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

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I received an alert for a new credit inquiry from Bank of America. I immediately called Bank of America to inquire about the credit pull since I had not personally requested or applied for any new line of credit from Bank of America. After thirty minutes on and off several phone calls, once having been hung up on after being placed on hold, I was given a direct phone number to the Bank of America credit department. On XX/XX/2022, I reached out to the Bank of America credit department, who confirmed, indeed, there was a credit pulled on XX/XX/2022 for a XXXX XXXX XXXX. An investigation into a fraudulent application was initiated per Bank of America. I strongly believe that, instead of a fraudulent application, Bank of America illegally proceeded to pull my credit without my consent. On XX/XX/2022, Bank of America asked me to update my income on signing into my online account. I strongly believe they proceeded to run my credit without my consent based on my updated income. This inquiry into my credit is increasingly troubling for me at a time with rising interest rates and with me locked into a fixed XXXX ARM. I intend to proceed with any legal means if my credit score decreases secondary to this inquiry that I did not initiate. I strongly believe this as a result of UNFAIR PREDATORY LENDING PRACTICE by the institution. I have never experienced this problem with Bank of America in all of my seventeen years of relationship. Moreover, I have not used my Bank of America credit card in over one year, so there was no need to provide another credit. I am counting on your institution to hold Bank of America accountable for this illegal practice that has significant financial and emotional stress to consumers. No consumer should have to endure this greedy practice from any bank let alone a giant institution like Bank of America. Looking forward to an investigation into this practice and ultimate substantial consequence for their lending practice. I truly appreciate your work and look forward to hearing from your department.
Product: Debt collection

Medical provider is charging for an additional office visit for my annual preventative visit in XX/XX/XXXX. No other services were rendered in addition to establishing a doctor/patient relationship and conducting a preventative annual visit. I disputed this in writing in XXXX and they fail and refuse to validate the additional charge. I filed a XXXX Complaint but they still did not validate and XXXX said they have to close complaints within 30 days. I filed a complaint with the Ohio AGs office and they closed the complaint and said that the company did not want to resolve the matter. I disputed it several times in writing to the original creditor. They turned this over to collections. On XX/XX/XXXX I sent all of the documents to the collection agency that I sent to the original creditor again disputing the debt. The collection again has failed to validate this debt and has called me 4 times ( daily ) without validating this debt. This is a clear violation of FDCPA. I sent a copy of my XX/XX/XXXX dispute to the Collection Agency again disputing this debt.
Product: Credit card or prepaid card

on XX/XX/2020 I purchase an airline ticket for my daughter to travel from XXXX to California. The trip was cancelled on XX/XX/XXXX by the airline and my daughter was not able to flight back to America. 
I contacted multiple times XXXX to get my refund with not success. for that reason on XX/XX/2020 I open a dispute with Citi bank. and now Citi bank says that the merchant offer me a voucher. I want you to know that as of today XXXX said to me that they are waiting for XXXX to answer to issue a refund. 
Citi close my case and side with XXXX. 
I received two days ago an email from XXXX saying that they are waiting for XXXX   to issue the request. 
The issue here is that XXXX refuse to issue the refund and Citi bank side with them. 
My Dispute number with Citi is : XXXX
Product: Debt collection

Lady calls XXXX or XXXX per week for the past months asking me to pay something I do n't owe. I have told her around XXXX times to stop calling but she keeps calling. She has shouted, told me I am going to get in trouble and all sorts of threats. Terrible, terrible!
Product: Credit reporting or other personal consumer reports

I am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.
Product: Debt collection

The Collection Company that is trying to collect right now is called Stafford Group & Associates. It seems that the original company was called XXXX XXXX XXXX, whom I have never heard of and the company is no longer in operations. My credit report says that the account was opened XX/XX/XXXX. From what I understand by research XXXX XXXX XXXX is an independent financial services firm helping people to manage and grow long term wealth??? I purchased my current home in XX/XX/XXXX, I would have never looked for a company of this sort, nor did I need them. It seems as though XXXX XXXX XXXX sold a bunch of fraudulent accounts to the Stafford Group and Associates and the have been trying to collect on these accounts and these accounts are showing up on certain Credit Bureau Report and affecting consumers who have no idea what these accounts are about. There are multiple complaints with the XXXX XXXX XXXX that are very similar to mine. Most of them are complaints by consumers stating they have never heard of this company ( XXXX XXXX XXXX XXXX and it just showed up on their credit report by a company called Stafford Group and Associates, who you can not contact. I believe this is one of the phone numbers, XXXX. I believe the address shows up as XXXX XXXX XXXX, XXXX Ca., XXXX. XXXX is telling me to contact them to ask for documents and you can not reach anyone and XXXX is just taking their word that these are legitimate accounts because I disputed on my XXXX Credit Report and they say it came back as legitimate. This is not on any other report except XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MS Services is reportinga fraudulent account on my credit. This account doesnt belong to me. I am requesting the removal of this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax in XX/XX/XXXX about collections on my file. My disputes where supposed to be complete in XX/XX/XXXX. I contacted Equifax at the end of XX/XX/XXXX and was told by four different representatives that the companies did not respond so everything would be removed. I called back the next day an was told they responded and were all verified. An, that by law they have forty five days to respond. I know that is not true. I asked how and when because it was well pass thirty days. An, was told the day before they would be removed because of no response. I asked what kind of validation did they send validating the accounts were mine. I was told they use XXXX XXXX to validate accounts. I contacted XXXX XXXX an was told that's not true. I redistribute again they said they were validated. I disputed them again XX/XX/XXXX for the third or fourth time. I called to check on a fax I sent to them an asked about my disputes and was told i have none because they weren't done right. So, they are sitting there closed. So, XX/XX/XXXX I redisputed them again. I keep getting different stories everytime I call. I've been a victim of fraud before so this is unsettling.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Equal Credit Opportunity Act ( ECOA ). These inaccuracies have caused significant financial harm to me, as well as unnecessary emotional distress. 

Firstly, my correct name is XXXX XXXX, but the credit bureaus are reporting it as XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

Secondly, the credit bureaus are reporting multiple inaccurate addresses that do not reflect my current address, including XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XX/XX/2022 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/2022 ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose all addresses that have been reported by furnishers of information within the past two years, but they must also identify the current address of the consumer based on information that is available to them. 

Furthermore, the credit bureaus are reporting incorrect employment information, listing my employer as XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX, CA, and XXXX XXXX XXXX. This violates Section 1681e ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer reports. 

These inaccuracies have caused significant financial harm to me, as well as emotional distress. They have led to me being denied credit and higher interest rates, making it difficult to secure a loan for a new car, rent an apartment, and obtain credit cards with reasonable terms. 

Therefore, I request that the creditor remove these unverified accounts from my credit report and take appropriate actions to ensure that my credit report is accurate. I also request that you enforce the laws that have been violated, including the FCRA, FACTA, and ECOA, to prevent this from happening to me or anyone else in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been suffering since XX/XX/XXXX as Bank of America employee due to lack of proper communication updated.my information on to XXXX XXXX. 
I had just newly moved to the United States and wanted to open a checking account for employment payment purposes. 
Since then several times I have tried to contact Bank of America both local and Headquarters to get this resolved but had no success. I filed a complaint with consumer finance during XXXX and immediately I received a callback from Fraud Prevention Team of Bank of America who apologized to me for the error and assured me that the information had been cleared and going forward this would not be an obstacle for me to get a checking account opened. 
Apparently no action after that phone all has been taken as still I am unable to open a checking account. 
I have a account which is a online checking service which I use for my payroll. 
I am flight attendant with XXXX XXXX and this is causing me a lott of stress and embarrassment. 
I seek your assistance. 

My Name : XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX
Product: Mortgage

RESPA Violations - First American Title Insurance Company is my title insurance company that I opted to take out a policy to have them defend me against any mortgage defects. Instead they went against me. The entire mortgage is not mine, forgeries admitted, title company owner prosecuted and went to jail for the same crime I 'm dealing with and 5 different settlements sheets submitted into court records and none of them match the Good Faith Estimate submitted by the alleged lender. Nothing matches including the escrow- their documents state there is an escrow, but I paid my own taxes and insurance. My name was forged on someone 's loan and 5 different settlements sheets have been presented with different sales amount, different signatures, different way of writing the date and nothing matches.The deed was notarized one year after the alleged settlement.
First American wants to cover up and hide the RESPA Violations and Defective Mortgage. The court case was civil and did not involve RESPA or Escrow.
Product: Student loan

I have 2 private student loans totaling {$100000.00}. These loans have been in deferment from XX/XX/XXXX to XX/XX/XXXX. During the deferment period, no interest is supposed to accrue, therefore no interest should start accruing until XX/XX/XXXX. This is stated in the loans ' Master Promissory Notes as well as specified verbatim in the loan servicer 's ( University Accounting Service , LLC ) deferment confirmation letters. However, interest has been accruing on a daily basis. When I call, they will acknowledge the mistake and remove the interest only for interest to continue accruing on the next day. Interest continues to accrue on a daily basis necessitating me to call multiple time for them to fix the issue. The issue has not been fixed. Interest on these 2 loans continues to accrue while in deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, has Violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not Furnish an account Without my written Instructions.
Product: Credit card or prepaid card

