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

I do not know this company, I do not have a contract with them. And they are supposed to be removed from my credit report, but it is still showing. 



BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Mortgage

Hello, My name is XXXX XXXX XXXXMy problem has been going on for sometime. XX/XX/XXXX to be exact my orginal loan was with XXXX, then XXXX XXXX XXXX, and it is presently with HBC and is being serviced by Select Portfolio Servicing Inc, at XXXXXXXXXXXX XXXX XXXX XXXX, the person I am talking with has changed from a man to a woman named XXXX who is the new : XXXXXXXXXXXX My loan number is : XXXX. My address is XXXX XXXX XXXX XXXX, XXXX Or. XXXX, my phone is # is XXXX XXXX XXXX, my email is XXXXXXXXXXXX I have sumbitted the requested documents over and over again for home retention modification. I have participated in foreclosure mediation a year ago. The process was a sham. I have a XXXX in XXXX and XXXX in XXXX XXXX. I took the training for XXXX and observed the process of creating XXXX program and was not allowed in but a student of mine was. I knew that would happen, based on the nature of the mediation system lacking in cultural diversity. It is to much to go into here but to sum it up, banks rule the process and everyone has dance to the tune the Banks play. I found that this new CFPB is the final remaining thing I can do to try and save my home. My interest rate has been 8.99 % since XX/XX/XXXX and even though I have requested relief over the years from this inflated interest rate nothing has been done to provide a fair interest rate at a time when interest rates are a historic low. I lost a lot during the economic downturn, my ex wife died, I became a single parent. I had a XXXX XX/XX/XXXX. I got a on call job at XXXX as XXXX. I am trying to keep my XXXX going which I have had for 15 years. I have worked throughout the world XXXX in the field of XXXX. I am requesting assistance in remaining in my home. I am a XXXX year old XXXX man and it was difficult getting to this point. But here I am with a XXXX year old daughter and dog, and we are able to make it in XXXX after 25 years here I have support system. If I can get a fair loan modification with a fixed Interest rate I should be able to avoid foreclosure. I have tried to submit requested documentation via XXXX as told to and I keep getting the same documentation over and over requesting something I had submitted before. I think it is not a good process how they can just deceptively correpond and drag out my time before foreclosure sale date. I am requesting assistance from the CFPB. They are requesting what a tax request form, a social security award letter my taxes all have been sent in addition to the application for HAMPP modification with all supporting documentation regarding paystubs, bank statements, hardship letter, rental agreements. I am at the end of the line here. I am happy I found this new office of CFPB.
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 and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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 on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Hello CFPB Team, I am writing to report what I consider to be insufficient credit card investigation from Bank of America. On XXXX XXXX my credit card was charged for three different transactions at XXXX XXXX in XXXX, New JerseyXXXX XXXX, New Jersey, and XXXX, New Jersey for {$210.00} each. I am a resident of XXXX, XXXX XXXX I do not have a vehicle. And I was in XXXX, XXXX ( I have documentation supporting this ) on XX/XX/XXXX - XXXX. I was not the individual who made these transactions. I reported the fraudulent purchases to Bank of America only to received a response that they determined that the purchases were authorized. I have been attempting to appeal this decision for several months, and Ive found their appeal process confusing and dishonest. I would appreciate any guidance as to next steps I should pursue. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I kindly request that you block and delete the listed accounts and inquiries from my credit report IMMEDIATELY. Pursuant to Section 605C of the FCRA.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed chargeback disputes on Paxful both using the chat bot to submit tickets and on each one of the trades we did. The last time I filed a chargeback dispute was over a month ago and it's still pending. This person needs to be banned immediately. Paxful is clearly awful at responding to chargeback notices in a timely manner which is extremely important in the effort of getting the stolen funds returned from the buyer who initiated a fraudulent chargeback. The way Paxful attempts to get your funds back after they have looked at your proof submitted for the chargeback dispute is only by taking the funds from the other persons account if they even have any in the account they're using to trade with. So, immediately when submitting a chargeback dispute it's a race against the clock to hopefully catch them before they go offline forever and make a new account or hack someone elses. Over a month???? The scammers continue to trade and scam others for a while after these chargeback disputes are filed because every single one of them know it'll take AGES for it to ever get resolved, and by that time they're already long-gone and have withdrawn any XXXX they had in that account. They make it too easy for scammers to operate on their platform. I'm negative XXXX XXXX dollars in my XXXX account right now and the only slight chance I have at maybe recovering some of the funds is if Paxful responds in a timely manner before the scammer moves onto a different account. This account had an insane history of successful trades and good reviews ( XXXX trades and only XXXX bad reviews ). I'm not new to being a vendor on Paxful. Anyone would've traded with this guy. I need Paxful to respond immediately or my funds are definitely going to be gone. 

Side Note : how the XXXX has Paxful not fixed this issue yet. There's a simple solution : IMPLEMENT BETTER/FASTER CUSTOMER SUPPORT OPTIONS. THE SCAMMERS WOULDN'T BE DOING THIS IF THEY KNEW AN ISSUE COULD BE RESOLVED IN A MATTER OF MINUTES, WOULD THEY??? No, they wouldn't. There would be no coinlockers in open trades and this simple solution would make the entire platform better. They clearly don't care to listen to anyone 's complaints and their entire reddit feed is just filled with people telling story after story on how each one of them got scammed. The solution is simple, they are aware this has been an ongoing issue for years, they definitely know how to solve it, why haven't they done it? Because they don't care.
Product: Credit card

Call from PNC Bank Credit Cards demanding immediate payment of bill already paid. I refused and stated payment on XXXX XXXX, 2015. 
About XXXX XXXX a billing statement arrived with the same error and interest charges. I called to correct the error. The PNC person insisted I had not paid and should pay immediately. I refused to pay the same bill again and expressed my disgust with PNC. Afterward I realized the paid bill was not included in " Posted Transactions '' on my Personal Banking website. I wrote PNC and asked for the omission to be corrected. I have not heard back. 
On XXXX XXXX I tried to pay for dinner with my son and his wife but my card was refused. Very embarassing.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting XXXX XXXX Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

Wells Fargo overdraft fee. I started my account in 2009
Product: Debt collection

An XXXX  case was open and it was a voicemail from a representative of RNN group. The individual stated that they are looking to confirm employment for XXXX XXXX last 4 of SSN XXXX. This is NOT the last four of my social nor is it the correct spelling of my name. I will pursue legal action against this company for contacting my employer with someone else 's information attached. This is not a good look for me and could have jeopardized my employment. If the response is not the response I am looking for I will consult with an attorney.
Product: Mortgage

I have not received an answer to my Qualified Written Request that I sent to both Ocwen Mortgage, PHH and Litton Loans. Even though this complaint is for Litton  all of these companies have asked me to pay them for my second. 
I've asked all of them several times who is the secured party that they sought to receive payment for. I do not believe I owe anyone who has contacted me thus far, so I have answered no to have I missed a payment. 

I have attached my last QWR in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collections on my equifax credit report under the XXXX threshold. I tried disputing it with them. However they just validated the debt. Thats not my issues.beginning this year all medical under XXXX be removed from report. I cant get them to listen.
Product: Mortgage

Mortgage lender is ignoring request for re-appraisal of house to remove PMI. House values have significantly increased and re-appraisal would most likely cause for the removal of PMI due to the higher appraised value. Made our initial request on XX/XX/XXXX to order a new appraisal. The task to order a new appraisal is approximately 10 minutes ... nothing significant is required other than actually DOING IT!

The mortgage lender is intentionally prolonging / avoiding the request in hopes that house values may drop back down in order to avoid removing PMI.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CB/VICSCRT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section XXXX of the Missouri Revised Statutes. 

It has unequivocally come to my attention that XXXX  has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX identity theft statutes, particularly Section XXXX, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for CB/VICSCRT to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that CB/VICSCRT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under XXXX XXXX. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Prepaid card

Recently in XX/XX/2023, I became unemployed as a result of a mass layoff at my former employer. This resulted in me having to collect unemployment benefits while I seek new employment. The State of Arizona contracts with Way2Go Card/Conduent Corporation , which provides a barely functioning application/website that unemployment benefits are deposited onto. The application for the XXXX ( XXXX ) operating system is extremely glitchy, slow and unresponsive. I almost never used the app other than to transfer funds into my checking account, which worked just fine up until approximately three weeks ago. Out of nowhere, after the application redirected me to a confirmation page indicating that my transfer was successful, I noticed that the intended transfer never made it to my bank account. 

I was suspicious as to why, so I attempted to transfer again. The same exact event occurred where the funds were acknowledged to have been " transferred '', yet the transfer never took place and it was sent back to the prepaid card again. I called and spoke to a representative whom assured me that I could use any certain types of ATM machines listed on their online portal where I would not incur a surcharge. I visited the ATM in which the representative told me I could use free of charge ; this turned out to be not true, as the same ATM we discussed charged me a fee. Rather than drive all around town and try to find others, I simply accepted the fee and withdrew the funds. 

I called back later that day to speak to another agent and find out why I was being charged an ATM fee when I shouldn't have. That agent I spoke to advised me that their software application flagged my transfers as fraudulent, despite the transfers working like clockwork for the past XXXX months. Her thought process behind this ( as she was explaining it to me ) was that it " could be fraud even though its been going to my account the whole time ''. This is very illogical and I should have been notified either via the application that fraudulent activity was suspected, or someone should have attempted to contact me ; neither happened. 

Furthermore, that agent I spoke to advised me that " only some of the ATMs '' were free of charge, and that if I wanted to remove the block on my account ( that I was never properly notified about ), I would have to manually take pictures of personal information that had to match their requirements exactly. XXXX of these requirements happened to be a drivers license with my physical address matching ; which I can not provide. 

