23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX 2007 I applied for a personal loan at my bank Bank of America here in XXXX XXXX, Fl, the load was for a XXXX XXXX XXXX that was for sale at a very good price. So I needed to move on the sale, XXXX XXXX XXXX was the XXXX and man who handled the loan! On XXXX XXXX XXXX XXXX called me to come over the bank to sign for the loan, when I got there he told me for some reason the bank had made it a secured loan with my house ( which was paid for ) as security. ( my home is valued at about XXXX ) I did n't like the idea, but thinking XXXX XXXX was a friend and I had been doing business for years with him I accepted it, mostly because he told me I could pay ahead and have it paid off in a short time ( the loan was for 15 thousand dollars and it was for 25 years ) I have been paying, and doubleing up payments and sometimes more, I noticed that the balance did n't seem to be going down even though my agreement with XXXX XXXX was that any payment over the base amount would go toward principal! 
Upon checking I found that the bank had not been doing as they agreed and between XXXX XXXX, 2007 till now I have paid {$9600.00} in intrest and if I continue to pay as they want I would be paying over 100 % intrest on this loan. I would thing that this loan, was called a simple intrest loan, is named that because a person has to be simple to accept XXXX, in fact when I complaind to the bank the woman laughed and said they do n't give these loans anymore! I woulf like for Bank of America to go back and figure what I ouw then if they would have followed the original agreement I had with the loan maker XXXX XXXX XXXX Bank Manager and loan maker!
Product: Mortgage

I am assuming an existing mortgage due to divorce. Essentially, I just need to remove my ex-husbands name from the mortgage. This should be extremely simple given that I have excellent credit and more than enough income to pay the loan. I began this process in XX/XX/year> and it is still not complete. The people handling the process have been completely incompetent. It has taken months and months. They were not able to provide an accurate estimate of the cost. I had to incur attorney fees to explain Pennsylvania law to their underwriters and legal counsel because they are not familiar with the state. I have asked numerous times for my situation to be escalated and I have never received a response from anyone other than the low-level processor, who keeps telling me that everyone in their department is new. I have obtained or refinanced multiple mortgages in life and I have never experienced anything like this. It is completely unacceptable. I want a clear explanation of the costs and reasons for them, and I want PNC to waive their processing fees to compensate me for my frustration and attorney fees.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are reporting information that I have not given them permission to.

According to 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization and I did not and will not give any creditor or credit reporting company the right to add negative information to my consumer report. 
I AM NOT ASKING ABOUT THE VERIFICATION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ASKING XXXX, TRANSUNION, AND XXXX TO PROVIDE DOCUMENTATION THAT I HAVE GIVEN MY WRITTEN PERMISSION TO REPORT NEGATIVE ITEMS ABOUT MYSELF. 
According to law, if you can not provide this, you must cease and desist immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Credit card or prepaid card

I would like to file the complaint as the way XXXX XXXX has worked on the dispute. 

Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor. 

I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated. 

I approached the merchant stating the same thing and they mentioned to me that they are investigating. 
After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario. 

But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Ftc sec 609 credit agencies are not validating my credit account they are simply verifying my information
Product: Debt collection

On XX/XX/XXXX, I spoke with XXXX XXXX  about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later thanXX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX  who said she was representing gatestone at XXXX  telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from gatestone called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX  who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with XXXX XXXX regarding the payment plan to which he told me that was past the due date. Additionally, I requested that gatestone no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.
Product: Mortgage

I have been a customer of Madison Mortgage for several months, but I am encountering significant issues regarding the handling of my mortgage. Madison Mortgage recently sold my mortgage, and they notified me of the purchaser. However, when I contacted the new company, I was informed that they had already sold the mortgage to another entity. 

As of now, I have not received a mortgage statement since XX/XX/year>, leaving me uncertain about the current status of my account. Madison Mortgage appears to have violated several laws concerning the proper handling and transfer of my mortgage and has failed to address or compensate me for these violations.

Additionally, I submitted a formal cease-and-desist letter to Madison Mortgage, yet they have continued to contact me via email in direct disregard of my request. I have reached out to the company currently reported as owning the mortgage multiple times, but they continue to state that they no longer own it. 

This situation has created significant confusion and distress, and I am seeking resolution and accountability for these violations. I request immediate clarification on the status of my mortgage and a response addressing the legal violations committed during this process.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report the account as XXXX  XXXX Account # XXXX there are several late payments and inconsistency with the report. 


High Balance : {$340.00} {$340.00} - TransUnion XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccuracy of this item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the creditor and reporting agencies, it remains unresolved. 

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

Below are the following accounts with inaccurate information and attempts have been made to remedy the account standings : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After sending 2 complaints regarding BB & T/Truist account handling through the FDIC, regarding the improper financial management of my checking account along with the request of the return of overdraft fees and money 's owed due to fraudulent activity ; BB & T/Truist decided to retaliate against me again on XX/XX/2021 when finally crediting the {$0.00} and excessive fees ; by recalibrating my account debits/credits and assessing another {$36.00} overdraft hen the bank should have credited and refunded my account in time. I am asking for the retaliatory overdraft fee to be credited back to my account accordingly. Please see the attached picture documenting the financial institution 's retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX on my credit report since XX/XX/XXXX. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus 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. Under the FCRA section 605b, the Credit Reporting Agencies are required by law to remove any fraudulent accounts and information completely from my XXXX XXXX. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Please remove the following fraudulent items from my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Type : Auto Loan Responsibility Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. {$310.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance : {$17000.00} Highest Balance - Terms : 73 Months Payment History Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Repossession as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Contact Info Address XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Comment Current : Account previously in disputeinvestigation complete, reported by data furnisher Previous : None Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX Current/ Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days Specific details of the repossession in question : [ List specifics, such as the date it was reported, the creditor 's name, account number, and any other relevant details. ] 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a. Who did you speak to? b. On what date? c. How long was the conversation? d. What was their position? e. What telephone number did you call? 
sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancellation of Debt ) from the following charged off accounts listed below. EXETER FINANCE XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report it the account was sold to another lender. Please send the XXXX form
Product: Debt collection

Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear AXCSSFN/CNGO, I am writing to report an incident of unauthorized debt collection attempts made by AXCSSFN/CNGO. Despite the debt not being owed by me, AXCSSFN/CNGO persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ).

The incident occurred over the past [ time period ], during which AXCSSFN/CNGO repeatedly contacted me, claiming that I owed a debt to AXCSSFN/CNGO. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, AXCSSFN/CNGO continued their collection attempts. 

Furthermore, AXCSSFN/CNGO repeatedly contacted XXXX, XXXX, and XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ).

Numerous attempts were made to communicate with [ Debt Collection Agency Name ] to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer.

As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation.

I urge you to take appropriate action against [ Debt Collection Agency Name ] to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX