a 30-day trial of XXXX  ( grocery delivery service ) Made an order that was completely a mess - called XXXX company to cancel service that same day when mistakes where made with the first and only attempt to use their delivery service. 

On XX/XX/XXXX noticed a charge was made to my Capital One card - contacted both Capital One and XXXX to disupute the charges - spent over 90 mins on the phone with Capital One representative who added a representative on the phone from XXXX to our conversation. XXXX - agreed that the account was closed and Capital One assured me that the charges in dispute would be refunded. 

One year later - XX/XX/XXXX once again charges appeared on my card in the amount of {$99.00}. I filed fraud complain online with Capital One as this charge was in no way approved by me - to my knowledge this account had been closed 1 year ago. 

On XX/XX/XXXX noticed charges for {$99.00} had been applied once again to my card from XXXX. Called Capital One by phone on XX/XX/XXXX to dispute the charges once again - senior dispute representative of Capital One explained to me that I would need to supply an email from Instacart from initial ( one year ago ) dispute indicating account was closed. I explained that I dont believe they ever sent me an email as we completed this over the phone - phone conversations are recorded as the Capital One representative had assured me the day we made the call w/all parties on the phone and XXXX had agreed - on the phone that the account was closed. 

I am therefore once again disputing the charges in the amount of {$99.00} for the XXXX XXXX charges to my Capital One card for a service that I did NOT agree too.
Product: Mortgage

We refinanced with Home Point Financial Corporation, a 15 year mortgage with a fixed interest rate. We signed documents as part of our closing authorizing Home Point to collect our property tax payment and insurance to be included in our monthly payment. This was all part of our closing disclosure. At the time of the closing the escrow amount was {$1100.00} with a principal and interest payment of {$2800.00}. Giving us a {$4000.00} minimum payment. The inception date and first payment was made on XX/XX/XXXX in the amount of {$4100.00}. 

Fast forward to XXXX of XXXX when Home Point sold our mortgage to XXXX XXXX. XXXX XXXX  noticed us that our new monthly payment would be {$4700.00} to cover a shortage in our escrow. Our taxes only went up ~ {$570.00} and our insurance went up ~ {$90.00} for the calendar year. After hours on the phone trying to decipher why we had a shortage when we were making on-time payments greater than the minimum payment due, I discovered that during the life of our mortgage with Home Point Financial Corp. they were not satisfying the escrow of what should have been roughly ~ {$1200.00} a month. Instead they were only paying roughly ~ {$810.00} a month to the escrow. In speaking with Home Point no one could tell me how this happened and why the closing disclosure was not followed. 
I brought this to the attention of multiple employees at Home Point. I told them that because of their mistake I was now forced to pay an extra ~ {$600.00} a month or write a check in the amount of ~ {$7200.00} to fund my deficient escrow.

Home Point would only tell me that I was no longer their customer and potentially ask the new lender ( XXXX XXXX  ) to spread my escrow payment over 36 months instead of 12 months until I satisfied the necessary amount to fully fund my escrow. 

I seriously question why Home Point sold my mortgage in the first place. Was it because they knew it would be easier to sell my loan to another institution rather than admitting fault on their end and addressing the matter?

Needless to say my new lender is asking for the new payment to ~ {$4700.00} or for me to write a check in the amount of ~ {$7200.00} to fund my deficient escrow. Neither of these are viable options.

I have impeccable credit and have never missed a payment in my life. I have always paid Home Point on time and in excess of the minimum amount due. Home Point didn't appropriate my funds correctly and shorted my escrow. In doing so they completely disregarded the closing disclosure and now because of their error I am faced with financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry for Credit Acceptance  XXXX XXXX XXXX XXXX on XX/XX/2020. I didn't authorize this request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 a consumer to any consumer reporting agency of 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

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXXL XXXX  To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX  XXXX  for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX XXXX is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and Transunion. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and XXXX. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section1 602 ( a ). States I have the right to privacy. 15 U.S.C. 1681 Section 2 604 ( a ) It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by XXXX XXXX XXXX # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a.

As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. 

I have already disputed this inaccurate information with XXXX XXXX, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX, CA, undefined
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted Experian and XXXX to remove the free trial they wouldn't do it, told me if I didn't pay the XXXX my credit file will remain closed and locked, if this is legal tell me how to go about moving to another country cause this by far is against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting an unverifiable, inaccurate bankruptcy on my credit report. From the court name, to reference number, all the information is reporting inaccurately and WRONG. These reporting agencies claim to have gotten this information from XXXX XXXX. XXXX XXXX has sense removed this inaccurate information, and currently are looking to be sued by my attorney for the damages brought to my credit report. Furthermore, the court house whom is the original creditor, responded that they do NOT furnish this information to the credit reporting agencies nor do they furnish this information to third parties such as XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this company regarding a fraudulent account, starting on XXXX, and after the investigations on XXXX I had results from all 3 bureaus resulting in removal from my credit file. On XXXX This company added it again, I contacted all 3 bureaus and disputed it again, after the 2nd investigation I received the results on XXXX it was removed again on all 3 bureaus. On XXXX capital one added it again and for the 3rd time they maliciously put a negative mark on my file. I have never had a XXXX XXXXXXXX account, when I contacted their fraud department I was denied access to the department that has this claim. and was told there is nothing that could be done, I have all the necessary documents on file with the bureau 's FTC report etc, at XXXX XXXX I spoke with XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX a Manager in fraud and dispute. it has been over 90 days and investigations by all 3 bureaus. I am making this complaint to have on Record beyond the credit bureaus, XXXX XXXX IS MALISHOUSLY DOING THIS BECAUSE I WENT TO THE XXXX REGARDING THEM. THE LAW SAYS THEY HAVE 30 DAYS IT HAS BEEN 90 AND 3 INVESTIGATIONS AND XXXX XXXX HAS NEVER PRODUCED ANY INFORMATION TO JUSTIFY THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed account which i believe was reporting in error. 
XXXX  XXXX : {$19.00}
Product: Checking or savings account

On XX/XX/XXXX, I applied online for a Bank of America Checking Account to avail a {$200.00} bonus promotion. I deposited {$100.00} during the application. Despite receiving an approval email, I couldn't access online banking. Efforts to reset my password failed, and attempting to create a new login led to conflicting messages about the account 's status. 

Unable to reach the helpline promptly, I visited the Bank of America XXXX XXXX in XXXX, XXXX, on XX/XX/XXXX. At the teller counter, I explained the situation, expressing my desire to close the account due to the inconvenience. However, I was informed that my account had already been closed without my knowledge or consent. After working with a banker for over an hour, I was provided with various explanations for the closure, including identity verification issues, security concerns, or unspecified profile-related reasons. 

Despite the confusion, I repeatedly requested the return of my {$100.00} deposit. Following the lengthy branch visit, I was informed that I couldn't withdraw the deposit immediately, and a cashiers check would be mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has willfully violated the FCRA 605b. They refuse to block fraudulent information on my credit report within the legally required 4 business day time period from the date of receiving my FTC Identity Theft Report, XXXX XXXX Police Report, and all required identity verification documents. Furthermore, the company refuses to provide any basis for declining my legally mandated blocking request. I have contacted the FTC, XXXX XXXX Police, and Consumer Financial Protection Bureau for assistance with this matter as well. This has been an ongoing issue that has devastated my life by making me ineligible for personal or business loans, credit cards, or auto loans with reasonable interest rates. In addition, Ive spent hundreds of hours in anguish and torment trying to resolve this issue. I even pay Experian for a Premium ID Theft Assistance service and they still wont help or follow the law. Just take my money and make my life miserable. As someone on the XXXX XXXX dealing with Experians criminal negligence makes me spiral into despair on a regular basis. Preventing me from living a normal happy life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that is not mine. Please move them from my credit because I've contacted the FTC and my local police. I'm doing this on my own. XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. There were also some inquiries that are not mine as well 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: Bank account or service

this story is truly un fathomable and most of the answers i have gotten from this part of the bank fall short of accountability i hate bureacracy. but its everywhere. i went to use my business atm card issued in XXXX and it did not work this am i am now bing told it was deactivated yesterday. no one told me i have no idea why. emails all day stupid as anything not one tells me who did it why or offers to tell me which card i can use since i do have another or when i will get another. but they email all day long wasting my time. between not being able to get to my money with no warning, time on the phone on hold this is truly unbelievab ; le/ i want to know who and why my business atm card was turned off and i need it turned on again. or i need to know if other card i have ending i think in XXXX usable or i need a new one. its bad enough last month XXXX closed my account without my permission i can not take the fall anymore for all these mishaps youb have a lot of money there to pay people not to help customers efficiently. i want to know which card i can use to access business account asap and why it was closed. without warning. period not emails all day long saying les than nothing. no reasaon exists to have closed my card what about telling me?
Product: Mortgage

On XXXX, Mid America my mortgage servicer levied new debt to my mortgage balance. The servicer increased my mortgage debt to {$100000.00} an increase of {$6700.00}. My statement balance for XXXX is attached - {$96000.00} Mid America never contacted me regarding the new debt.

Mid America reported the new debt to the national credit reporting agencies and pursued collection. 

The actions of my mortgage servicer caused serious financial injury and undue hardship for me and my family. The new debt precluded me from accessing the interest terms that I was entitled to. Since Mid America made no effort to contact me, the debt popped up in the middle of refinancing our family home.

Mid America violated the Fair Debt Collections Practices Act previously on XXXX. I tried at that time to resolve their reporting errors directly with the servicer, also to no avail. However, Mid America did respond to the CFPB on XXXX after they received notice of my complaint XXXX # XXXX XXXX. Their response explained their corrections and confirmed adjustments submitted to the credit reporting agencies. That was my initial request. 

This complaint is for changing the legal status of my mortgage debt on XXXX, failing to contact me, and pursuing the collection of a false debt. This debt prevented me from closing on my new mortgage refinance with a new bank with more favorable terms. I had to accept the interest terms with the false debt attached to my credit file as valid and due, or lose all my fees and miss my closing date in the middle of my new refinance. 
Mid America damaged my creditworthiness, again, to potential lenders when refinancing my home mortgage.
Product: Debt collection

I received a call from Global Lending Services on XX/XX/2020 regarding a late auto payment for my vehicle. I spoke with XXXX XXXX. After informing her about my financial situation, she asked me to confirm my address. I informed her that my address is the same as before. She asked me to verbally confirm. I told her that it's the same. She asked me to tell it to her. I told her no, it's the same. Flustered, she recommended that I pay as quickly as possible, as I incur late fees daily. I asked her how much the daily fees are. She responded {$22.00} every day. I asked " EVERY day?? '' She said yes, every day. I told her that there is nothing in the contract that states that there is a {$22.00} daily late charge and that this is unacceptable. She apologized and told me that she will double check her information. She put me on a brief hold. When she came back she told me her information is wrong and that the late fee was a monthly charge. I informed her that giving me false or misleading information about a late account is really bad. She agreed and apologized. I took her information. 
I don't know if the false information was intentional or not. But as a consumer, receiving false information from a debt collector, whether on accident or on purpose, is completely inexcusable. It's her job to know how late fees work. Had I not called her out on it, she wouldn't have corrected herself. I feel that she was trying to use false information to pressure me into paying faster.