I open account with Capital One I made a payment never was I told or on their website does it show that they're going to keep my money for 6 days I didn't receive an email stating they will be taking my money I didn't receive notice that when I paid my money they were going to keep it for 6 days 6 days is too much for me not to have {$2800.00} it shouldn't be but one or two business days along with the email stating me they were holding my funds
Product: Checking or savings account

I opened checkings account with citibank 2 months ago, deposited almost XXXX thousands dollars! Few days later I tried to transfer {$500.00} from my citi bank to XXXX XXXX They kept on suspending my account! Called the technical support guys and they told me everything was fine and I could go ahead and transfer the money. After few tries they just closed my account for fraudulent activity, I had almost {$4700.00} dollars on the account! Been calling them for past 2 months they keep on ignoring me or hang up the phone on my face plus I ordered account statements they did not send anything except for a letter saying your photo copy request and. Reference no.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed a total of XXXX inquiries on my Equifax consumer report and in less than XXXX hours, Equifax " reinvestigated '' and found all the inquires " factual '' I demand to see all documents obtained in the " reinvestigation '' that validated these inquiries that did NOT result of any credit extension or new open accounts. In pursuant to [ 15 USC 1681i ( a ) ( a ) ] the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Confirmation # XXXX that is confirmation numbered I received from Equifax following " reinvestigation ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my XXXX report and another account I don't recognize that don't belong to me, I have written and called XXXX to remove this and no luck. Please help.
Product: Debt collection

I contacted XXXX XXXX XXXX who informed me the debt was not theirs but XXXX. I informed them that I had paid on time prior to me sending back the product. Two years later this shows on my credit report. There is currently an open case with XXXX XXXX to find the product I sent back two years ago. I reached out to Amerassist to verify the debt but the line just rang.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on  XXXX / XXXX /   17  referencing confirmation #  XXXX  in regards to an item in dispute they stated was verified as being mine, however they failed to give me a description of how the reinvestigation was conduct ed ( wh ich they say they will do on the result documents ) I spoke with  XXXX  in the Office of Consumer Affairs and he could not give me a description of how the item was verified as being mine or how the reinvestigation was conducted. I also wrote a letter to the company asking for this information twice and both times I received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I sent a cashiers check to Bank of the West via XXXX  XXXX ( tracking # XXXX ) to payoff my boat loan. The check was received and signed for at XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, my payoff still has not been applied to my loan. I have called the bank numerous times and was told the payment was reversed, but they dont know why. On XX/XX/XXXX, I was told that the representative entered a research request that has a 5 business day turnaround. I asked to speak with a manager who told me that he was escalating my issue and a representative would reach out to me in 24 to 48 hours, but no one has reached out to me and it is beyond 48 hours. 

I contacted XXXX XXXX ( the issuer of the cashiers check ) and confirmed that the check has not been presented for payment. Once again, I contacted Bank of the West to try to find my check and I was told that the representative thinks the check is being returned to me because the amount of the check exceeded the payoff. I can not get anyone to tell me the status of the check. 

I sold my boat and this cashiers check was purchased by the buyer of the boat. He is in possession of my boat, but is unable to register it because of this issue. I can not get these people to do anything to help me get this resolved. Furthermore, each time I call, I wait on hold for a minimum of 30 minutes to speak with someone. I am fed up.
Product: Credit reporting or other personal consumer reports

This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$45.00}
Product: Credit card or prepaid card

Equitable acceptance increased my apr from XXXX to XXXX and they have notified me of this change.
Product: Mortgage

I arranged a mortgage loan funded thru Angel Oak Mortgage Solutions LLC., which closed XX/XX/2018. A flood insurance policy was required to close. I obtained an agent for that and Angel Oak 'Net funded ' the loan so that they were to pay the premium due of {$550.00}. 

Angel Aok did NOT fund the policy ; quickly sold or transfered the loan and the subsequent company made me pay for the insurance a second time. 

The borker who aranged the loan ( XXXX XXXX ) at XXXX XXXX XXXX tried to help me to get them to fix this but after talking to numerous people, some of whose names are on the forms being uploaded, i have still not received back the XXXX. 

Angel Aok apparently kept my money. Simple as that. Now they won't give it back after numerous poilte efforts to obtain that. 

I am attaching a sheet showing the Net Funding ; the Closing Disclosure and a letter demanding the payment from the company Angel Oak tranfsered/sold the loan to.