In summary, this is a very poorly designed application that is causing its unemployed users to incur unnecessary fees. In addition to this, they are a predatory organization that is not fit to serve the needs of the public. The state government needs to end its contract with this company ; it is unbelievable that they were able to enter into a partnership when they can not even provide basic transactional support.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Bankruptcy Reporting Due to Non-Reporting by XXXX XXXX Bankruptcy Court To Whom It May Concern, I am writing to formally dispute the bankruptcy information reported on my credit file. According to my records, a bankruptcy case from the XXXX XXXXXXXX Bankruptcy Court is currently listed on my credit report under the account associated with **Case Number XXXX. However, I have confirmed that the XXXX  XXXX Bankruptcy Court does not report to the credit bureaus, meaning the information appearing on my report was not provided by the court itself.

Under the **Fair Credit Reporting Act ( FCRA ) ** and **federal law**, all information on a consumer 's credit report must be **accurate, verifiable, and reported by an authorized entity**. Since the XXXX XXXX Bankruptcy Court does not report bankruptcies to the credit bureaus, the inclusion of this information on my report is **unverifiable and must be removed immediately**.

Additionally, I am invoking my rights under the following federal statutes : - **15 U.S.C. 6802** - Prohibits unauthorized disclosure of financial information.

- **15 U.S.C. 1681e** - Requires consumer reporting agencies to ensure the maximum possible accuracy of information.

- **15 U.S.C. 1681b** - Limits who may access a consumer report and for what purpose.

- **15 U.S.C. 1681q** - Prohibits obtaining consumer information under false pretenses.

- **15 U.S.C. 1681c-2** - Grants consumers the right to block fraudulent information from appearing on their credit reports.

- **18 U.S.C . 1028A** - Criminalizes identity theft and the misuse of personal information.

Because this bankruptcy information was not reported by the court and is therefore **unverifiable**, its presence on my credit report constitutes a **violation of my rights under the above statutes**. If this information is not removed, I will have no choice but to escalate this matter by filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other relevant authorities.

I request that this bankruptcy entry be deleted from my credit file **immediately**, as required by law, and that I receive a written confirmation of its removal.

Please conduct an immediate investigation and provide written confirmation of the results. I have enclosed a copy of my **identification** and a copy of my **credit report with the inaccurate information highlighted** to assist in your review.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe of **30 days** from the receipt of this letter.

Sincerely, XXXX XXXX
Product: Checking or savings account

The Bank of America Mobile App allows user to receive bills and pay them through the mobile app. In my case, Bank of America receives bills from XXXXXXXX XXXX Consumer Credit Card. When accessing the bill pay function from the mobile app and pulling up the " Unpaid Bill '' for XXXX XXXX Consumer Credit Card, the app displays the bill amount as  {$25.00}. A normal and reasonable user, would assume {$25.00} is total amount owed under the bill. In fact, this is untrue. Bank of America is systematically causing confusion by displaying the  minimum payment, in lieu of the total due. This has resulted in me paying fees and interest I otherwise would not have paid. 

Furthermore, regarding the use of the app in the bill payment screen, a typical user would assume the " Amount '' box should be tapped if you want to change the amount being paid. In fact, bank of america has hidden the true amount of the bill behind this veil. I only discovered this after searching the internet on why I was only seeing the minimum payment. 

Bank of America should default the amount in the mobile app, bill pay " amount '' box to the total amount owed, not the minimum payment. This will prevent consumers from accidentally carrying a balance. Bank of America should reimburse interested and fees to me in the amount of {$2.00}, as well as any future interest not yet posted by XXXX XXXX Consumer Credit Card.
Product: Debt collection

Cease-and-Desist I am requesting a cease-and-desist order against Medicredit, Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and for failing to properly address the issues raised in my recent complaint. Despite my specific and separate requests in a new complaint, they continue to improperly mark it as a duplicate of my previous complaint. 

Medicredit , Inc. has failed to provide the following required information : Documentation proving authorization to collect the debt. 
A copy of any agreement or contract between the original creditor and me authorizing the debt. 
Details of interest or fees added. 
Verification that the statute of limitations on the debt has not expired.

Documentation proving a legal obligation to pay.

A detailed chain of custody for the debt, including dates and parties involved in the transfer. 
A copy of the purchase agreement or contract demonstrating lawful acquisition of the debt. 
Any signed contract bearing my signature evidencing my obligation to pay. 
Proof of when the original creditor sent me the bill, along with tracking records. 
A complete breakdown of the debt with all details provided without omissions. 
They have violated FDCPA by continuing collection activities without providing proper debt validation and by mishandling my complaints. I respectfully request the CFPB to enforce a cease-and-desist order against Medicredit, Inc. until they comply with all validation requirements and FDCPA obligations. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Debt collection

XXXXXXXX XXXX  sent out money from my account,. un athorised. - not with my consent., over drafted my account and sent it to collection to the Best Service Co.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of XXXX of the credit reporting act. i've submitted my ID Theft weeks ago and they have not blocked the items on my credit report